What Credit Score is Needed to Finance a Car?

Car keys and calculator

Your credit score does play a role in whether you can finance a car. But, drivers are left to wonder what credit score is needed to finance a car? Wonder no more. At SJ Denham Chrysler Jeep FIAT, we do not want to leave you in the dark. We want you to feel empowered. Here is what you need to know about your credit score to finance a car.

Average Credit Score to Finance a Car

The average credit score to finance a car is 600. The higher the credit score, the lower the interest rate. However, a lower credit score does not mean you cannot finance a car. There are plenty of car financing options available. Here is a quick breakdown of car financing categories for different credit scores:

  • Superprime: 781 to 850
  • Prime: 661 to 780
  • Nonprime: 601 to 660
  • Subprime: 501 to 600
  • Deep Subprime: 300 to 500

How to Get Car Financing With Bad Credit

Don’t fret if you have bad credit or no credit, Chico, drivers. There are alternative car financing options available to you. An example is guaranteed car finance, a loan based on your income. Here are some facts you should know when applying to finance a car.

Can You Finance A Car Without A License?

Yes, Anderson, you can finance a car without a license. You will need a valid state identification card. No permit means the title of the vehicle can only be in your name. This means you can apply for a car loan. Your credit score and financial status are still applicable. In-house car financing may differ. Learn more about in-house car financing options.

What Papers Do I Need To Finance A Car?

You will need to supply papers when you apply for a car loan. Depending on your credit score and financial status, you will need to show the following:

  • Recent Pay Stubs
  • Proof of Address
  • Work Address
  • Insurance Documents
  • Show Collateral (i.e., Home Ownership)

You Likely Have the Credit Score Needed to Finance a Car at SJ Denham Chrysler Jeep FIAT

Whether you have good credit, bad credit, or no credit, Chico drivers, you have options. At SJ Denham Chrysler Jeep FIAT, we want to help find the car financing that best fits your circumstance. Contact us if you have questions about your credit score and car financing. Apply to finance a car or check out other car tips. We want you to be a confident driver!

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772 North Market Street • Redding, CA 96003

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SJ Denham Chrysler Jeep FIAT 40.5960715, -122.3881604.
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