There is required to buy a car, as lenders set their own criteria. However, most traditional lenders prefer to see at least 6 to 12 months of established credit history to offer competitive rates.
According to Experian data from late 2025, the average credit scores for those who successfully financed a vehicle were: 753. Used Car Loan: 689. how much credit history is needed to buy a car
While you can technically finance a car with zero credit history, it often requires additional steps or leads to significantly higher costs. There is required to buy a car, as