What Is The Lowest Credit Score To Buy A Car May 2026

Access to the lowest APRs (often below 7%) and best terms.

There is required to buy a car. While lenders typically prefer a score of 661 or higher for "prime" rates, specialized lenders and "buy here, pay here" dealerships frequently approve borrowers with scores as low as 450 to 500 . Credit Score Ranges and Loan Impact what is the lowest credit score to buy a car

Your score determines your "tier," which dictates your interest rate and monthly payment. Access to the lowest APRs (often below 7%) and best terms