What credit score do I need for a car loan?
There is no fixed minimum. A higher score helps, but some lenders approve car finance for low scores and poor credit histories.
There is no single credit score you must have. Different lenders set different requirements, and some specialise in helping people with low scores or a patchy history.
A higher credit score makes approval easier and can get you a better rate, because it signals lower risk. A lower score does not mean an automatic no, it just narrows which lenders will say yes and may mean a higher rate.
Lenders also look beyond the number. Your current income, how stable things are now, and whether the repayments are affordable all count. You can check your score for free with Centrix, Equifax or illion before you apply.
Whatever your score, we match you with the lenders most likely to approve you. We cannot guarantee approval, but we will find the best fit. See bad credit car finance or get your fair rate.
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One application, one soft credit check, no obligation. We match you to the lender most likely to give you a fair go.