It's hard to say what the minimum credit score you can have to get a car loan is because every lender decides on their criteria on their own, but we can look at some general things and make a scale to see what your borrowing experience will be like.

The first thing to understand is that the better your score, the lower your interest rate is. People in worse financial situations are offered higher interest rates because the lender is taking a bigger risk in lending to you at all.

People with scores over 680 will have a very easy time getting auto financing and in most cases will be in a lenders top interest rate range. This is considered a great score and in most things no door will be closed to you.

Those falling between 650 and 680 are still going to have an easy time finding financing, but will probably not be in the absolute best interest rate range. You still aren't bad off though, this is definitely still a happy place to be (although if you're going for a mortgage or a very big car loan, you might want to work to bring it up a bit and save yourself some money).

Between 600 and 650 you can still get financing, but you might as well do the work to bring it up a bit and save some yourself some money. Your interest rate will not be as pretty as it could be.

For those between 500 and 600, you aren't in the best situation. The farther down in this range you are, the worse off you are. While the higher ones will probably still have an easy time finding acceptance, your rates will be high and you will be spending a lot of money in interest rates and fees. Those down towards the bottom are going to be having a hard time finding lenders who will accept them at all--and while you can always find SOMETHING, you will be spending a lot more in interest than your car is really worth. You should look into whether it's really essential you get a new vehicle right now and work on saving some money and improving your credit situation.

Those below 500 really shouldn't be looking for financing at all. There are lenders out there who will do a guaranteed deal, but the rates will be appalling and it will take you a very long time to get out from under that car loan.

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