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Why Get Pre-Approved?
A smart car shopper will ALWAYS acquire Auto Financing beforehand and not rely on the Car Dealership to offer financing that benefits them, more than it benefits you.
If you don't already have auto financing before you go to the Car Dealership, you'll be sitting there for hours while they try to find auto financing for you.
Want to speed up the car buying process? It's actually quite easy to do. You can be Pre-Approved for a New Car or Used Car Loan in Minutes!
Your Credit is Your Car Buying Power
That being said: it is a great idea to check your own credit prior to even shopping for a car. You need to know your car buying power. You can get one (1) free copy of your Credit Report once a year and if you see something on it that is hurting you, please take steps to have it removed.
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
On the FICO® Score☉ 8 scale of 300 to 850, one of the credit scores lenders most frequently use, a bad credit score is one below 670. More specifically, a score between 580 and 669 is considered fair, and one between 300 and 579 is poor.
No credit means you don't have any credit record. If you have no credit, it means creditors don't have a good way to predict how likely you are to pay your bills as agreed. It's not the same as bad credit, you have credit with major blemishes.
We've helped over 1,326,987 drivers get the best rates on a car loan regardless of credit history.
Our secure Car Loan Pre-Approval Request takes just 1 minute to complete.