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Used Cars » What's My Credit Score?

You Really Should Know Your Credit Score


It is true that most lenders consider several different factors on your credit application when determining what your interest rate will be. They will look at how long you have been at your current job, your disposable income, and whether you are a home-owner, a renter or are living with family members. However, the most important factor in determining car loan interest rates is your credit score.

If your goal is to obtain a new or used car with as low a payment as possible, we recommend that you know your credit score before completing our online application.

Credit Reports without Scores


Americans are entitled to view a copy of their credit report, at no charge and on an annual basis, from each of the three primary reporting agencies, TransUnion, Equifax and Experian. Consumers who have not done so this year can visit to obtain complimentary copies of their credit reports without scores.

Doing this is useful to ensure that your reports are accurate. According to CBS News, up to 80% of credit reports have errors on them. If a credit report contains errors, it may prevent lenders from approving auto loans at the best interest rates. If you suspect errors on your credit reports are holding you back from your best interest rate, we recommend you get help cleaning up your report from a reputable company.

Credit Report with Scores


There are several places where individuals can purchase credit reports with scores. The typical cost for this is a one-time fee of up to $39.95. There are also several online services that will provide credit reports with scores for free when you sign up for a one month free trial of a credit monitoring service. Nearly 100% of these websites require your credit card information before you can view your credit scores and engage in their free trial. If you sign up online for a credit monitoring service just to view all three of your credit scores for free, the obligation is yours to cancel the service prior to the beginning of the next billing cycle.

If You Know Your Credit Score

Select the score that is closest to yours from below to view used cars and payment options.

If your credit score is less than 625, we recommend that you apply for financing before shopping online for a used car. When people apply before they buy, they lock in low rates for 30 days.