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3 min read . Published February 10, 2023
Written by Allison Martin Written by

Allison Martin's work began over 10 years ago as a digital content strategist, and she's since published in numerous prestigious financial outlets such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain the confidence to take control of their finances by providing concise, well-researched, and clear data that puts complex topics into manageable bites.

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You want to get a good deal on a car loan but you're worried that it could be challenging due to your credit score. On average, borrowers with good credit scores will receive the most favorable rates. For instance, according to research, those with a score of 300 to 500 have the average rate of 19.81 percent APR for the purchase of a used car. On the other hand, those with a score of 661 to 780 are charged 5.47 percent. If you can hold the purchase, you can implement strategies to build credit before buying a car. Be aware of the fact that you will be assessed by the lender will likely determine your ability to repay the loan by computing your debt-to-income ratio. You should consider paying off any existing debt to reduce your DTI ratio in addition to other methods to improve your score on credit. Four ways to improve your credit prior to purchasing a car Your credit rating is a major factor in the for the approval of a car loan. This is why you must make sure your credit is in top shape before you apply start by following these practical tips. 1. Correct any mistakes in your credit reports Start by . Review the contents for accuracy , and then highlight any mistakes you find that could drag your score down. For instance, maybe your report says you didn't make a payment when you actually paid the amount in time. The next step is to file a dispute by telephone, mail or online with the three major credit bureaus including Experian, TransUnion or Equifax -- reporting the inaccurate data. The credit reporting agency will then contact either the lender or creditor lender to investigate further your complaint. If the information contained in your report isn't verifiable the report will be deleted and your credit score could improve. 2. Make sure you pay your bills on time Payment history makes up about 35 per cent of FICO credit score. In the event that your credit card loan account reaches 30 or more days past due, a lender or creditor will likely declare the account delinquent, which means your credit rating may suffer a drop. But if you make timely payments on your credit account your score will improve in the course of time. It's also important to bring any past-due accounts up to date in order to prevent collection activity and damage on your score. 3. Reduce your credit card balances Your credit card balances will be reduced. FICO credit-scoring model favors people who manage their obligations to repay their debts. Therefore the amount that you have to pay is the second largest element of your credit score. The percentage of the credit line you're currently using, is the second largest part of your credit score. The lenders want to have your credit utilization less than 30 percent. If it's greater, try to pay down your balances to possibly increase your credit score. This will allow you to qualify for a competitive car loan. 4. Do not apply for new credit Every time you apply for credit, an inquiry is made and can drop the credit score of several points. While the impact may be only temporary, multiple inquiries over a short period could hurt your score. Unfortunately, a slight drop in your credit score can be accompanied by a higher interest rate -which could cost you several hundred or thousands of dollars more. Aim to keep shopping within 2 weeks. How credit scores work Understanding it will help you efficiently improve your score. History of payments: forming 35 % of the score which includes your information on payments in the form of delinquencies, late payments and the number of accounts. Credit utilization ratio: 30 percent. This measures the amount you owe against your limit on credit. Credit history length: 15 percent. Typically, the more time you've had credit, the better. New credit 10. Credit bureaus evaluate the number of accounts you've recently opened. Opening too many new accounts could affect your credit score. Credit mix 10 percent. A variety of credit such as card, loans as well as retail credit accounts will work to your advantage here. Why your credit score matters when you're looking to buy a car Lenders utilize your credit score to gauge your creditworthiness and the possibility that you'll default on your loan payments. You are less risky to the lender when you have excellent or excellent credit. This means that you typically will be awarded a lower . With a lower interest rate the monthly payments will be lower, as well as your loan will be less expensive overall. In contrast, interest rates are usually more expensive. Cars with bad credit loan alternatives If you're looking for an auto loan, there are . For instance, buy-here and pay-here dealerships cater to borrowers who have credit issues however they often charge high interest rates and should only be used as an option last resort. You should consider contacting your credit union or bank to see whether they'll approve you for a loan depending on the quality of your current relationship. Online lenders may be an ideal fit as they often have an application for prequalification on their website so you can see if you are eligible and compare loan rates. The bottom line is a strong credit score, a steady source of income, and an income ratio that is low could make you eligible for a great deal for an automobile loan. It's therefore worth improving your credit score prior to submitting an application. If you're ready apply, you should to find the best options that fit your budget. Related Articles:

Written by

Allison Martin's career began more than 10 years ago as a digital content strategist. She's been published in several leading financial outlets such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to control their finances with concise, well-studied and well-researched content that break down complicated topics into digestible chunks.

Auto loans editor

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