What’s the minimum credit score to buy a car?

Key takeaways There is no minimum credit score required to buy a car, but most lenders have minimum requirements for financing. Most borrowers need a FICO score of at least 661 to get a competitive rate on an auto loan. If you have a low credit score, you may still qualify, but you should consider building your score before you start searching for loans. In general, you’ll need a FICO credit score of at least 661 to qualify for a traditional auto loan, although there are lenders that offer bad cr ...