Can I get a car loan from a dealership with a credit score of 641? Thanks?
479972
Anyone can get a vehicle from any dealership, regardless of credit score.  But, the worse your credit score is, the higher the down payment.
274735
Look, first of all you needn't give out credit card number to get credit scores of credit report. It's availbale for free on the interenet and also you may request directly from the creidt bureaus. And let me tell you that if your daughter has got a score of 726,its wonderful becuase she has an excellent credit.I'm a loan officer myself and a person having a score of 726-I can qualify her for any kind of loan she wants.\n\nBut anyways let me give you the contact info of the credit bureaus from whom you may request copy of the credit report.\nEQUIFAX INFORMATION SERVICES   (EFX)\n800 685-1111\nP.O. BOX 740241\nATLANTA, GA  30374\n\nEXPERIAN  (XPN)\n888 397-3742\nP.O. BOX 2002\nALLEN, TX  75013\n\nTRANS UNION  (TUC)\n800 916-8800\nP.O. BOX 34012\nFULLERTON, CA  92834
327451
For a bank looking at loans 700+, that means they don't want to take any risk and only work with people with near perfect credit. This information is not true. There are plenty of lenders who are going to give you a loan with a score of 645, of course, depending on your income and your current debts (but that's a given). So, for your specific question a 645 is not going to bar you from getting a house. 700+ for a house? Pssh. I've been in this biz for a while now, and if I see you come in with a 645, I'm going to all but make you keys if I see from your credit history that you can pay the note. (But the prev post did say real estate, which, in that case, may be different, because A LOT of realtors won't waste their time w/ people if they know your credit score is low, since they are paid on commission. You will see this often.)\n\nUsually people who have bad credit have scores in the low 500's, so the fact that you've been working on it and got it up to a 645 probably means you have been paying on time and not overextending yourself.
808126
A good interest rate is 4.9% or better.  Whether or not they will give it to you with 670 is another question.  You might want to try and get a pre-approved loan from a lender like Capital One or something first, then you can go shopping with a blank check.  Dealer financing is usually more expensive.  I would guess that you'll land financing around 15% from the dealer.
985305
Your local bank would be an ideal first step.  Another choice is maybe a credit union you belong to - USAA, State Employees, ask your HR department if there is a credit union they are affiliated with, or could refer you too.\n\nOne choice is also to discuss this with the loan company you're already with.  Ford Motor Credit, Honda Finance, or whoever.\n\nLastly, if you can't get resolution or if your credit is maybe not ideal, try someone like Wells Fargo Financial Acceptance, Chase Manhattan Auto, Triad Financial, Citizens, Car Finance, Americredit, to name a few.
991963
There are many variables, including what your credit score is, how much you make, to name just two.  You may want to contact a debt-consolidator, though they charge for their services.  Otherwise, you're looking at a personal (unsecured) loan or secured loan...if you have something of equal or greater value to use (paid-off car for example).
248392
A major part of your credit score is tied to the length of your credit history.  The longer your history the better your score.  Therefore, if you establish credit at 16 (or even younger), then by the time you are 23 and looking for a car/home you will already have a decent credit history established.\n\nYou can open a bank account at any age, but you need a parent to co-sign.  See if they will also co-sign for a credit card for you.  Keep it with a very low credit limit ($500).  Every time you use it, pay it off at the end of the month.  That will establish a history for you.\n\nGo to www.myfico.com and get more information on how your credit score is calculated, and other hints.
717816
look for the car adds that say, "bad credit, no credit, no problem" or something like that. I don't know where you are, but google Auto Solutions.
1028289
Try American General Finance or Try a Credit Union. I got a loan with a 470 score.
870888
Most car loans that you get at the dealership are almost entirely score driven.  They don't care if you have defaulted on every loan you've ever had, as long as your score is high enough!  Okay so I am exagerating, but they are pretty big on score and very little else.\n\nIf you are at 670, that's very good.  Clearly what ever problems you've had are behind you.\n\nSadly good rates are getting hard to come by.  You may be looking at higher than 6% unless you can get some kind of dealer special.  Whatever rate they offer you tell them you want to think about it and talk to your bank.  They may be able to squeeze out a better deal for you.\n\nI'm guessing from your name you are female.  Consider taking a male with you.  Many dealerships are full of sexist idiots that will try to screw you over, and assume that you are not going to notice since you are a woman.  It may even be best to just get an auto loan with a local credit union or bank as opposed to dealing with the games they play at the dealership.
500939
For auto loans a score of 550 will be the minimum to get somewhat normal interest rate. If you have a credit score of 680 or better you will qualify for low rates. Check into your local credit union, they usually have better rates and terms than traditional banks.\n\nIf you go to the dealer for financing they may use an Auto Enhanced FICO credit score which is a specialized credit score that takes into account your past performance on auto loans & leases.\n\nGood Luck
343642
If your credit is already excellent it is likely that the credit inquiry for the car loan lowered your FICO credit score much. When the bank starts to report the loan they will report the starting loan balance, the term and the monthly payment. \n\nIf you are replacing an existing loan it will probably in about 6 months increase your score. If it is a new loan where you didn't have any auto loans before then in about 12 months your score will rise.\n\nGood Luck
1049698
No if you go to a title loan place. They do not check your credit. You will have to pay a little extra to your car title back. But you still get to drive your car. And if its crummy  don't worry about it.
196244
Try Capitol One Credit. They help people with not so perfect credit. You can even apply online. Try autotrader.com
327448
No but a credit score of less than 550 means you will have no chance getting a loan. Less than 620 will lead to you paying higher rates. 620 to 650 is average while above 650 is a very good score. Credit scores range from 375 to 900.\n\nYahoo! Finance offers a free credit score here.\n\nhttp://en.wikipedia.org/wiki/Credit_score
642241
The most accurate answer is "it depends."  First, where did you get your score from?  Is it a FICO score, a score from an individual credit bureau, or another source?  Typically, different creditors use different types of credit modules in determining your score.  Credit that is perfectly acceptable for a 100% mortgage may not be good enough to get you even a used car loan, and vice versa.  Other factors, aside from your credit score according to the lender's module, constitute your credit profile and will determine your risk, and the terms of the loan.  Other factors include, debt (to income) ratio, and employment history.  I have seen borrowers with 800+ credit scores who have been turned down for loans at my hands.  Why?  Too many tradelines, too much unsecured debt, vast accumulation of debt, high risk of bankruptcy.  To answer your question, if you live within your means, and have a few tradelines (lines of credit) that you allow to season (age) for a few years, you will find yourself not only with a good credit standing, but a balanced financial life.  Age (aside from legal age - over 18)is not a factor considered when determining credit worthiness.
127772
Yes you can!!!  I am a finance director. Call and speak to the SPECIAL FINANCE DIRECTOR at your local Dealership. DO NOT go to a buy here pay here lot they normally only report to one buerau if any at all.  A dealership will get you credit with all three credit bueraus.  E-mail me if you have any questions I can put you intouch with who ever you need.