A credit score of is generally considered "fair" or "near-prime" . While this score is sufficient to qualify for most car loans, it typically results in higher interest rates compared to "prime" borrowers (those with scores above 660). Current Market Rates (April 2026)
For comparison, prime borrowers (661–780) average roughly for new cars, showing how even a slight score increase can lead to significant savings. Potential Challenges What Car Loan Can I Get With a 650 Credit Score? buying a car with 650 credit score
As of early 2026, borrowers with scores in the range can expect the following average annual percentage rates (APRs): New Cars : Approximately 9.57% . Used Cars : Approximately 14.49% . A credit score of is generally considered "fair"
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