Is 645 A Good Credit Score To Buy A Car (2026)

: It is below the average credit score for both new-car loans ( 753 ) and used-car loans ( 689 ).

: Most lenders consider 661 or higher as the threshold for "Prime" credit, which unlocks much better interest rates. Expected Interest Rates (APR) is 645 a good credit score to buy a car

Borrowers with a 645 score typically face interest rates that are roughly than those with prime credit. Average APR for 601–660 Score Average APR for 661–780 (Prime) New Car 9.57% – 9.83% 6.27% – 6.70% Used Car 14.46% – 14.49% 9.06% – 9.98% Tips for Buying a Car with a 645 Score : It is below the average credit score

: By FICO and VantageScore standards, 645 is squarely in the Fair range (580–669). Average APR for 601–660 Score Average APR for

A credit score of is considered a "Fair" score for buying a car as of April 2026 . While it is generally high enough to qualify for an auto loan, it falls into the "Nonprime" or "Near Prime" category (typically 601–660), meaning you will likely pay significantly more in interest than borrowers in the prime range. Is 645 "Good"?