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

Allison Martin's career started over 10 years ago as a digital content strategist. Since then, she's been published in several leading financial publications including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.







Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are committed to helping readers gain the confidence to manage their finances with clear, well-researched information that breaks down otherwise complex topics into manageable bites.









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You want to get the best deal on a car loan but you're worried that it could be difficult due to your credit standing. On average, those with strong credit will receive the most favorable rates. For example, according to research, those with a score of 300 to 500 are offered an average of 19.81 percent APR on the purchase of a used car. On the other hand, those who have a credit score between 661 and 780 will pay 5.47 percent. If you can hold the purchase then you could implement strategies to build your credit before buying a car. Be aware of the fact that you will be assessed by the lender will likely evaluate your ability to repay the loan by calculating your debt-to-income ratio. You should consider paying off any current debts to lower your DTI ratio alongside other methods to boost your score on credit. Four ways to improve your credit prior to purchasing an automobile. Your credit score is an important factor when applying the application process for the approval of a car loan. So, you want to make sure your credit is in top shape before you apply start by following these practical suggestions. 1. Correct any mistakes that appear on your credit file. Begin by . Check the report's contents for accuracy , and then highlight any errors you notice that could drag your score down. For example, maybe the report claims that you failed to make the payment, but you actually made in time. Next, file a dispute by either phone, mail, or online to the major credit bureaus including Experian, TransUnion or Equifax -- reporting the inaccurate information. The credit reporting agency will then contact your creditor, or lender to further investigate the dispute. If the information in your report isn't verifiable the report will be deleted and your score may be improved. 2. Pay your bills on time . Payment history is a major factor in 35 percent of your FICO credit score. If your credit card or loan account reaches thirty or more calendar days in arrears, a lender or creditor is likely to report the delinquency, and your credit score could be affected. However, if you pay on time payments to your credit accounts your score will improve over time. It's also important to bring past due accounts current to avoid further collection actions and harm on your score. 3. Pay down your credit card debts Your credit card balances will be reduced. FICO credit-scoring model favors those who are responsible in managing their obligations to repay their debts. Therefore, the amount that you have to pay is the 2nd largest part of your credit score. The amount of your credit line that you're currently using, is the second largest part to your score. Creditors want to see your credit utilization at less than 30 percent. If it's higher, you should work to pay down your balances to possibly increase your credit score. This will allow you to qualify for a low rates on auto loan. 4. Avoid applying for new credit Each time you apply for credit an inquiry is made which can lower your score on credit by several points. Even though the impact is temporary, multiple inquiries in a short period could hurt your score. Unfortunately, a slight drop of your credit rating could result in more interest rates -which can cost you hundreds or thousands of dollars more. Keep your shopping in a two-week period. What is the role of credit score? Understanding it will help you efficiently improve your score. Credit history: comprising 35 percent of your score, this includes your payment information, delinquencies and amount of accounts. Credit utilization ratio: 30 percent. This is the amount you owe on your credit limit. Credit history length: 15 percent. Typically, the more time you've had credit more, the better. New credit 10. Credit bureaus assess the number of accounts you've opened recently. Opening too many new accounts can drop your score. Credit mix 10. The fact that you have several credit types such as card, loans and retail accounts -- plays for your benefit here. What is the significance of your credit score when getting a new car Lenders utilize your credit score to gauge your creditworthiness and the likelihood of you defaulting on your loan payment. There is less risk for the lender if you have good or good credit. You typically will be awarded a lower . With a lower interest rate the monthly payments will be less as well as your loan will cost less overall. However, they are generally more expensive. Bad credit car loan options If you're in the market for a car loan, there are . For instance, buy-here, pay-here and pay-here dealerships are geared towards borrowers who are struggling with credit -- however, they typically charge high interest rates and should only be used as a last resort. Consider reaching out to your credit union or bank to see whether they'll allow you for a loan based on the strength of your existing relationship. Online lenders could also be a good match as they often have a prequalification tool on their website so you can check if are eligible and compare loan rates. The bottom line A strong credit score, a steady source of income, and the ability to reduce your debt-to-income ratio can provide you with a favorable rate for an automobile loan. It's therefore worth improving your credit standing before you apply. When you're ready to apply, you should to discover the most suitable options for your financial situation. Related Articles:



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Written by

Allison Martin's work started over 10 years ago as a digital content strategist. She's been featured in a variety of top financial publications, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain the confidence to manage their finances by providing clear, well-researched information that break down complicated topics into digestible chunks.






Auto loans editor




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