What credit score do I need to buy a car?

There's no universal minimum; lenders approve borrowers across a wide range of scores, but the score strongly affects the rate you're offered. Higher scores generally qualify for the lowest advertised rates and promotional offers, while lower scores pay more. Lenders also look at income, debts, job history and the loan-to-value of the vehicle. Check your credit reports for free at AnnualCreditReport.com before shopping so you know where you stand and can fix any errors.