Credit Cards Center Credit cards from our partners
Posts: 9
Registered: ‎03-20-2013

Best auto loans for "needs work" credit

Hi All, 


I know some banks/CU's are more aggresive than others. I'm currently fixing my credit. Started at 575 and now up to 620-640. I've never had any negative items from my previous 5 car loans, and I have no credit card debt now. What would be the top places to apply for car loan? looking for around $28k-$30k at 72 months.


I've been afraid to apply right now cause i've recently paid off my CC's and waiting for that to hit my reports. 


Also I have pretty much everything with USAA. checking, saving, IRA, Auto Insurance, Life Insurance. Would that help them be more lenient in my approval?

New Contributor
Posts: 132
Registered: ‎11-21-2012

Re: Best auto loans for "needs work" credit

You could try USAA since you have a good relationship with them also try a credit union. If those fail just go to a dealer they will often get you better rates.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.