Can I get the 0% APR with my scores?

[daniki]

I need to get a new car very soon and some places have the 0% APR going on. I've read some posts in these forums that say you can be considered a "well qualified buyer" if you have a score of 720+ but others say you need 760+.

Currently I have EQ  729 and TU 738. I have a job and only have about 15% debt but I have never had an auto loan. I also have 17+ yrs credit history.

Just wondering what anyone's thoughts or experiences are. Thanks.

[guiness56]

It is possible and will depend on the dealer you go to.

[Anonymous]

Toyota is offering 0% for Tier 1 - Tier 3 scores, which supposedly start at 650, so I'm pretty sure you'd qualify there.  I've also heard that Mazda has pretty low score criteria for 0%.  I'm planning on applying with Mazda later this week, so I guess I'll find out.