Posts: 9
Registered: ‎07-25-2010

Can I get the 0% APR with my scores?

[ Edited ]

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.

Posts: 22,408
Registered: ‎01-17-2008

Re: Can I get the 0% APR with my scores?

Established Member
Posts: 21
Registered: ‎01-05-2010

Re: Can I get the 0% APR with my scores?

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.

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