What scores do you need to get the best APR offers?

[kc12286]

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@John060675 wrote:

Ah, just found the answer on the forum.  That sucks that I cannot access my auto enhanced FICO score.  I suppose the only good thing I have going is that I was perfect on my auto loan for my Honda.  I just wish I knew how much that helped my score.

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John, as far as I know of there's no way to find out your auto enhanced FICO score and I believe the one told to me by the dealer was my regular FICO. I had alraedy told her my regular EQ  and the one she listed (although a point lower) closely matched what I was seeing in the score watch section.

As a few have said, sometimes they' auto enchanced scores are lower or higher than their regular scores, so that also makes it hard to determine.

[NeedinHelp42]

If it helps, on Saturday I qualified for Toyota's 2.9% promotional APR over 60 months on a new Highlander with an Equifax score of 663.  I don't know if they even pulled an auto-enhanced score, as the finance manager came to me with the different options for buying and leasing and said, "your Equifax score is 663"-which was the same as it was when I pulled it a couple hours before when I left the house.    So as far as I know the merely pulled EQ and that along with my income was enought to get it done.

[kc12286]

I "qualified" for the rate but the banks didn't like my profile, they wanted a cosigner. But I was approved with NMAC which made me happy.