Credit Cards Center Credit cards from our partners
New Visitor
Posts: 1
Registered: ‎01-05-2008

My credit score is 545.......

What do you think my Interest rate would be if i got a auto loan? by the way i do have limited credit
Super Contributor
Posts: 5,722
Registered: ‎10-06-2007

Re: My credit score is 545.......

Would also depend on your auto FICO score.  Some in the forum suggested that it would be a good idea to go to a credit union, show them your FICO scores and see if they would approve you base on your FICO and credit report.  This might save a hard inq and give you an idea of where you stand.  Also check out  The have some auto loan stuff out there,
09/10/2016 FICO: EQ: 797 EX:788 TU:795
Established Contributor
Posts: 1,076
Registered: ‎07-03-2007

Re: My credit score is 545.......

how long is your credit history? i would guess 18-22%
Valued Member
Posts: 30
Registered: ‎06-04-2007

Re: My credit score is 545.......

is your score tracking up or down... more specifically do you want a car or need a car ?
you can always refinance in a year assuming you make the payments but if you can wait I would advise.  With the help of this forum you can get that score up quickly.
Senior Contributor
Posts: 3,536
Registered: ‎11-30-2007

Re: My credit score is 545.......

I used RoadLoans to purchase a used car, we got a really good rate for used.  I was very happy with their customer service.  You can call and talk to them.
I think I'd try to get that score up just a bit though.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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.