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

New Visitor

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
Message 1 of 5
4 REPLIES
Super Contributor

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 www.whogavemecredit.com.  The have some auto loan stuff out there,
12/08/2017 FICO: EQ 843 TU 849 EX 844
Message 2 of 5
Established Contributor

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

how long is your credit history? i would guess 18-22%
Message 3 of 5
Valued Member

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.
 
 
Message 4 of 5
Senior Contributor

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.
Message 5 of 5