Is there a scale to predict what your APR might be?

[Anonymous]

My scores are 647, 627, 580

DH are  613, 565, 598

We are looking to buy a new car and I am trying to approximate APR before I go at get pre-approved through the credit union so I know what we can afford. Since mine are higher I will be the primary. Any suggestions where I may get this info?

Thanks

[marty56]

The front page of MYFICO predicts that your % using your middle score is 10.4% in Texas.  Many credit unions post rates on poor/fair/good/excellent but dont say what the ranges are.

You might also check with a dealer to see what credit tier you are in.

Credit Unions are a good place to start for a car loan but sometimes you can do better through the dealer.  I would also eask you CU if they could give you an estimate on the APR based on your scores.  They may not do it but it doesnt hurt to ask.  As long as you dont apply that is.