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Since its introduction over 25 years ago, FICO Scores have become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use FICO Scores to make consumer credit decisions.
640 credit score: Good or Bad, Auto Loan, Credit Card Options. – Auto loans for 640 FICO Score. Whether you’re in the market for a new or used car, you can expect an auto loan interest rate anywhere between 7.66% and 9.66% if your credit scores falls in this range.
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The loan term and the APR offered will depend on your credit score, income, debt payment obligations, loan amount, credit usage history and other factors. Additionally, the APR offered is impacted by your loan term and may be higher than our lowest advertised rate.
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An Average Credit Score: 679 – 620 When applying for auto loans with credit scores of 640, 660, 650, or 644 for example, you will have higher rates on available loans. Most new and used car lots (including franchised car dealers) will still provide you with financing while most banks will take a deeper look into your finances prior to approval.
If you are shopping for a home or a new or used car loan, a 640 credit score should allow you to find more than one finance source willing to work with you. However, because you represent a moderate level of risk, you will almost certainly be asked to pay a higher interest rate than someone who has a better score, even if their income and debt levels are comparable.
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Auto loans for 640 FICO Score. Whether you’re in the market for a new or used car, you can expect an auto loan interest rate anywhere between 7.66% and 9.66% if your credit scores falls in this range.
As you can see, a score of 640 will fall into the Average credit range, though sometimes a score under 680 is termed Subprime. Scores in that range will have a good chance of finding the financing they need for a wide variety of cars. There are a few lenders who will not approve a 640, though. Most large lenders look for a score of 680 or higher.