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Car loan rates by credit score If youâre a super prime borrower with a credit score of 781 and above, you can expect to get the lowest rates. In the third quarter, super prime borrowers received a new car loan rate of 2.6 percent on average. But if youâre a deep subprime borrower with a credit score of 500 and below, you can expect to pay around five times more for a new car loan. Deep subprime borrowers received a new car loan rate of 13.53 percent on average.
Credit Scores are used to determine the Underwriting Score and Indicator Scores for. Loan Product AdvisorÂ® and Non- Loan Product Advisor Mortgages. The most common type of Credit Score is. developed by FICO, a national credit scoring company, and is called a FICOÂ® score. The guidelines for using Credit. Scores in underwriting are found in Chapter 5203, Credit Reports and Credit Scores, of the Freddie Mac Single-. Family Seller/Servicer Guide (Guide).