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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.
The credit score to get a car loan does not need to be high if a borrower wishes to get one, however, he must always evaluate whether he does have the capability to pay off the higher interest rates.hese lenders are smaller than traditional lenders and are generally newer and do not usually have a well established name. For these reasons, their required credit score to get a car loan is normally low. These alternative lenders are easy to find.