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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.
Which means your credit score for a mortgage application is often different than your credit score for a car loan application, and so on. These credit scores pretty much all range from 300â850, though, so if you can keep your score in the 700âs or even 800âs youâll be in good shape.