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A FICO credit score of 640 falls in the average range and you can definitely get a car loan with that score but you will have to pay a higher interest rate (APR) than someone with let’s say a 680 credit score, keep in mind that lenders do not only look at the credit score when deciding who to give a car loan to.

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The higher the number, the better the credit score is. A 631 credit score is not super high, but not super low either. A 631 credit score is a fair credit score. 613 is NOT a good credit score. 613 is a fair credit score. Someone with a credit score of 613 will probably be able to get a loan, but pay higher interest and with worse terms.

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Ontario Car Loans and Bad Credit Auto Financing : With Canada Auto Finance whether you are trying to reclaim control of your finances due to damaged credit, or just learning how to manage your money and establish a good credit history, we can assist you in obtaining an auto loan and into the ride of your choice.

As the chart above shows, getting an auto loan with a 590 credit score is going to cost you a lot more. On a 36 month new auto loan, it’ll cost you $4,680 more. On a 48 month, $5,568 more. On a 60 month auto loan, it will cost you a whopping $7,200 more.

Truro Bad Credit Car Loans | Canada Drives – Vehicle Loans for Bad Credit in Truro, NS. Don’t make getting your next auto loan in Truro, NS harder than you need to. Canada Drives specializes in working with a wide variety of credit and financial situations for folks from all walks of life in Nova Scotia.

What is a credit score? In Canada, credit scores range from 300 (just getting started) up to 900 points, which is the best score. According to TransUnion, 650 is the magic middle number – a score above 650 will likely qualify you for a standard loan while a score under 650 will likely bring difficulty in receiving new credit.

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