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What credit score do you need to buy a car?

There is no magic number that unlocks a car loan, which is frustrating when you are trying to decide whether applying is even worth it. What does exist is a set of ranges lenders use as shorthand, plus a much longer list of things they examine once your score has landed you in one.

Can you get approved for a car loan with bad credit?

If a lender has already told you no, the real question is not whether approval is possible. It is what has to line up for it to happen. Drivers across Kansas City finance vehicles every month with credit a bank would call thin, damaged, or both. What changes the outcome is knowing what sits behind the decision and walking in with the right paperwork in hand.