How Much Credit History Is Needed To Buy A Car Official

While you can technically finance a car with zero credit history, it often requires additional steps or leads to significantly higher costs.

According to Experian data from late 2025, the average credit scores for those who successfully financed a vehicle were: 753. Used Car Loan: 689. how much credit history is needed to buy a car

Roughly 69% of financed cars went to borrowers with a score of 661 or higher . Financing with Short or No Credit History While you can technically finance a car with