Lenders use credit tiers to determine your risk level and corresponding Annual Percentage Rate (APR). Higher scores lead to lower monthly payments and thousands in interest savings. Credit Tier Score Range Avg. New Car APR Avg. Used Car APR 781 – 850 Prime 661 – 780 Nonprime 601 – 660 Subprime 501 – 600 Deep Subprime 300 – 500

A "great" credit score to buy a car in early 2026 is . Falling into this "super prime" category typically unlocks the lowest available interest rates, often around 4.66% APR for new vehicles.

While you can secure financing with a lower score, the average target for most successful new-car buyers is roughly , while used-car buyers average about 689 . Credit Score Tiers and Interest Rates (April 2026)