What kind of APR can I get on a car with a credit score of 680?

Question

What kind of APR can I get on a car with a credit score of 680?

Answer 1

If the Manufacturer is offering a low APR, you might just might qualify for that. Else you will have to Pre Approve with a Credit Union or a Large Bank.

Small banks don't want to take risk and would offer higher APR. Larger Banks like Bank of America might be lenient. The going Rate is somewhere 4.8 % to 5.5 % for the Top of the Class Credit. So that's your bottom Rate. No one would offer any lower.

Answer 2

depends on which car but u have a reasonable good credit score... negotiating is crucial..

Answer 3

Go to your local bank or credit union and get pre approved.

That way you walk in with negotiating power and don't over spend what you can afford, you will get a better deal at a credit union,. I also was able to make weekly payments out of my savings account at my credit union rather than writing a $300 check each month, I have $100.00 of my check each week direct deposited into my Savings account at my credit union, and 79.00 is taken from it for my Car loan, then the remainder builds my savings, I am used to it, I never have to make a late payment I don't even miss it any more I am so used to it.