How Much Credit History Is Needed To Buy A Car (2026)

According to Experian data from late 2025, the average credit scores for those who successfully financed a vehicle were: 753. Used Car Loan: 689.

There is required to buy a car, as lenders set their own criteria. However, most traditional lenders prefer to see at least 6 to 12 months of established credit history to offer competitive rates. how much credit history is needed to buy a car

If your credit file is "thin" (less than 6 months old) or nonexistent, you have several options to secure approval: What Credit Score Range is Required to Buy a Car? According to Experian data from late 2025, the