5 Thoughts on If a car dealership is offering a 0% financing incentive, how high does your credit score have to be 2 qualify?
  1. Reply
    October 28, 2011 at 3:58 am

    Usually pretty high, so ask.

  2. Reply
    October 28, 2011 at 4:17 am

    750 and above.

  3. Reply
    timothy p
    October 28, 2011 at 4:22 am

    You will have to be top tier. Your minimum score will be between 720 and 760 depending on the standards of the lender.

  4. Reply
    October 28, 2011 at 5:04 am

    At least 740 – top credit.
    Note: Don’t feel bad if you don’t qualify for this 0%.
    Dealerships offer this – but the price of financing is “hidden” in the price of the car.
    Remember that nothing in this life is free…

  5. Reply
    October 28, 2011 at 5:15 am

    Auto finance is what I do for a living and it depends on several thing actually.

    With Chrysler it’s 680 and up but I have seen them approve several people with scores lower then that based on the structure of the dael.

    By structure I mean the loan to value, if the L.T.V. is low enough based on down payments, rebates etc. you can get approved for 0% with a lower score.

    Your best option will be to go and pick out the vehicle of your choice, agree on a final amount to be financed and let the dealer submit your application. Anything less then that and it’s just a guess.

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