3 Thoughts on if you have a credit score of 665 what kind of APR% can you expect when buying a new or used car?
  1. Reply
    November 9, 2011 at 9:28 pm

    A 665 is considered a low score these days…and if you use dealer financing, you will pay through the nose. Try to arrange financing before you get to the dealer from your own bank or credit union. And you don’t want to discuss financing at the dealer until you have negotiated a price for the car..THEN let them know you have it handled…Dealerships get kickbacks for “selling loans” to buyers…

  2. Reply
    November 9, 2011 at 10:13 pm

    Who knows.

    If credit score was all that mattered, we still couldn’t tell you.

    I guarantee you that someone who makes $ 50k per year has a much easier time getting a loan than someone who has a $ 15k annual income…all other things being equal.

  3. Reply
    Rob R
    November 9, 2011 at 10:36 pm

    Ok. I’m answering this question for the 100th time on here:

    AN APR IS NOT JUST BASED ON YOUR CREDIT SCORE. THERE ARE MANY DIFFERENT FACTORS INVOLVED (Time on job, high credit, income, debt TO income, year of car, condition of car, miles ON car, and so on an so forth).

    I had a customer with a 800 credit score and we could not get him approved.

    That being said, 665 is not a great score…it’s not bad, but not great. You will PROBABLY get approved, BUT, don’t hold your breathe…

    From your friendly Mazda Salesperson 🙂

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