Where does your score land?
Drag to any score on the FICO range, 300 to 850.
Most lenders will approve you, with rates near average. Keeping utilization low can push you into the next tier.
FICO score ranges
Generally, 670 and up is considered good. Each lender sets its own cutoffs, but these tiers are the common yardstick.
Exceptional
The best rates and easiest approvals.
Very Good
Strong rates with most lenders.
Good
Approved by most lenders, with rates near average.
Fair
Approval possible, often with higher rates or more money down.
Poor
Limited options. Rebuild with on-time payments and a secured card.
At the dealership: auto lenders often use FICO Auto Scores, which run from 250 to 900 and weigh your past auto loans more heavily. That’s why the score a lender sees can differ from your app.
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Last reviewed: Next scheduled review: January 2027