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Your credit score determines your worthiness and risk rate to lenders, or anyone looking to give you credit. Which can include a monetary loan, an asset, a rental, or a license. It also indicates your overall credit health. While your score is not the only factor that a lender considers when approving you for a loan, it is a major factor. Typically, the higher your score is the lower risk you are to miss payments or default on the loan. So, those who have higher scores are usually offered more competitive interest rates and loan terms.

Credit Score

What it means

Excellent
 (750-900)

Excellent Credit poses no risk to lenders and will usually be auto-approved for most loans in their budget with great terms.

Good (650-749)

Favorable Credit poses very low risk to lenders and can expect great interest rates and term approvals.

Fair
 (575-649)

Concerning Credit, it poses some risk to lenders. You can expect higher interest rates with less favorable approval terms. You should be focused on improving your score back to Good to unlock more favorable terms.

Poor
 (300-574)

Serious Credit issues. This tier indicates a very high risk to lenders and the highest likelihood to miss payments or default on the loan. Will be offered high-interest rates with unfavorable terms, could also require security against the loan. It is imperative when in this tier to diligently work to improve your score.

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According to Capital One, over half (57%) of Canadian’s have never attempted to obtain their Credit Score!

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Car Loan Resources

Discover latest news and updates in the auto world

Auto Financing

Auto Loan Calculator

Information on the location and how to use our car loan calculator. Wondering about the impact of interest rates? Use Car Loans Canada's car loan calculator to quickly determine your loan payment. It's easy to use and can be found on our homepage. Here's some information that might be helpful ...

Auto Financing

8 (Hidden) Factors That Can Affect Your Auto Loan Interest Rates

Are you in the market for a new car or truck? Well, unless you've got the cash lying around, you'll probably have to borrow the money. And that means applying for an auto loan. A huge part of an auto loan is the interest rate, which controls how ...

Auto Financing

7 Surprising Details That Affect Your Monthly Car Loan Payment

Introduction Most people will probably understand the basics of how a monthly car loan payment is worked out - they'll understand the simple facts that affect a loan's cost, like interest rates or the length of the repayment period. But there are many more factors that determine the cost of ...

Canadian Car News

Canadian's Are Tired of Auto Finance Online Scams

As we have all heard the famous quote by author Richard Carlson "If it seems too good to be true, it probably is". Well, I think we can all agree a Pink Jeep advertised at $99 Bi-Weekly is too good to be true (Okay, The colours not the point, pretend ...

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