What Credit Score Is Needed to Buy a Car?
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Most approved borrowers have credit scores of 661 or higher, but there is no set score to get an auto loan. Having a credit score below 660 could make it harder and more expensive — though not impossible — to finance your car.
Here is what you need to know about auto loan credit scores and how to increase your score to get a better rate.
Key takeaways
- A credit score of 661 or higher significantly increases your chances of being approved for an auto loan with great rates and terms.
- Lower credit scores can still qualify, but often result in less favorable rates and terms.
- Different lenders can require different minimum credit scores, highlighting the importance of shopping around.
Minimum credit score to buy a car
The credit score required and other eligibility factors for buying a car vary by lender and loan terms. Still, you typically need a good credit score of 661 or higher to qualify for an auto loan.
About 71% of vehicle financing is for borrowers with credit scores of 661 or higher, according to Experian. Meanwhile, low-credit borrowers with scores of 600 or lower account for only 14% of auto loans.
Despite these car loan statistics, buying a car with poor credit is possible, especially if you can provide a generous down payment (at least 20% on a new car, 10% for used). With that said, having a very good to an excellent score will increase your chances of approval and help you secure the most competitive rates and terms.
Understanding auto loan credit scores
Your credit score is how lenders measure your financial stability and determine your repayment reliability. In general, the higher your credit score, the better rate you can get. Experian gives the following credit score tiers and average interest rates for new and used car loans.
| Credit score | Average new car APR | Average used car APR |
|---|---|---|
| Super prime (781-850) | 5.18% | 6.82% |
| Prime (661-780) | 6.70% | 9.06% |
| Near prime (601-660) | 9.83% | 13.74% |
| Subprime (501-600) | 13.22% | 18.99% |
| Deep subprime (300-500) | 15.81% | 21.58% |
Source: Experian’s State of the Automotive Finance Market for Q1 2025
Based on the data above, borrowers with scores in the high 600s could expect to receive rates around 9.06% when financing a used car, compared with 21.58% for borrowers with scores below 500.
Our auto loan calculator can help you compare monthly payments between credit score tiers. For example, if you have a credit score of 790 and want to finance a new car for $30,000 with a 60-month term and no down payment, your estimated payment would be $568.61 a month. However, this payment would increase to $634.90 a month if you have a credit score of 640.
When researching car loan options, keep in mind that advertised rates typically apply to high-credit borrowers. If you want to unlock the most attractive rates, consider boosting your credit score before applying.
What is a FICO Auto Score?
Many dealers use a FICO Auto Score instead of a traditional FICO Score or VantageScore when evaluating your car loan application. Your FICO Auto Score can range from 250 to 900, depending on your previous auto loans. Factors such as how much you borrowed and any delinquencies or auto loan bankruptcies can contribute toward this credit scoring model.
Your FICO Auto Score also looks at credit utilization rate, length of credit history, credit mix and new credit, while ensuring that certain factors don’t have such a significant impact. For example, unpaid medical bills won’t ding your score as much as other types of debt.
While checking and monitoring your credit scores and accessing your credit reports is free, you must pay for your FICO Auto Score at myFICO.com.
How to increase your credit score before buying
Checking your credit score before applying for an auto loan can help you know where you stand. If you can’t qualify for a car loan, here are some ways to improve your credit score:
- Check your credit report for errors. Mistakes do happen, along with fraudulent activity. If you notice something amiss, contact the credit bureaus to dispute credit report errors.
- Pay all bills on time. Payments more than 30 days late can drastically affect your credit score. Set regular reminders to stay on top of important monthly bills.
- Reduce your credit card debt. Lenders may look at your credit utilization ratio and debt-to-income (DTI) ratio to assess whether you have enough income to cover your essential bills in addition to a car loan payment.
- Increase your credit limits.Requesting a credit limit increase will alter your credit utilization ratio and could improve your credit score. However, avoiding a credit limit increase is best if you think you might rack up more charge than you can afford.
- Keep your credit accounts open. Closing your current credit card accounts could hurt your score by reducing your overall credit limit and changing your credit utilization ratio. Unless you are paying high annual fees, keeping your credit card accounts open can help keep your credit profile in good shape.
- Avoid applying for other types of credit.Opening new accounts can hurt your credit score by reducing your average age of accounts. If possible, avoid taking on new debts within six months of applying for a car loan.
Learn more about how to buy a car.
How to get a car loan with bad credit
If you have a score of 660 or lower, you will likely need to look at bad credit auto loans. While these loans can help you finance a car, note that you may get a higher interest rate.
Here are some tips to get approved for a car loan with bad credit:
1. Save for a down payment
Providing a significant down payment for a car can help offset a limited or damaged credit profile, reassuring the lender that you can handle this debt. The less risky you appear, the better rates and terms you could receive.
According to Edmunds, the average down payment on a new vehicle was $6,511 in the first quarter of 2025. For used vehicles, it was $4,078.
If you don’t have enough cash, you can consider bad credit car loans with no money down — which can provide 100% car financing. Just be prepared to pay higher interest rates when getting an auto loan for bad credit.
2. Calculate your loan budget
Decide how much you can comfortably borrow without getting over your head in debt. Start by researching the cost of owning a car and finding an option that fits your budget. The 20/4/10 rule can help you determine the ideal amount to spend on a car:
- Saving for a 20% down payment
- Picking a repayment term of four years or less
- Budgeting less than 10% of your monthly income on transportation costs
You can also weigh the pros and cons of financing a used car versus a new car. While new cars have lower financing and maintenance expenses, used cars have lower upfront costs, including reduced insurance and registration fees.
3. Add a cosigner
A car loan cosigner can improve the chances of loan approval and help you get a lower auto loan rate. Lenders typically view two people taking responsibility for the loan as a positive sign that they will receive payments each month.
Make sure your cosigner knows the legal responsibility involved with cosigning before proceeding. If you can’t repay the debt, it will be the cosigner’s responsibility to make payments. If the loan defaults, both applicants’ credit scores will suffer.
4. Shop around for auto loan preapprovals
Lenders will evaluate your credit history slightly differently when determining your auto loan interest rate. That’s why it’s best to shop around to find the best auto lender for your situation.
An auto loan prequalification requires a soft credit check and suggests rates and terms based on limited information. A preapproved car loan, on the other hand, involves a hard credit check but provides a more accurate offer and can help with the negotiation process.
You can generally apply for multiple preapproval car loan offers within a 14-day window without further impact on your credit score.
How much is your vehicle purchase price?
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5. Compare offers and finalize loan details
If you receive offers from multiple lenders, read the fine print for additional expenses, such as origination fees and prepayment penalties. These hidden costs can make a loan cost more than expected, especially if you have to pay a hefty prepayment penalty for an auto loan refinance down the road.
In addition to loan costs, watch out for common dealer fees — some of which you can negotiate or pass on.
Buyer beware
Dealerships advertising “guaranteed financing” and “buy here, pay here” should be a last resort. These businesses tend to toe the line of predatory behavior. If you take a loan with one, make sure you pay a fair price for the car and get a competitive auto loan rate.
Where to get an auto loan
You have several options when it comes to applying for a car loan.
Dealer financing
Auto brands like Ford and Toyota offer their own car financing, allowing you to streamline the lending and purchasing process. Though convenient, dealerships tend to charge higher interest rates than other lenders.
Credit unions
Credit union auto loans can provide low rates, since the profits go to credit union members through reduced interest rates and higher returns on savings products. You must be a credit union member and meet their eligibility requirements.
Traditional banks
Brick-and-mortar banks generally provide competitive rates with flexible terms and limited fees. However, traditional lenders tend to impose stricter eligibility requirements, making them harder to get for low-credit borrowers.
Online lenders
Online auto lenders typically have the most flexible credit requirements, with many lenders catering to bad-credit borrowers. You can also save time by submitting your auto loan application online. However, these loans tend to have higher interest rates and more fees than credit unions and banks.
Online marketplaces
Using an online marketplace like LendingTree lets you compare offers from multiple lenders. If you qualify on LendingTree, you could see auto loan offers from up to five lenders at once. LendingTree has the country’s largest network of trusted lenders, and checking rates won’t affect your credit score.
Compare auto loan rates from top lenders in minutes
No impact to your credit score
Frequently asked questions
What is an acceptable credit score to buy a car?
A credit score above 660 gives you the best odds at an auto loan. That’s because almost three out of every four auto loans go to borrowers with credit scores of 661 or higher, according to Experian.
Can I get a car with a 500 credit score?
Buying a car with bad credit is possible with credit scores as low as 500. Having a high down payment, getting a good deal on the car and having a cosigner can all improve your likelihood of being approved.
Can I buy a car with no credit?
Yes, you can buy a car with no credit history. One option is to pay for the car with cash or to provide a significant down payment. Alternatively, you can show the lender proof of consistent income to reassure them you can handle the debt. However, not having adequate credit means you will likely end up with a higher interest rate.
Will a car loan improve my credit score?
Yes, a car loan will improve your credit score if you make the payments on time and in full until you trade in the car, sell it or pay off the loan.
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Free LendingTree Services – Disclosure current as of 20-May-24
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process your formal loan application, appraisal, and/or credit report, but until you agree to pay the lender any fee(s), you may shop with LendingTree at no cost.
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Rates as Low as 5.11 % for Auto Purchase Loans – Disclosure current as of 15-Aug-25
As of 15-Aug-25, LendingTree Purchase Auto Loan consumers were seeing offer rates as low as 5.11% ( on a $63000.00 loan amount for a term of 60 months ). Here are some examples of offers consumers were receiving as of 15-Aug-25:
| Loan Term (Months) | Loan Amount | Rate | APR | Estimated Monthly Payment |
| 36 | $10000.00 | 7.24% | 7.24% | $309.87 |
| $15000.00 | 7.24% | 7.24% | $464.80 | |
| $20000.00 | 7.24% | 7.24% | $619.74 | |
| $25000.00 | 6.49% | 6.49% | $766.11 | |
| $30000.00 | 6.49% | 6.49% | $919.33 | |
| 48 | $10000.00 | 7.24% | 7.24% | $240.58 |
| $15000.00 | 7.24% | 7.24% | $360.87 | |
| $20000.00 | 7.24% | 7.24% | $481.15 | |
| $25000.00 | 7.24% | 7.24% | $601.44 | |
| $30000.00 | 7.24% | 7.24% | $721.73 | |
| 60 | $10000.00 | 7.24% | 7.24% | $199.15 |
| $15000.00 | 7.24% | 7.24% | $298.72 | |
| $20000.00 | 7.24% | 7.24% | $398.29 | |
| $25000.00 | 7.24% | 7.24% | $497.87 | |
| $30000.00 | 7.24% | 7.24% | $597.44 | |
| 72 | $10000.00 | 7.39% | 7.39% | $172.37 |
| $15000.00 | 7.39% | 7.39% | $258.55 | |
| $20000.00 | 7.39% | 7.39% | $344.74 | |
| $25000.00 | 7.39% | 7.39% | $430.92 | |
| $30000.00 | 7.39% | 7.39% | $517.11 |
- Advertised rate based on actual offered rates to consumers over the past 30 days, using the same self-identified credit rating, appropriate loan-to-value for the vehicle, and where no such term, amount and/or offer was requested in a particular state the advertised rate is that of the lowest national rate offered using the same assumptions. Please note that your rate can be higher or lower than the advertised rate.
- The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, license, taxes, fees, money down, trade-in, rebates, cash down amounts, the location and type of automobile as well as other factors as determined by Lenders.
- Not available in all states.
- Rates are subject to change daily without notice.
- Payment amounts shown do not include taxes, licensing or fees.
Auto Legal Notice
- California: For purposes of compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected] . Married consumers may request separate credit. A married consumer may include a spouse’s income even when requesting for a separate account.
- Maryland: We do not accept or solicit any fees or payments from you. When you submit a request to us and your inquiry is forwarded to one of our Finance Partners, you may be issued a Financing Agreement by a Finance Partner in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the Financing Agreement remains in effect.
- Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
- Vermont: For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]
- Wisconsin: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Rates as Low as 5.03 % for Auto Refinance Loans – Disclosure current as of 15-Aug-25
As of 15-Aug-25, LendingTree Refinance Auto Loan consumers were seeing offered rates as low as 5.03% ( on a $125000.00 loan amount for a term of 36 months ). Here are some examples of offers consumers were receiving as of 15-Aug-25:
| Loan Term (Months) | Loan Amount | Rate | APR | Estimated Monthly Payment |
| 36 | $10000.00 | 5.19% | 5.19% | $318.43 |
| $15000.00 | 5.19% | 5.19% | $452.00 | |
| $20000.00 | 5.19% | 5.19% | $605.00 | |
| $25000.00 | 5.03% | 5.03% | $751.00 | |
| $30000.00 | 5.19% | 5.19% | $903.00 | |
| 48 | $10000.00 | 5.64% | 5.64% | $247.16 |
| $15000.00 | 5.24% | 5.24% | $350.00 | |
| $20000.00 | 5.24% | 5.24% | $461.00 | |
| $25000.00 | 5.24% | 5.24% | $578.00 | |
| $30000.00 | 5.24% | 5.24% | $694.00 | |
| 60 | $10000.00 | 5.68% | 5.68% | $202.92 |
| $15000.00 | 5.24% | 5.24% | $284.72 | |
| $20000.00 | 5.12% | 5.12% | $377.00 | |
| $25000.00 | 5.12% | 5.12% | $475.00 | |
| $30000.00 | 5.12% | 5.12% | $568.00 | |
| 72 | $10000.00 | 5.84% | 5.84% | $174.77 |
| $15000.00 | 5.89% | 5.89% | $258.15 | |
| $20000.00 | 5.42% | 5.42% | $325.00 | |
| $25000.00 | 5.42% | 5.42% | $408.00 | |
| $30000.00 | 5.42% | 5.42% | $491.00 |
Reducing your monthly car payments by refinancing? Keep in mind that if you choose to make your remaining loan term longer, the overall cost of your loan may be higher than without refinancing. If you decide to refinance with a LendingTree partner, you may be able to lower your monthly loan payment. However, if you choose a loan term that is longer than the term left on your existing auto loan, you will pay interest over a longer period of time, and the overall cost of your loan may be higher. Consult your financial advisor to see if refinancing your auto loan is right for you.
- Advertised rate based on actual offered rates to consumers over the past 30 days, using the same self-identified credit rating, appropriate loan-to-value for the vehicle, and where no such term, amount and/or offer was requested in a particular state the advertised rate is that of the lowest national rate offered using the same assumptions. Please note that your rate can be higher or lower than the advertised rate.
- The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, license, taxes, fees, money down, trade-in, rebates, cash down amounts, the location and type of automobile as well as other factors as determined by Lenders.
- The loan-to-value is
- Not available in all states.
- Rates are subject to change daily without notice.
- Payment amounts shown do not include taxes, licensing or fees.
- Refinancing may not always result in lower overall interest and principal payments and it extends the life of the loan.
Auto Legal Notice
- California: For purposes of compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected] . Married consumers may request separate credit. A married consumer may include a spouse’s income even when requesting for a separate account.
- Maryland: We do not accept or solicit any fees or payments from you. When you submit a request to us and your inquiry is forwarded to one of our Finance Partners, you may be issued a Financing Agreement by a Finance Partner in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the Financing Agreement remains in effect.
- Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
- Vermont: For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]
- Wisconsin: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Automobile Purchase (New and Used) and Refinance – Disclosure current as of 20-May-24
Loan amounts from 10000 up to 30000
Annual Percentage Rates (APR) – As Low As*
| Loan Type | Up to 36 Months APR% | 48 Months APR% | 60 Months APR% |
| New Car | n/a% | n/a% | n/a% |
| Used Car | n/a% | n/a% | n/a% |
| Refinance | n/a% | n/a% | n/a% |
- APR is the Annual Percentage Rate. Rates quoted assume excellent borrower credit history. Your actual individual APR may vary based on your state of residence, applicable discounts, credit history, specific terms of the loan selected, verification of information, your credit history, license, taxes, fees, money down, trade-in, rebates, cash down amounts, the location and type of automobile as well as other factors as determined by Lenders.
- Advertised rate based on actual matched rates to consumers over the past 30 days, using the same self-identified credit rating, appropriate loan-to-value for the vehicle, and where no such term, amount and/or offer was requested in a particular state the advertised rate is that of the lowest national rate offered using the same assumptions. Please note that your rate can be higher or lower than the advertised rate.
- Not available in all states.
- Rates are subject to change daily without notice. Rates are calculated based on participating Network Lenders rates as of the date stated above being averaged.
- The following additional disclosures apply:
- Credit subject to approval by participating Network Lender.
- A loan fee may be required.
- Assumes auto is new or less than one year old.
- Interest rates assume excellent borrower credit history.
- Rates and payment amounts will vary by state, collateral type and loan to value ratio.
- Rates and terms are subject to change without notice.
- Example: A six year fixed-rate loan for a $25,000 new car, with 20% down, requires a $20,000 loan. Based on a simple interest rate of 3.4% and a loan fee of $200, this loan would have 72 monthly payments of $310.54 each and an annual percentage rate (APR) of 3.74%.
Auto Legal Notice
- California: For purposes of compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected] . Married consumers may request separate credit. A married consumer may include a spouse’s income even when requesting for a separate account.
- Maryland: We do not accept or solicit any fees or payments from you. When you submit a request to us and your inquiry is forwarded to one of our Finance Partners, you may be issued a Financing Agreement by a Finance Partner in accordance with Maryland Commercial Law Code §§ 12-125, 1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of loan being offered; (3) the interest rate and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by the borrower; and (5) the term during which the Financing Agreement remains in effect.
- Ohio: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
- Vermont: For purposes of compliance with the Vermont Consumer Protection Act, if you are a resident of the State of Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at [email protected]
- Wisconsin: No provision of a marital property agreement, a unilateral statement under Wis. Rev. Stat. § 766.59 or a court decree under Wis. Rev. Stat. § 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.
Calculators – Disclosure current as of 27-Nov-24
Calculators are made available as tools for your use in researching and comparing products. LendingTree does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only. When calculators are placed in LendingTree Widgets there are times when certain assumptions will be utilized, including, but not limited to the following:
Assumptions
Estimated annual property tax is 1.14%. Estimated annual homeowner’s insurance is $800. Annual homeowner’s association (HOA) dues are $0. Loan term is 30 years. This includes private mortgage insurance (PMI). These are examples only are not guaranteed amounts for any one location. Amounts are national averages from 2013 obtained from several sources. Estimated taxes and insurance amounts will adjust using the above assumptions when a new purchase/refinance/home estimated value is placed into the field and is not a guarantee of what actual amounts may be for any particular product or property.
Assumptions
Rental amount includes one year of rent (you place into the calculator) and rental insurance (based on the national average for 2013). Loan term is 30 years. Property tax assumption is 1% of the home value. Annual homeowner’s association (HOA) dues being set at $100. Maintenance of owning a home is assumed at 2% of home value. Personal tax rate of 33% is factored into the calculation(s). Calculator assumes home appreciation of 4% and a rent increase of 4% annually. The cost of selling a home is 8% of the sales price based on national average of repairs, staging, and Real Estate Agent commissions. The rate of return on investments after tax is assumed at 5% pursuant to 2013 statistics.
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LendingTree, LLC NMLS Unique Identifier #1136; AL Mortgage Brokers License #8694;
AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker License #0902469;
AR Mortgage Broker License #24441; CA Department of Financial Protection & Innovation, CA Financing Law License #6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate, NMLS ID #1136; CT Mortgage Broker License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; CT Small Loan Company License #SLC-1136; DE Broker License #010996; DC Mortgage Broker License #MLB1136; FL Mortgage Broker License #MBR1298; GA Mortgage Broker/Processor License/Registration #12989; HI Mortgage Loan Originator Company License #HI-1136; ID Mortgage Broker/Lender License #MBL-893; IL Residential Mortgage License #MB.0005433; IN-SOS Loan Broker License #1136; IA Mortgage Broker License #741; KS Mortgage Company License #MC.0002279; KY Mortgage Broker License #MB17994; LA Residential Mortgage Lending License #189; ME Loan Broker License #1136; MD Mortgage Lender License #1136; MA Mortgage Broker License #MB1136 – LendingTree arranges but does not make loans; MA Small Loan Company License #SL0533; MI 1st Mortgage Broker License #FL0016258, 2nd Mortgage Broker Registrant #SR0016259; MN Residential Mortgage Originator License #MN-MO-40127258; MS Mortgage Broker License #1136; MO Mortgage Company License #1136, NMLS #1136, 4509 Lemay Ferry Rd., St. Louis, MO 63129; MT Mortgage Broker License #1097; NE Mortgage Banker License #1517; NV Mortgage Company License #1698, NV Bus. ID NV20051235630, Las Vegas Bus. License #P50-02291; NH Mortgage Broker License #1136MBR; NH Small Loan Lender License #1136SM; NJ Residential Mortgage Broker License #0801779 – LendingTree does not make mortgage loans or commitments or fund any mortgage loans; NM Mortgage Loan Company License #00395; NM Small Loan Company License #2048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 208974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Residential Mortgage Lender License #ML104625; ND Money Broker License #MB100817; OH Residential Mortgage Lending Act Certificate of Registration #RM.802159.000, 1210 Louden St. #2, Cincinnati, OH 45202; OK Mortgage Broker License #MB002490; OK Credit Services Organization License #CSO00394; OR Mortgage Lending License #ML-1862; OR Consumer Finance License #0420-001-C; PA Mortgage Broker License #20298; RI Loan Broker License #20062113LB; SC Mortgage Broker License #MB-0504600, SC Branch Location NMLS ID #234375; SD Foreign Corporation Entity #FL002607; SD Mortgage Brokerage License #1136.MB; TN Mortgage License #1136; TN Industrial Loan and Thrift Company Registration #1136; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 6300 Stonewood Dr, Ste. 406, Plano, TX 75024; UT DRE Mortgage Entity License #5489470-NMLC; VT Mortgage Broker License #0055 MB; VA Mortgage Broker License #MC-1052; WA Mortgage Broker License #MB-1136; WV Mortgage Broker License #MB-20020; WI Mortgage Broker License #2630BR; WY Mortgage Broker License #838. Licensing information last amended on 02-Apr-25.
Advertised Terms and Information
- The information and disclosures above relate to advertised terms made by or through LendingTree.
- Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
- LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
- You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
- FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.
https://www.lendingtree.com/auto/what-credit-score-is-needed-to-buy-a-car/
