Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. Use this chart to see how your credit score compares: 700 + Excellent 680 to 699 Good 620 to 679 Average 580 to 619 Low 500 to 579 Bad A