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What Does My Credit Score Need to Be In Order to Get a Mortgage? Car buyers’ best cost-saving move: shop for a loan first With the cost to own a new vehicle rising, it’s more important than ever to consider what you’ll pay for a car loan and to shop for the best interest rate. The average new car loan interest rate reached 5.5% in 2018, up about one percentage point from the previous year, according to Ben BartoschNow, a 500 credit score is pretty dismal, but many individual banks require higher-than-minimum credit scores for FHA financing that better suit their own risk appetite, such as a 600 credit score. So the minimum score is a bit deceiving, and your odds of getting approved with a 500 credit score are pretty slim.
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