You will definitely find a 680 credit score car loan here, and once you get into the process you will find the average APR for that CS (credit score).

Find the best car loan and interest for you CS is one thing but deciding when and where to make that move is another.

We advise you to have a budget and timeframe in mind so that you are ready when the right opportunity presents itself.

Also, you can improve your CS with the intention of being quoted a lower interest rate. 

Related: Raise Your Credit Score 30 Points 

What Is A 680 Credit Score? Is it Good or Bad?

Having a 680 credit score you are amongst 21% of American consumers in the Good CS range. It is literally a good score, but it is not the best.

Actually, it's two levels and 180 points away from what is deemed an Excellent or Exceptional score.  Here are the FICO Score levels:

  • Very Poor: 300-579
  • Fair: 580-669
  • Good or Prime: 670-739 (you are here)
  • Very Good: 740-700
  • Exceptional: 800-850

You are right in the middle of the bunch, so as you can imagine you will have options but they are limited.


Remember that the credit bureaus have these scores so that lenders can properly evaluate and asses risks based on your credit report.

In general, your score lets creditors know if there are any red flags they should take into account before letting you borrow money. 

For example: “Late payments (past due 30 days) appear in the credit reports of 36% of people with FICO® Scores of 680.”- Experian

If you fall into this group, that is would be a red flag.

Still, you are in an OK position.

Related: What The Minimum Credit Score To Buy A Car 

What Are The Best 680 credit score car loan interest rates?

Let’s begin by clearing the air, only people with Excellent credit will get the famously advertised 1 or 2 percent interest rates. 

You are in a good position to qualify for a prime car, motorcycle, truck loan or boat loans with a reasonable APR from traditional and online lenders. 

Traditional lenders like, banks and credit unions.

Best rates are given to drivers who buy a new car with auto financing rates close behind.

The best APR is still relative to your situation, it will not be the same for everyone but we can estimate best on industry averages.

Here are some Auto Loan Rates averages from May 2020 :

Credit Score




450 or Lower















750 or Higher




Get An Auto Loan Offer Today At!

What are Used car loan rates 680 credit score?

There are few new car facts stated above that coincide with how you will be quoted for a new ride.   

You will be able to get financing for a used car with a Good or Prime credit score

No matter the AVE APR, you may spend less over the course of the loan because used cars tend to cost less than a new car. 

See the "Auto Loan Application"

How to Get A Better FICO Score For A Lower Auto Interest Rate

We wrote on getting a 680 credit score car loan. Now we’re going to discuss how you can increase your CS 100 points for a lower interest rate. 

First of all, you have to look over your credit report for error, inaccuracies, and all incorrect information. From there you need to write dispute letters or you can find a credit repair service to do that for you.

Want Help Removing Items Off Your Credit Report?

A credit repair service can save you a bunch of time, offer other credit-related services and will help you track your process.

Then you want to add positive credit information. 

You can tap into a few things that can help you lower your credit to debt ratio (Credit Utilization Ratio). You will want to aim for below 30%, but preferably 10%:

Get Free Consultation From These Credit Repair Companies 

Related: how to raise credit score by 200 points

Good Luck Moving Forward

Moving forward, the name of the game is “take action”. Apply for a car loan online, check out all your financing options and make a move. 

If you decided to improve your credit score before applying for a car loan with 680 credit score, take advantage of a free consultation from credit repair services.

James Willaims

Hey There, James here. I am the co-founder and editor of this site. I have over 10 years experience in business and 5 in the credit repair world

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