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660 puts you at the edge of prime territory. Most lenders will compete for your business and you may qualify for 0% down at some credit unions. Rates are becoming genuinely affordable.
Our Top Picks for 660 Credit Score
Best Rate at 660
PenFed Credit Union
APR Range7.49% – 12.99%
Min. Credit Score610
Why we recommend it: PenFed offers some of the lowest auto loan rates in the country and 660 borrowers typically qualify for their better rate tiers.
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Best for Convenience
Capital One Auto Navigator
APR Range7.99% – 13.99%
Min. Credit ScoreNone stated
Why we recommend it: Capital One's seamless pre-qualification and dealer network make it the most convenient option for 660 borrowers.
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Best for Refinancing
AutoPay
APR Range7.49% – 13.49%
Min. Credit Score580
Why we recommend it: If you financed at a higher rate previously, 660 is a great score to refinance with AutoPay and potentially save hundreds per year.
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Frequently Asked Questions
Is 660 a good credit score for a car loan?
660 is at the lower end of good credit. You'll qualify for most lenders and rates are meaningfully better than fair credit. Expect 7–14% APR depending on the lender and vehicle.
What's the difference in monthly payment between 640 and 660 credit for an auto loan?
On a $25,000 loan for 60 months, 640 credit at 12% APR costs $556/month. At 660 with 8% APR, it drops to $507/month — saving $49/month or $2,940 over the loan term.
Can I get 0% financing with a 660 credit score?
0% dealer financing typically requires 720+. However, credit unions sometimes offer very low rates (2–4%) for 660 borrowers on new vehicles during promotional periods.