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680 is solidly in prime territory for auto loans. You'll qualify for 0% down at most lenders and rates are genuinely competitive. This is where auto financing starts to feel affordable.
Our Top Picks for 680 Credit Score
Best Overall Rate
PenFed Credit Union
APR Range6.49% – 10.99%
Min. Credit Score610
Why we recommend it: PenFed's rates for 680 borrowers are among the best available anywhere — often 1–2% below what banks offer for the same score.
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Best for New Cars
Capital One Auto Navigator
APR Range6.99% – 11.99%
Min. Credit ScoreNone stated
Why we recommend it: Capital One's dealer network and pre-qualification tool make buying a new car seamless at 680.
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Lowest APR
Consumers Credit Union
APR Range6.24% – 10.99%
Min. Credit Score660
Why we recommend it: Consumers Credit Union consistently offers some of the lowest auto loan rates in the country for 680+ borrowers.
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Frequently Asked Questions
What APR can I get on a car loan with a 680 credit score?
680 borrowers typically qualify for 6–12% APR depending on the lender. Credit unions consistently offer the best rates. Shopping 3+ lenders is still recommended.
Is it worth waiting to improve my credit before buying a car at 680?
It depends on urgency. Improving from 680 to 720 could save 2–3% APR. On a $30,000 loan for 60 months, that's roughly $1,800–$2,700 in total interest savings.
Can I get approved for a luxury car with a 680 credit score?
Yes, most luxury car lenders approve at 680. However, the higher loan amount means the rate difference between 680 and 720 has a bigger dollar impact on luxury vehicles.