---
id: faq-0005
title: "What credit score do I need to finance a car?"
category: faq
subtopic: financing
page_type: faq
source_url: "https://www.castlevwcars.com"
tags: ["financing", "credit-score", "loan-approval"]
questions:
  - "Do I need good credit?"
  - "What if my credit isn't perfect?"
  - "Can I get a loan with bad credit?"
related: [financing-faq, pre-approval, loan-terms]
dealer: Castle Volkswagen of Schaumburg
---

We work with buyers at all credit levels. While a higher credit score often means better interest rates, that doesn't mean you're out of luck if yours is lower. Lenders consider many factors: income, employment history, down payment, and debt-to-income ratio all matter too. Some of our finance partners specialize in working with folks rebuilding credit. The best approach is to talk directly with our finance team-they know what programs are available and can give you honest guidance on what rates you might qualify for. Call (847) 593-4700 or visit castlevwcars.com to get the conversation started. We're here to help you find a path forward, whatever your credit situation.