---
id: faq-0006
title: "What should I know about my credit score before applying for a car loan?"
category: faq
subtopic: financing
page_type: faq
source_url: "https://www.castlechevynorth.com"
tags: ["financing", "credit", "credit-score", "application"]
questions:
  - "How does my credit score affect my loan?"
  - "Should I check my credit before applying?"
  - "What credit score do I need?"
  - "How can I improve my credit for a better rate?"
related: [finance-bad-credit, finance-rates, finance-preapproval]
dealer: Castle Chevrolet North
---

Your credit score is one of the main things lenders use to decide your rate and terms. A higher score usually means a lower interest rate and better loan conditions. Even a difference of 50 points can save you hundreds of dollars over the life of the loan.

Before you apply, it's smart to check your credit report for errors and get a rough sense of your score. You can get a free annual report at annualcreditreport.com. If your score is lower than you'd like, paying down existing debt or fixing errors can help.

Don't worry if your score isn't perfect-Castle Chevrolet North works with multiple lenders and many have programs for various credit situations. Call **(847) 439-0900** to discuss your specific score and learn what rates and terms you might qualify for.