当你申请汽车贷款时, one of the most important things you will need to keep an eye on is the interest rate. One thing you can do to help get great interest rates is to make sure you have a good credit score.

通过货比三家寻找最低的利率，观察你的信用评分, you can save hundreds if not thousands of dollars on your financing over the lifetime of your loan. Keep reading to learn how your credit score affects your auto loan interest rate.

利率如何与你的信用评分挂钩

你的信用评分与你能获得的利率有关. 你的信用评分越高，你锁定的利率就越低.

根据 益百利, 截至2020年第一季度, consumers with the best credit scores were landing prime interest rates of below 4% on new cars and an average of 4.29%购买二手车.

正如你从上面的图表中看到的, even a small difference in your credit score can make a big impact on the interest rate you receive and the monthly payment you will have to pay your lender.

如何提高你的信用评分

当你急需增加信用评分时, there are a few strategies you can implement to land a better interest rate. Below are some tested tricks to up your score, but you can also download our 信用评分指南 获取更多有用信息.

 偿还债务

One of the biggest factors that affect your credit score is your credit utilization. 消费者应以30%或更低的信贷利用率为目标, which means that your balances are not more than 30% of your available credit. 

If you can, pay off as much of your existing credit card balances as you can. Doing this can increase your credit score drastically in as little as a few weeks.

申请提高信用额度

Another way to improve your credit utilization ratio is by requesting a credit limit increase on all of your credit cards. 虽然你不能保证得到积极的回应，但尝试一下也无妨!

争议不准确信息

In some cases, your credit score can be affected by outdated or inaccurate information. Be sure to get a free credit report check each year in order to scan through your report and correct any wrong info. 

你应该能够对任何错误的延迟付款或错过付款提出异议, 集合, 以及可能会记录在案的判断. Sometimes, creditors will even remove late or missed payments as a courtesy.

避免申请新的债务

当你正在进行一项重大购买，比如汽车贷款的过程中, you'll want to avoid taking on any new debts or applying for any new credit cards. 每一次对你信用的严格调查都会影响你的信用评分, 增加新账户可能会进一步降低利率. 

You'll also want to avoid closing any old existing accounts while you wait for your auto loan to be finalized. Closing existing accounts can also impact your credit history and credit score.

全额付清余额

如果你有一点时间之前，你需要申请你的汽车贷款, a key way to improve your credit score is to pay off your balances in full each month. This means that whatever purchases and bills you charge to your credit card are paid off within 30 days or before you receive your next statement.

试试有担保的信用卡

当你有新的或未建立的信用, opening a secured credit card can be the perfect way to build up your credit report and improve your credit score. Secured credit cards work by holding a (refundable) deposit that you give to the lender in exchange for access to a line of credit.

考虑债务合并

If you are struggling to pay off your debts and are carrying balances on a variety of credit cards, taking out a debt consolidation loan or opening a new card and utilizing a balance transfer can be a very effective way to increase your credit score.

您的信用评分和汽车贷款:准备申请?

在Arbor Financial, our members benefit from low rates and fast approvals that save you money on your auto loan or refi. We can help you make sure your credit score and auto loan work together to get you the car of your dreams at the best price.

In addition to ensuring you get the best interest rate using the strategies above, 获得预先批准的汽车贷款将给你一个很大的优势.  Our auto loan pre-approval process is straightforward, and our team is here to help get you started.