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700 is a very good credit score. It means that you have a better than average payment history, no lates of any kind. With that score you can get approved for any line credit you want provided your income allows you to meet the required Debt To Income Ratios.
Furthermore, a score above 700 âusually reflects good credit management.â However, that âgoodâ score does not mean your credit is excellent. [Guide: Best Used Car Deals] Minimum Credit Score. We still have not answered the question at hand â whatâs the minimum credit score needed for a car loan? That answer depends on the individual lender.