There is no single FICO score that car dealers use when evaluating loan applications. Instead, dealerships and lenders may use different credit scoring models or versions, depending on their preferences and the credit bureau they use to obtain your credit report.
However, the most commonly used credit scoring models in the auto industry are FICO Auto Score versions, which are specifically designed to predict the likelihood of a borrower defaulting on an auto loan. These scores may differ from the standard FICO score that is used for other types of credit.
The FICO Auto Score versions range from 250 to 900, with higher scores indicating a lower risk of default. Lenders typically set their own cutoff scores for loan approval, but a score of 660 or higher is generally considered a good credit score for a car loan.