To buy a car, you have financing options. If you are paying cash, your credit score won’t matter. If your credit score is under 620, you’ll be subject to subprime rates, typically between 17% to 22%. Ideally, you have a credit score of 720 or above, which will get you the best interest rate. With this credit score, typically, new cars will be between 0% to 5% and used cars will be between 1.99% to 6.99%.