What interest rate should I get with an over 620 credit score for a car loan?

http://www.myfico.com has sample rates on their main page. They say that a 620 to 659 score on a 36 month auto loan would be 10.692%

That's the national average, you can use the drop down menu to change states to get a better idea depending upon where you live.

Of course this is just hypothetical. You might get a better rate if you have more money down on the vehicle, or if you have a lot of income, etc. Your bank will probably give you the best rate, unless you've had an auto loan before. I say this because a friend of mine had excellent credit but had never had a car loan before, and all of the dealerships he visited wanted to give him a 11% interest loan. He went to his bank and got a loan for about 6%. So, shop around before you settle on a rate, you may find a better rate somewhere else.

What interest rate should I get with an over 620 credit score for a car loan?

No one here can tell you that.

Auto finance is what I do for a living and auto loans are based on the following factors;

1. LTV (loan to value).

2. Term.

3. Age of vehicle.

4. Miles on vehicle.

5. Down payment.

6. Time on job.

7. Time at residence.

8. Monthly income before taxes.

9. Credit score/profile.

10. Total debt to income ratio.

Without having all of this information and actually looking at your credit no one can answer this correctly.

What interest rate should I get with an over 620 credit score for a car loan?

I would go to eloan.com or lendingtree.comand get some quotes before you go to a dealership (and talk to someone like Spifiman) and try to get financed. That way, you know that no matter what rate the dealership quotes you, you have your own financing and know your best rate upfront.. As far as your specific question goes, there are too many variables than just your score in determining your rate.

What interest rate should I get with an over 620 credit score for a car loan?

Get a cash car and save the interest. It'll get better gas mileage if its not dragging a payment book behind it.

You can then take what would have been your payments in the bank.

No payments = cash in the bank

Of course the bankers on here and their loyal followers are gonna tell you to get a loan and make payments.

Debt free is the way to be!

Borrower is always slave to the lender. Always!

What interest rate should I get with an over 620 credit score for a car loan?

not very good.. you need to be above 720

What interest rate should I get with an over 620 credit score for a car loan?

Spifiman1 is correct.