Answer: -Generally speaking your FICO score is between 300-850 with 620 being considered good enough to get a lower interest rate. Different sources score somewhat differently. When buying a car do not settle for the sticker price. Try to get 1-2 thousand knocked off. If at all possible, try to finance for no more than 2 years. This is difficult for most people. By doing so you will save thousands in interest on the loan. Do not tell the dealer how much money you have as a down payment initially. Mention that there is another car at another dealership that has offered you a better deal. (Sometimes it's just a game of BS) and I don't know why. It's just a matter of how high a profit the dealer makes.Don't be discouraged. If they won't budge, go somewhere else. Try to dress nice. It seems to make a difference on how you are treated. Good luck and never let them pressure you into any deal you are not comfortable with. -If you have a score below 600 you are going to get a higher interest rate. You will also have no power to bargin with. And also they will want a down payment. If you cannot afford the down payment they will add it into the sale price of the car. Also make sure that you go to atleast 3 different places before you buy even if you found the right car. You will learn as you go from one to the next.