If there is a borrower and a co-borrower on the loan, then lenders would use the lower of the two borrowers median credit scores for qualification (ex. Borrower has credit scores of 701, 698 and 644 and co-borrower has credit scores of 698, 677 and 622, we would have to use the 677 median credit score of the co-borrower for qualification as it.
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The interest rate on the car loan with 644 credit score is 8.5498%, your monthly payment will be $789.77. The total paid amount will be $28431.56. However, when you increase your 644 FICO score by 50 points, the APR will be lower.
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People with 644 credit score generally can get approved for a car loan as long as they have steady income that they can prove or if they have a co-signer. With either of these two options, they’re able to go in and obtain the vehicle of their choice depending on how much they were approved for, given their income history.