 TITLE: Do Credit Unions Offer Better Car Loans? CONTENT: What Credit Score Do I Need to Get a Car Loan With a Credit Union?\n------------------------------------------------------------------\nUsing the FICO® Score☉ credit scoring model, a credit score of 669 or less is considered fair or poor and can make it difficult to get a car loan from a bank or auto dealership. However, when you apply for a car loan from a credit union, a poor or fair credit score isn't necessarily a dealbreaker.\nAs member-owned nonprofits, credit unions can focus more on helping their members than on making a profit. That means they're usually more flexible than banks or car dealerships when it comes to approving loans. (Even at a credit union, however, a better credit score still translates into better loan terms.) END