 TITLE: How to Qualify for a 0% APR Car Loan CONTENT: How to Qualify for 0% Financing\n-------------------------------\nIt's possible to qualify for a car loan even if you have bad credit, but having a good credit score is important if you want to qualify for a low interest rate. And if you're hoping to score a 0% APR car loan, you'll likely need a very good or exceptional FICO® Score☉ , which means a score of 740 or above.\nBefore you start shopping for a new vehicle, take some time to check your credit score to see where you stand. Also, get your credit report from one or more of the national credit reporting agencies (Experian, TransUnion and Equifax) to see where you stand. You can get a free report once a year from each agency at AnnualCreditReport.com. Experian also offers a free credit report every 30 days on sign in.\nReview your credit report and make sure to file a dispute with the credit bureaus if you find anything you believe is inaccurate or the result of fraud. The bureaus investigate these potential discrepancies and will revise or remove them from your credit report if they find that they're inaccurate or fraudulent.\nAlso, take note of any actions you can take to improve your credit:\n*   Always pay your bills on time.\n*   Pay down your credit card balances.\n*   Avoid closing old credit cards.\n*   Apply for new credit only if you need it.\nIf you've made late payments or have other negative credit items on your report, it may take a while for your credit history to recover enough to qualify for a 0% APR car loan. If you don't need a car right away and can work on improving your score, you may qualify down the road. END