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Complete Guide 5 min read

Puntajes de Crédito para Compras Mayores: Hipotecas, Préstamos de Auto y Más

¿Qué puntaje de crédito realmente necesitas? Una guía completa sobre los requisitos de puntajes para hipotecas, préstamos de auto, apartamentos y más.

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Preguntas Frecuentes

What's the minimum credit score for auto loan?

No universal minimum, but 661+ gets prime rates on 70% of financings. Sub-600 possible at 14%+ APR with down payment.

Do I need 700 for a credit score for mortgage?

Not always—FHA goes to 500-580, conventional 620+. 720+ unlocks best rates.

Can I get a car loan with 500 credit score?

Yes, 1.89% of 2025 loans went to sub-500. Expect 16%+ APR, 20%+ down.

How does credit score requirements differ for new vs. used cars?

New averages 730, used 675. Rates similar, but used slightly higher APRs across tiers.

What's a good credit score for apartment rental?

Many don't require one—just card limit for damages. Luxury? 650+ preferred.

How long to boost score for major purchase?

3-6 months for 50-100 points with perfect payments, low utilization. Use tools like Credit Booster AI for disputes.

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