CarsDirect notes that an average, or good, credit score for a car loan is 680-739. An excellent credit score for a car loan is 740-850. A consumer whose credit score lands in the excellent range is eligible for the best interest rates available on a car loan.
According to CarsDirect, as of November 2013, consumers with excellent credit scores can receive an interest rate on a car loan at an average of 3.2 percent. Consumers with average credit scores can average an interest rate at about 4.5 percent. Consumers who have a sub-prime, or poor, credit score may only qualify for high-interest rate car loans, up to an average of 12.9 percent. A poor credit score is considered to be 680 and below.