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What is the minimum FICO score needed to get a car loan at dealership as opposed buy here pay lot?

Dealership:

- Excellent credit: 720+

- Good credit: 690-719

- Fair credit: 630-689

- Poor credit: 580-629

- Bad credit: Below 580

Buy Here Pay Here (BHPH):

- Minimum credit score: Varies by dealership, typically 500-600

- No credit check option: Some BHPH dealerships offer loans with no credit check, but may require larger down payments and higher interest rates.

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