Start preparing
for your dream car

Whether you’re buying or leasing, your credit report and scores matter. And we've got the perfect, affordable solution for you!

Check Out Our Videos

Quick View Video

Get a glimpse of your 25 line item summary report and TransUnion® credit score along with Credit Factors to get an idea of your current situation.

Overview Video

Our Point Deduction Technology® analyzes your credit data to identify where the impacts are placed on your credit file. Watch and see what ScoreNavigator has to offer you as a Member.

Simulators Video

Our advanced Simulator technology eliminates the guesswork while providing an easy-to-understand roadmap on the best ways to maximize your credit reports and scores.

The 21st Century Auto Industry

If you need to finance a new or used vehicle, pay close attention to your credit score. Lenders use it to determine the rate you'll get on a loan or whether you'll get a loan at all. Those with higher scores generally receive the best rates, and finding the cheapest possible financing is becoming more important as the amount and length of auto loans continues to grow.

Your credit report determines not only the likelihood of whether you will be approved for an auto loan, but also the interest rate you will be charged. Experts recommend you check your credit report and score before refinancing your current auto or buying a new one, as they can be your most valuable tools when determining if you meet the requirements for a new auto loan. Use the form to the right to see if you qualify for a new auto loan now.



Start working with ScoreNavigator Auto where you are provided detailed steps on how to maximize your credit scores.


Quickly access all of the tools and resources you need to optimize your credit score. Provided with Short and Long Term Recommendations.

Full Credit File

Access to TransUnion, or all 3 Bureaus together to see detailed information through Point Deduction Technology® that could be impacting your score.


The Target Score Simulator, Money Simulator, and Manual Simulator arm you with step-by-step actions to help you achieve your optimal credit score. You will also be provided the best day to have your credit pulled for financing.

Credit Coaching

An ever-growing online library of educational materials to help you improve and manage your credit.

Financial Tools

Take hold of your finances with an in depth financial analysis, budgeting programs and calculators. You will be provided with instructions on how to set up and maintain a healthy financial lifestyle.

Credit & Financial Support

Full Credit and Financial Support with detailed Frequently Asked Questions and Answers.

Credit Monitoring & Alerts

Receive Credit Bureau and System Alerts via email and in your online Member's Portal as they happen.

Identity Theft Protection

Monitor your credit for Identity Theft 24/7 via your Member's Portal.

Point Deduction Technology®

Our Point Deduction Technology® analyzes your credit data to identify where the impacts are placed on your credit file.

Tips Before Applying for an Auto Loan

  • Know your credit. The better your credit, the higher your chances of securing the best rate and terms.
  • Don't change jobs. When qualifying for a loan, lenders look at your last two years of employment as well as your income. It's best to avoid switching jobs or gaps in employment.
Average Car Loan Rates by Credit Score
Credit Score Range New Car Loan Used Car Loan
Super Prime: 781 to 850 2.6 percent 3.4 percent
Prime: 661 to 780 3.59 percent 5.12 percent
Nonprime: 601 to 660 6.39 percent 9.47 percent
Subprime: 501 to 600 10.65 percent 15.72 percent
Deep Subprime: 300 to 500 13.53 percent 18.98 percent


Satified Customer

When I first started using ScoreNavigator, I was at a point in my life where I wasn’t doing the best financially. I was ready to tank my credit in order to help me get a few things I needed to keep working. After speaking with Joy, she convinced me that it was a bad idea and that I could go about things a different way. I signed up with ScoreNavigator and was able to key in on the things I needed to work on to improve quickly. As I followed the recommendations from the simulators, over time, my credit scores went from the low 600’s to mid 700’s. I was then able to get a brand new Tacoma, a nice apartment, and about 30k in available credit. I’m so glad I decided to take the time to work on my credit as opposed to giving up and being in a worst position. I’ve recommended ScoreNavigator to several friends and am happy to see that they, too, are improving their financial situations.

Dave K.

Satisfied Customer

I've had a great experience with this company; started off with horrible credit a few months ago. Yesterday I walked into a car dealership and went home with my dream car. Yes they financed me! Thanks ScoreNavigator!!!

Rob M.