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What's the perfect credit score?

To ensure the best deal on any loan, aim for 780-plus on your FICO score. But, that's not always possible. Here are the minimum scores recommended by experts for the best rates on loans.

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Auto loan
Auto loan

EXPERT SAYS: "Almost anyone can get a car financed if they have some money to put down and show good evidence that they can pay off their loans," said Rex Johnson, founder of Lending Solutions Consulting. "But lenders don't want high risk, so once you drop below a score of 640 you're looking at rates around 12%, and if you get much lower, you could see rates of anywhere from 18% to 30%."

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Last updated August 25 2010: 5:41 PM ET
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