My Credit Score Affect The Test Drive?
Written by Beatriz Berbet

2 min read • Published August 22, 22

Do car dealers run a credit check before giving you a test drive? The answer is often yes because they want to ensure that their potential customers have good credit and can pay for what they’re buying. However, it’s important to remember that a credit score doesn’t necessarily determine your ability to afford an expensive purchase like a new vehicle.

How Does A Credit Score Affect Car Test Drives?

Lenders use credit scores to determine borrowers’ eligibility for mortgages, car loans, and other types of credit. Your credit score is based on your credit history, which includes the payments you have made on your debts and the outstanding balances on those debts.

A high credit score could mean you are a low-risk borrower and receive favorable car loans or mortgage terms. A low credit score could make it challenging to secure a loan or to get a lower interest rate on a car loan. In some cases, companies that offer car lease or rental agreements may require applicants to have a good credit score.

My Credit Score Affect The Test Drive?

Cars Test Drive Process

When you go to car dealerships, one of the first things you will ask is your credit score. Car dealerships are looking for ways to determine if you can afford a particular car and how likely you are to make payments on that car. Your credit score is a number that lenders use to determine your borrowing capacity and your credit worthiness. However, your credit score won’t affect the test drive process.

What do dealers look for in a test drive?

Dealers look for a good driving record and a low credit score when considering someone for a test drive. A good driving record shows that the applicant has been responsible for their car and driving habits. A low credit score means less debt is attached to the credit report, meaning there is less risk of the purchase being declined.

Other effects on test drives

Test drives can affect your credit score if you apply for a car loan or credit card. For example, if you take out a car loan to buy a car, your credit score will be based on the amount of the loan and the terms of the loan. A good credit score is essential for getting approved for a car loan or credit card. You can also lose points on your credit score if you don’t pay your bills on time. If you’re applying for a car loan or credit card, make sure that you tell the lender about any test drives that you’ve taken.

Beatriz Berbet

Marketing & Social Media Intern

As a Marketing and Social Media intern, Beatriz takes care of social networks and is responsible for making people know more about Savings.Club on the internet. When she's not working or at university, you'll find her with a book and a glass of wine.