---
id: guide-0023
title: "How can I buy a car while building or rebuilding my credit?"
category: guide
subtopic: credit-building
page_type: guide
source_url: "https://www.castlechevycars.com"
tags: ["credit", "financing", "first-time-buyer", "credit-building"]
questions:
  - "Can I get a car loan with bad credit?"
  - "What credit score do I need?"
  - "Do I need a co-signer?"
  - "What interest rate should I expect?"
related: [first-time-buyer, choosing-suv]
dealer: Castle Chevrolet of Villa Park
---

Buying a car while rebuilding credit is possible-and the right loan can actually help your credit score grow.

**Credit scores matter:** Lenders review your score to set interest rates and terms. Scores under 600 are risky to lenders; 600-700 is okay; 700+ is good. Even if yours is low, options exist.

**Strategies:** A larger down payment lowers lender risk and may improve your terms. A co-signer with good credit can help. Subprime lenders and credit-builder programs cater to rebuilders.

**The math:** Higher risk means higher interest rates, but making on-time payments builds your score over time. As it improves, you can refinance at better rates.

**Consider certified pre-owned:** Slightly used vehicles cost less, reducing your loan amount and interest expense.

**Let our Finance team help:** Castle Chevrolet of Villa Park works with multiple lenders, including those who specialize in credit-building. Call (630) 279-5200 to explore options, get a realistic rate quote, and start your credit journey in a vehicle you'll love.