What Credit Score Do You Need to Buy a Car in the Twin Cities?

Address: CarHop of Twin Cities – 5417 Lakeland Ave N, Crystal, MN 55429

If you’re shopping for a car in the Twin Cities and worried about your credit score, you’re not alone. Many drivers assume they need perfect credit to get approved, but that’s not always the case. At CarHop of Twin Cities, we specialize in helping people with bad credit, no credit, or limited credit history get into reliable vehicles.

Understanding Credit Scores

Credit scores typically range from 300 to 850, and lenders use them to assess your ability to repay a loan. Here’s a general breakdown:

• Excellent (750+) – Best rates and easiest approvals
• Good (700–749) – Competitive rates and solid approval odds
• Fair (650–699) – May qualify with higher interest rates
• Poor (600–649) – Limited options, higher rates
• Very Poor (<600) – Often denied by traditional lenders

But here’s the good news: CarHop doesn’t rely solely on your credit score.

CarHop’s Approach to Financing

At CarHop of Twin Cities, we offer in-house financing — which means we look at your current financial situation, not just your credit history. We consider:

• Your income and ability to make payments
• Your employment status
• Your living situation
• Your overall financial stability

This allows us to approve customers who might be turned away by traditional dealerships.

Can You Buy a Car with Bad Credit?

Yes! Many of our customers come to us after being denied elsewhere. We work with you to find a financing plan that fits your budget and helps you move forward.

Why Twin Cities Drivers Choose CarHop

CarHop of Twin Cities is known for helping people who’ve been turned away by traditional dealerships. We offer:

• A wide selection of inspected used vehicles
• Flexible financing options
• 18 Month or 18,000 Mile Limited Warranty* and Satisfaction Guarantee**  
• Friendly, judgment-free service

*See dealer for copy of limited warranty. 

** Within 7 days of purchase get a full refund of 

payments made or apply payments to purchase 

another vehicle of similar value. Restrictions apply. 

See dealer for details.