Whether you’re buying or leasing, your credit report and scores matter. And we've got the perfect, affordable solution for you!
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.
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.
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.
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.
EnrollStart 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.
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.
An ever-growing online library of educational materials to help you improve and manage your credit.
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.
Full Credit and Financial Support with detailed Frequently Asked Questions and Answers.
Receive Credit Bureau and System Alerts via email and in your online Member's Portal as they happen.
Monitor your credit for Identity Theft 24/7 via your Member's Portal.
Our Point Deduction Technology® analyzes your credit data to identify where the impacts are placed on your credit file.
| 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 |
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.
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.
