---
id: faq-0004
title: "What does my credit score have to do with my loan terms?"
category: faq
subtopic: financing
page_type: faq
source_url: "https://www.castlecdjrchesterton.com"
tags: ["financing", "credit", "apr", "rates"]
questions:
  - "How does credit score affect my rate?"
  - "Will a better credit score get me a lower rate?"
  - "What's the connection between credit and APR?"
related: [faq-bad-credit, faq-financing-options]
dealer: Castle CDJR of Chesterton
---

Your credit score is one of the main factors lenders use to decide your interest rate (APR) and terms. Generally, a higher credit score often qualifies you for a lower interest rate, which means smaller monthly payments and less interest paid over time. Other factors-income, existing debt, down payment, and vehicle choice-also matter. Castle CDJR's Finance Department will work with lenders to find the best available terms for your profile. **Call (219) 250-9487 to get your personalized rate and terms.** You'll know exactly what to expect.