Your credit score influences the rates that are available to you. Most lenders will not fully review your credit profile, instead they rely mostly on your credit score and some application information.
If you have a 750+ credit score, you will receive the best interest rates available, which can sometimes be as low as 0%! However, people with major credit problems can usually be approved for auto loans, but at very high rates. The best auto loan rates are generally offered by credit unions, and online lenders, not at the dealership.
When shopping for your loans, remember that you have a 30 day window where similar inquiries will be counted as one and only drop your score 5-15 points rather than multiple inquiries that will be 5-15 points each.
Educate yourself, monitor your credit, and stay within your means to get the most out of your auto loan.
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