The average American credit score is 678, but there is a range of credit scores that auto loan lenders will find acceptable. You can qualify for a auto loan with a low credit score, but you may need to seek alternative lending options to do so. In order to secure a auto loan with a traditional lender, you will need to be in the medium to low-risk credit range — this credit score range includes all scores more than 650.

Get a credit card with a high limit, keep the balance low and use the credit card to establish a credit history or boost a low credit score. Remember — the more available credit on a credit card, the better.

Insurance companies can use use drivers’ credit scores and personal credit score information to determine how much to charge for auto insurance rates.

The Toys R Us Credit Card is serviced by GE Capital Retail Bank for customers of both Toys R Us and Babies R Us. Card-members can gain rewards benefits for special offers and coupons redeemable at Toys R Us and Babies R Us stores. Online account management is available for 24-hour access to statements, payments, and balances.

Citi Free Credit Score is available if you’re a Citibank credit card holder, you can get access to your Equifax FICO score for free each month — just for having their credit card you qualify for the Citi Card free credit score.