What kind of auto loan do I get with a 685 score?

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Ask your nearest Auto Dealer and the Bank also.

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Auto finance is what I do for a living and you can not go by score alone.

Auto loans are based on the following factors;

1. LTV (loan to value).
2. Term.
3. Age of vehicle.
4. Miles on vehicle.
5. Down payment.
6. Time on job.
7. Time at residence.
8. Monthly income.
9. Credit score/profile.
10. Total debt to income ratio.

Depending on the above your rate could be anywhere from 0% to 14.95%.

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You’ll have to ask the lender you plan to use.

When I bought a car last December, at the dealership I used, the top tier (lowest) of interest rates were for 700+, second tier were for 600+. Your lender may or may not use the same criteria.

Low payment auto loans

Unless you buy one of those “special deals”, 0.00 down on a new car. A conventional loan will be about 6% for 2008 thru 2003. 2002 and down will be close to 9.5