Aracar Score™
Finally a credit score you can understand.
We remove the bias inherent in traditional lending models bringing fairness and access to vehicle ownership.
Great
Very good
Good
Regular
Need to improve
What is the Aracar Score™?
Why is the Aracar Score different to any other Bank’s Score?
We approve many more people than banks do because we customize your loan to your personal situation. Our score is based on your risk for loans for cars and homes. We care about your willingness to pay, your ability to pay and fit you to a loan that you can afford.
How can someone improve their Aracar Score?
Your Aracar score will always improve as long as you remain current on your loan with us. Pay a cable bill late, don't worry, your Aracar Score will not be impacted. Your score will improve one letter each year as long as your loan payments are completed on time.
What is the benefit of a car loan from Aracar?
As long as you make all your payments, you will always have credit with Aracar for another loan regardless of your other debts. The longer you work with us, the better the loan terms you will receive in the future.
How do I get a car loan if my Aracar Score is really bad?
Even consumers with a poor score can enter our car savings plan to build their credit score and then receive a car loan.