How do the FICO scores relate to car loans? I know this is dependent on where you go for a loan and who you get it from.. I plan on going to a credit union and obtaining a loan, but was wondering how the FICO relates. For example, is there a spread/chart on this? 650-660 -> XXX% 660-670 -> XXX% Also, where do they usually pull? Or does it vary completely based on the lender?