How much does my Beacon score have to be in order to get a "no docs" or "0" percent loan for a new car? Mine is right at 650 now.
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"Doc" fees are not based on a Beacon score. They are fees charged by some dealerships for the paperwork involved. As far as the 0% there are many variables that can effect whether or not you can get it. If you were looking to purchase a Ford or Buick for instance, both GMAC and FMC will go by your tier level to see if you qualify for the special interest rate.
Tier levels are calculated with factors including your beacon(FICO) score, job time, residency history, debts, income, and how much money you are trying to borrow v/s the value of the car you are buying, among other things. It can be complicating, but even with a 650, you may be able to easily get a special 0% interest. I hope this helps!