By Adam Jusko, ProudMoney.com, adam@proudmoney.com

A 650 credit score puts you in the “fair credit” or “average credit” or “non-prime/near-prime” zone, meaning you’re definitely not going to get the best interest rates on an auto loan. But you won’t get the worst interest rates, either.

Interest rates on car loans vary with the condition of the overall economy, so the answer to what interest rate you’ll get with your 650 credit score is not fixed in time. The rate you’d be able to get today could be very different a year from now (or from this time last year).

• The rate you can expect on an auto loan with a 650 score in late 2020/early 2021 is around 6.51% for new cars and 10.13% for used cars.*