The ability of an individual to borrow money, which is based on their financial history’s depth (the oldest loan), breadth (how many loans and credit accounts), high credit (the largest loan he or she has had experience with), and performance (if the has individual paid on time, and if he or she hasn’t, the severity of the delinquency which may include judgments and liens).  Most lenders offering car loans will want to see someone with credit history of at least 3 years, and a high credit of at least $5,000.  The other areas reviewed for most auto loans are employment (income and time on the job), and down payment (the more the better for credit).