<prompt> Human: What are the requirements for those super low interest dates? Is 800 still not good enough? Ive always wondered how good is good according to a car dealership or a home improvement loan, etc. Should a company be able to provide written proof of a scale showing what score gets what rate if requested?  <response>: You have to shop for loan rates, excellent credit will only get you the best rates given by a specific loan agreement. Some contractors use loans that are flat rates good for the poor credit holder, bad for the population with great credit etc. for instance, my parents had a complete redo of their plumbing system, it was unexpected and cost twenty grand - they have great credit and own their home outright. The contractor had an in house loan rate of 14.99 percent for everyone if you had decent enough credit to apply!? I had to tell them to put the brakes on that and go to their credit union for a direct loan with a rate slightly over 3. If you have excellent credit you can get an appropriately scaled loan for anything you need via the correct channels. 