<prompt> Human: I am trying to help someone get financing on a new Ford. She is a first time buyer with very good credit. Credit score is 740, but she is young and has never had an auto loan before. What is reasonable to expect as a good interest-rate?  <response>: Ladies and Gentlemen,You have to get off this Credit score is everything kick that seems to pervade posts on here.Yesterday I was at one of my stores and we had a 720 that we could not get approved.720 from, you guessed it, 2 low limit credit cards, JUST started a new job, hasnt moved out of home yet.He will be making 140K a year but the banks basically laughed at his app.Meanwhile I have clients with 600 scores that have fantastic credit One guy has a thing for arbitrage, if he can make more on his money than hes paying in interest he finances it. 