Your credit score will be one of the largest factors in determining the annual percentage rate (APR).
In general, the higher your credit score, the lower the interest rate and APR. Individuals with excellent credit, which is defined as any credit score between 720 and 850, should expect to find rates around 10% to 14% and may qualify for lower rates.
Lenders may also consider other factors when evaluating your application, such as your income, work history, and existing debt.
For income and debt requirements, lenders will usually want to see proof that you have a steady and stable income (and sometimes a minimum income) as well as a reasonable debt-to-income ratio, which is anything under 40% to 45%.