FICO® Auto Score
See Risk Clearly. Fund Confidently. FICO® Scores Open Doors for growth in your business.
Sharpen Decisions and Grow Confidently
FICO® Auto Score 10 is our latest credit scoring engine built to meet this moment — purpose-built for auto, trusted at scale, and proven to boost accuracy right where it counts.
Built for Auto
Designed for speed, sharper on thin files, and optimized for quick-turn lending decisions. Just faster, smarter approvals — with the precision auto lenders need.Trusted at Scale
FICO® Auto Score 10 powers consistent decisions for lenders to accelerate approvals, reduce friction, and improve close rates.Clarity Where It Counts
Gain sharper visibility where defaults are hard to predict and costly to misjudge.
Why It Works
Today’s auto lending landscape is faster, riskier, and more competitive than ever. That’s why it's important to make sure you’re using the most powerful and predictive score in the market.
Validated increases of up to +2.5 KS lift in critical score bands and borrower segments.
Confidently evaluates new-to-credit borrowers with sharper signals and more accurate risk separation.
Designed with audit-readiness in mind. Consistent reason codes and transparent logic lenders can stand behind.
Expert support to assess impact and move forward with confidence. Score range and rules align with prior versions.
Same reason codes. Minimal disruption, immediate results.
“The implementation of FICO Auto Score 10 is a game-changer for our risk and sales teams. It empowers us to make faster, more predictive credit decisions and has already accelerated our loan approval rates. We’re especially excited by the early improvements in predicting future delinquency, particularly for thin-file and bankruptcy-prone segments.”
Steven Zandpour Executive Vice President, Head of Consumer and Business Banking, Associated Bank
Ready to Move Forward?
FICO® Auto Score 10 gives you the precision to say “yes” faster — without compromising on compliance or control.