Both but mostly credit score, which is why so many people get in a bind after they finance something. Car dealers are notorious for getting financing so if everything checks out even with a so-so credit score, you will get the financing. Car dealers have relationships with a portfolio of lenders. They want to sell cars and they know most people need credit regardless of history so there you go — drive off with that vehicle. Just be honest with yourself that you can afford not just the payments but insurance, etc.