The info in your credit report comprises your FICO rating

FICO Scores are normally taken for a reduced of 300 to a higher of 850. The greater your rating, the greater your likelihood of qualifying for the loan by having an interest rate that is low. Lenders look at a rating of 740 or more become exceptional.

Generally speaking, should your credit rating is low along with your credit file have missed or payments that are late you will probably spend an increased interest rate and APR. […]