What credit score lenders consider when determining the interest rates for a car loan?

We are looking for a new car in the coming months to buy. We looked at our ratings, and I saw that the three credit reporting agencies three different scores (723 716 693) had. Those who use credit providers to determine the interest rate on a car loan, score higher or lower, or take all three into account?

Funded car is more expensive because the insurance, it requires a full coverage.

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