Can I get an auto loan with a 600 credit score?

Yes, you can get an auto loan with a 600 credit score, though it will typically come with higher interest rates and stricter terms than someone with excellent credit. A 600 score falls into the "poor" or "fair" range depending on the scoring model, and most traditional banks won't touch it—but credit unions, buy-here-pay-here dealers, and subprime lenders absolutely work with scores in this range every day. The tradeoff is real: you might pay 12% to 18% APR or higher, need a larger down payment, or face a shorter loan term. Some lenders also require a cosigner or proof of stable income. What matters as much as your score is the story behind it. A 600 from a recent missed payment looks different to a lender than a 600 from old collections that are now paid. Lenders also look at income stability, employment history, debt-to-income ratio, and whether you have a down payment saved. If you've been working the same job for two years and can put down $2,000 or $3,000, your approval odds improve significantly. The key is shopping multiple lenders, not just applying everywhere at once (each application dings your score). Elite Edge does this legwork for you—we work with 40+ lenders who specialize in bad credit approvals and can often find better rates than you'd find solo. Start with the free 60-second Pre-Qualify at eliteedgeautobroker.com/PreQualify, or text/call (954) 907-2386 to talk through your situation.

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