Can I get a car loan with a 600 credit score?

Yes, you can get financed with a 600 credit score, though your options and rates will be narrower than someone with excellent credit. A 600 score typically falls into the "poor" or "fair" range depending on the scoring model, and many lenders view it as higher risk. That said, lenders who specialize in bad-credit auto loans do work with 600 scores regularly. Your actual approval odds depend on other factors beyond the score: income stability, employment history, down payment size, the vehicle price, and whether you have a cosigner. Dealers and lenders often pull your full credit report, not just the number, to see the story behind the score—late payments, collections, and credit utilization matter as much as the score itself. Expect higher interest rates than prime borrowers. With a 600 score, you might see rates in the 12-18% range or higher, depending on the lender and loan term. A larger down payment or a cosigner with better credit can improve your approval chances and sometimes lower the rate. Some lenders also require a shorter loan term (48-60 months instead of 72-84) to offset risk. The real challenge is finding a lender willing to work with your specific situation. Elite Edge shops multiple lenders for bad-credit buyers and handles approvals for 600-range scores regularly. You can start with the free 60-second Pre-Qualify at eliteedgeautobroker.com/PreQualify, or text/call (954) 907-2386 on WhatsApp to talk through your score, income, and down payment options.

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