What APR can I expect on a car loan with a 600 credit score?

With a 600 credit score, you're typically looking at APR ranges of 10% to 18%, though some lenders may go higher or lower depending on other factors. A 600 score is considered poor by most lenders, so the rate reflects the perceived risk. However, the actual APR you receive depends on more than just your score—lenders also look at your income, employment history, down payment amount, the vehicle's age and value, and whether you have a cosigner. Someone with a 600 score and stable income might get approved at 12%, while another applicant with the same score but spotty employment could face 16% or higher. The difference between a 10% and 18% APR is substantial over a loan term. On a $15,000 loan over 60 months, that's roughly $1,600 more in interest. Many lenders in the subprime space (those who work with lower credit scores) use tiered pricing, so even small improvements to your application—like a larger down payment or a cosigner—can move you into a better rate band. If you're in South Florida and want to explore what rates you might actually qualify for, Elite Edge works with multiple lenders who specialize in approvals for lower credit scores. You can get a real sense of your options in about 60 seconds at eliteedgeautobroker.com/PreQualify, or reach out directly at (954) 907-2386 via WhatsApp, call, or text.

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