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

Yes, you can get a car loan with a 600 credit score, though it will typically cost more than someone with excellent credit. A 600 score is considered poor by most lenders, but it's not a hard wall—many subprime lenders and credit unions actively work with borrowers in this range. You'll likely face a higher interest rate (often 12% to 18% or more depending on other factors), a larger down payment requirement, and possibly a shorter loan term. Some lenders may also require a cosigner or proof of stable income. What matters alongside your 600 score is your recent payment history, income, employment stability, and how much you can put down. If you've had recent late payments or collections, that's a bigger red flag than an older negative mark. Lenders also look at your debt-to-income ratio—if you already owe a lot relative to what you earn, approval becomes harder. The vehicle itself matters too; lenders prefer newer used cars or those with lower mileage because they're easier to repossess and resell if needed. The real cost of a 600 credit score is the interest you'll pay over the loan. On a $15,000 car at 15% for 60 months, you're paying roughly $5,000 in interest alone. That's why it's worth exploring whether you can improve your score before buying, or at least shop multiple lenders to find the best rate available to you. Elite Edge specializes in approvals for buyers with credit scores like yours. We shop multiple lenders and real dealer inventory to find you the best rate possible—you don't pay us, and the process takes about 60 seconds to start. Text or WhatsApp (954) 907-2386 or visit eliteedgeautobroker.com/PreQualify to see what you qualify for.

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