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

Yes, you can get a used car loan with a 600 credit score, though your options and rates will be more limited than someone with excellent credit. A 600 score typically falls into the "poor" or "fair" range depending on the scoring model, and lenders view it as higher risk. Most traditional banks won't touch it, but credit unions, buy-here-pay-here dealers, and subprime lenders (the ones who specialize in this) will work with you. Expect interest rates in the 12-18% range or higher, depending on your down payment, income stability, and the specific lender's appetite for risk at that score level. The real factors lenders care about beyond your score are: how stable your income is, whether you have a down payment (even $500-1000 helps), what you're buying (newer used cars are easier to finance than older ones), and whether anything recent damaged your score (a late payment last month hits harder than one from two years ago). If you have a cosigner with better credit, that opens more doors and typically lowers your rate. Start by getting honest about what monthly payment you can actually afford, then work backward from there. Elite Edge specializes in approvals for buyers in your exact situation—we shop multiple lenders who work with 600 scores and $0-down options, and you never pay us (dealers do). Take the free 60-second Pre-Qualify at eliteedgeautobroker.com/PreQualify or text (954) 907-2386 to see what real options exist for your specific income and situation.

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