Yes, you can get a car with a 600 credit score, but you should expect to pay a higher interest rate and have fewer lender options. A 600 score is considered subprime, meaning you're a higher-risk borrower in the eyes of lenders. While approval is possible, the key is to be prepared for the financial terms and to shop around strategically to avoid overpaying.
The most significant impact will be on your Annual Percentage Rate (APR). While borrowers with excellent credit (720+) might see rates around 5-7%, with a 600 score, your rate could easily be in the double digits. This dramatically increases the total cost of the car over the life of the loan.
| Credit Score Tier | Typical Used Car APR (Est.) | Monthly Payment on a $20,000 Loan (60 months) | Total Interest Paid |
|---|
| Super Prime (781-850) | 5.5% - 7.5% | $382 - $401 | $2,920 - $4,060 |
| Prime (661-780) | 7.5% - 10.5% | $401 - $430 | $4,060 - $5,800 |
| Non-Prime (601-660) | 10.5% - 15.5% | $430 - $481 | $5,800 - $8,860 |
| Subprime (501-600) | 15.5% - 20.5% | $481 - $538 | $8,860 - $12,280 |
| Deep Subprime (300-500) | 20.5%+ | $538+ | $12,280+ |
To improve your chances, consider a larger down payment. Putting down at least 20% shows the lender you're committed and reduces the amount they need to finance. Also, get pre-qualified from multiple sources—credit unions, online lenders, and "buy-here, pay-here" dealerships (though be cautious of their very high rates). Finally, focus on a car that fits a realistic budget, not the maximum you're approved for. The goal is to secure transportation while working to improve your credit for a future refinance.
