Buying A Car With 600 Credit Score -

Interest rates are significantly higher for scores near 600 compared to "Prime" borrowers. According to recent data from CNBC and NerdWallet , here is what you can expect as of April 2026: Vehicle Type Score Range: Nonprime (601–660) Score Range: Subprime (501–600) ~9.57% APR ~13.17% APR Used Car ~14.49% APR ~19.42% APR

: Personal loan limits for scores around 600 typically average between $1,800 and $4,500, though specialized auto lenders may offer more for a vehicle purchase [17]. buying a car with 600 credit score

: Credit unions often offer more competitive rates than traditional big banks for subprime borrowers [13]. Interest rates are significantly higher for scores near

To improve your chances and potentially lower your rate, consider these steps recommended by Bankrate and Starling GMC : To improve your chances and potentially lower your

: A borrower with a score in the 500s–600 might pay over $11,000 in interest on a $20,000 used car loan, nearly double what a prime borrower would pay [7]. 2. Loan Approval Odds & Limits

: Lenders will heavily weigh your proof of income and employment history when your score is in the fair range [4, 8].

: Moving from "Subprime" (under 600) to "Nonprime" (601+) can drop your used car APR by roughly 5% [15].