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At 600, you have slightly more lender options than at 580. Rates are still high but improving. Focus on getting pre-qualified from multiple lenders to compare offers.
Our Top Picks for 600 Credit Score
Best for Pre-Qualification
Capital One Auto Navigator
APR Range12.99% – 24.99%
Min. Credit ScoreNone stated
Why we recommend it: Pre-qualify without a hard inquiry and see real rates before visiting a dealership. Works well for 600 score borrowers.
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Multiple Offers
myAutoloan
APR Range13.99% – 26.99%
Min. Credit Score575
Why we recommend it: Get up to 4 competing loan offers in minutes. The competition between lenders often results in better rates than going direct.
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Online Car Buying
Carvana Financing
APR Range14.99% – 27.99%
Min. Credit Score600
Why we recommend it: Carvana's integrated financing makes it easy to buy and finance in one place, with no-haggle pricing and 7-day return policy.
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Frequently Asked Questions
What APR can I expect with a 600 credit score for a car loan?
Expect APRs between 13–25% at 600. This is still in subprime territory, but meaningfully better than 580. Shopping multiple lenders is essential to find the best rate.
Will a co-signer help with a 600 credit score auto loan?
Yes, significantly. A co-signer with good credit (700+) can help you qualify for near-prime rates even at 600. The co-signer takes on equal responsibility for the debt.
How long should my auto loan term be at 600 credit?
Keep it as short as you can afford — 48 months or less. Longer terms lower monthly payments but dramatically increase total interest paid at high APRs.