Buying A Car With 600 Credit Score May 2026

: Credit unions often offer more competitive rates than traditional big banks for subprime borrowers [13].

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 buying a car with 600 credit score

: Approximately 16% of all auto loans go to borrowers with scores of 600 or below [19]. : Credit unions often offer more competitive rates