Imagine , a freelance graphic designer whose credit score took a hit a few years ago after some medical bills went to collections. Now, Alex's score sits at exactly 600 , which falls into the "Fair" or "Subprime" category. Alex needs a reliable used car to get to client meetings. 1. The Initial Reality Check
Instead of giving up, Alex follows expert advice to shop around. LendingClub
LendingClub offers an auto loan refinancing option for good-credit borrowers. LendingClub Carvana Co.
Yes, you absolutely can buy a car with a 600 credit score , though the process often involves navigating higher interest rates and more stringent loan requirements. The Story of a "Fair Credit" Car Purchase
Alex first visits a major dealership, hoping for a low-interest promotional offer. The finance manager explains that 0% APR deals are usually reserved for scores above 700. With a 600 score, Alex is looking at , which for a used car in April 2026, average around 19.42% . 2. Broadening the Search