There is no universal minimum
Prime lenders want higher scores, but second-chance and subprime lenders approve buyers across the board — including no-credit and sub-600 scores. Your score sets your rate more than whether you can get approved at all.
What the ranges mean
Roughly: 720+ gets the best rates, 660–719 good, 600–659 fair, below 600 subprime. Lower ranges mean higher rates, but approval is very much on the table with the right lender.
Income can outweigh the score
For many lenders, steady provable income and stability can carry an approval even when the score is low. That is why "what score do I need" is the wrong question — "which lender fits my whole profile" is the right one.
Find your fit
Elite Edge Auto Broker matches your full profile — score, income, situation — to the lender most likely to approve you at the best available rate.
Ready to see what you qualify for?
Elite Edge Auto Broker gets South Florida buyers approved — bad credit, no credit, ITIN, no SSN, $0-down options — at below-dealer pricing.
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Frequently asked questions
Can I buy a car with a 500 credit score?
Yes — subprime lenders approve buyers in that range based on income and stability.
What score gets the best car rate?
Generally 720 and above, but many buyers still get financed far below that.
Does income matter more than score?
For many second-chance lenders, steady income weighs heavily alongside the score.
Related guides
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