What APR should I expect with bad credit?

Subprime borrowers (credit scores below 580) typically see APRs of 12–24% or higher depending on the lender.

Can I get an auto loan with a 500 credit score?

Yes, many dealers and credit unions offer subprime loans, though rates and fees will be higher.

Yes. A larger down payment lowers your loan-to-value ratio and can help you qualify for a better rate.

Estimate payments with higher APRs and understand subprime financing.

Estimate your monthly payment, total interest, and payoff date before you sign.

Monthly payment

—

Total paid over term

—

Total interest

—

Estimated payoff date

—

Estimates are for illustrative purposes only and are not a financing offer. Taxes, fees, and lender terms may vary.

Ready to lock in financing? Take our pre-qualification tool for a quicker approval.