Lenders that work with sub-620 credit.
A credit score below 620 narrows your options but doesn't eliminate them. Credit unions and certain online lenders specialize in sub-620 auto loans, usually with higher rates and stricter down-payment requirements. Compare the options below — pre-qualifying with two or three usually finds the best deal.
Editorial review of Alpha Lending is in progress. Final scoring and methodology notes ship with the next content release.
APR
5.99%–24.99% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
580+ credit
Editorial review of Beta Financial is in progress. Final scoring and methodology notes ship with the next content release.
APR
6.24%–24.49% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
600+ credit
Editorial review of Gamma Bank is in progress. Final scoring and methodology notes ship with the next content release.
APR
6.49%–23.99% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
620+ credit
Editorial review of Delta CU is in progress. Final scoring and methodology notes ship with the next content release.
APR
6.74%–23.49% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
640+ credit
Editorial review of Epsilon Direct is in progress. Final scoring and methodology notes ship with the next content release.
APR
6.99%–22.99% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
580+ credit
Editorial review of Zeta Capital is in progress. Final scoring and methodology notes ship with the next content release.
APR
7.24%–22.49% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
600+ credit
Editorial review of Eta Lending is in progress. Final scoring and methodology notes ship with the next content release.
APR
7.49%–21.99% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
620+ credit
Editorial review of Theta Loans is in progress. Final scoring and methodology notes ship with the next content release.
APR
7.74%–21.49% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
640+ credit
Editorial review of Iota Mortgage is in progress. Final scoring and methodology notes ship with the next content release.
APR
7.99%–20.99% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
580+ credit
Editorial review of Kappa Trust is in progress. Final scoring and methodology notes ship with the next content release.
APR
8.24%–20.49% APR
Loan amount
$1,000 to $100,000
Term
12–84 mo
Min credit
600+ credit
Editorial review of Alpha Lending is in progress. Final scoring and methodology notes ship with the next content release.