Buying a Car with Low Credit: A Practical Guide Buying a car with low credit is possible, though it requires strategic planning to manage higher costs. Lenders typically view scores below as "poor" or "deep subprime". 1. Know Your Starting Point

: These institutions often have more flexible lending criteria than traditional banks.

: Some automakers have specific tiers for subprime borrowers: Hyundai : May finance scores below 580 . Kia : Offers financing for scores starting around 620 .