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Yes, and it is one of the easier products to get approved for with poor credit, because the vehicle secures the loan. Most lenders in our network finance used vehicles for fair or poor credit and several specialize in it.
A down payment, a shorter term, and a less expensive vehicle. Proof of stable income matters more than the score itself, and a co-signer with good credit can move the rate materially. Applying with a realistic budget rather than the maximum you might qualify for also helps.
Compare both. Dealer financing is convenient and sometimes subsidised by the manufacturer, but subprime dealer arrangements can carry high rates buried in the payment. Arriving with an independent approval gives you a number to beat and lets you negotiate the vehicle price separately from the financing.
