You credit score has to be at least over 480 for an auto lender to look into financing you a car. Especially the way the economy is now you should have an easy time, you just might end up with a high interest rate though so be sure to shop around.
While 600 is not a great score it is good enough but it takes more than a good beacon score.It does not matter if you have an 800+ beacon score if your high charge is only $1000.00 no auto lender will finance you on a 20 or $30,000 vehicle if you have not paid off a loan of near half what you are trying to finance,in other words if you have paid off a $10,000 dollar loan in good standing it is very common for lenders to double your credit line to 20,000 provided you have the income to pay for the vehicle.Here are the 3 important things that the salesman and finance manager will look at before they approach a lender to buy your deal.(1)your beacon score(2)your high charge(3)how many accounts you have and how you paid them.Your paid and none paid accounts are rated 0-9.(0) means you paid it off early.(1) means you paid it off perfectly(2) means there were some minor delinquencies and it gets worse with the ascending numbers(9) means you did not pay the account and it was charged off.If your high charge and income are enough you can probably get financed through a primary lender.Good luck!! Preston