Credit Score Needed for Used Car Loan near Minneapolis, MN

What credit score do I need for a used car loan near Minneapolis, MN? Most lenders require a minimum credit score around 600 for prime used car financing, but subprime auto loans open the door for scores as low as 300. Subprime auto lenders evaluate income, employment, and down payment alongside credit score, meaning Minneapolis, MN buyers with challenged credit still have real financing options in 2026.