: Average APRs for deep subprime used car loans can reach 20% or higher. 2. Strengthen Your Application

You can offset a low credit score by making yourself a less "risky" borrower to lenders. Everything You Need to Know About Subprime Auto Loans

Before visiting a dealership, pull your credit report from AnnualCreditReport.com.

: Look for incorrect late payments or accounts that aren't yours. Disputing these can provide an immediate lift to your score.