Can I Get a Car With Bad Credit in Florida?

Yes — bad credit car loans are available in Florida. Learn how lenders evaluate your application, what income and down payment you need, and how to improve your approval odds.

Written by Dustin, General Sales Manager at Lee Auto Group Tampa, FL. About Dustin · All Articles · Get Pre-Approved

Call or text Dustin directly at (813) 727-7168. Visit Lee Auto Group at 4027 S 50th St, Tampa, FL 33619.

Frequently Asked Questions

What is the minimum credit score for a car loan in Florida?

There's no hard minimum — subprime lenders approve buyers in the 400s and 500s regularly. However, below 500 typically requires a larger down payment and verifiable income.

Can I get a car loan with a repo on my record?

Yes. Some lenders specialize in post-repo approvals. Key factors are how recent the repo was, your current income, and your down payment amount.

How much down payment do I need with bad credit?

A general rule is $1,000 minimum, but $2,000–$3,000 significantly improves your approval odds and helps secure a lower payment.