---
id: faq-0009
title: "What's required to get approved for a car loan?"
category: faq
subtopic: financing
page_type: faq
source_url: "https://www.castlesubarumchenry.com"
tags: ["finance", "approval", "credit", "requirements"]
questions:
  - "What do I need to get approved for a car loan?"
  - "What credit score do I need?"
  - "Will I get approved for a car loan?"
  - "What are the requirements for car financing?"
related: [credit-requirements, proof-of-income, down-payment-guide]
dealer: Castle Subaru McHenry
---

Car loan approval depends on several factors:

- **Credit score**: most lenders prefer 620+, but some programs work with lower scores
- **Income**: proof of steady employment or income source
- **Debt-to-income ratio**: lenders want to see you're not overextended
- **Down payment**: a larger down payment strengthens your application
- **Vehicle choice**: age, mileage, and market value matter

The good news: Castle Subaru McHenry works with multiple lenders, so even if your credit is less-than-perfect, there are often options. Bad credit, no credit, recent bankruptcy-our Finance team has seen it all and knows programs that help.

Ready to explore your approval chances? **Call (779) 601-0797** with basic info (income, credit range if known, vehicle interest), and our team will give you honest guidance.