Buy a New Car with Fair Credit

Top new cars for people with fair credit. Calculate loan payments on new cars with fair credit, December 2023 rebates, down payment, and trade equity or negative equity.

Buying a new car with fair credit can be challenging especially with negative equity. Calculations below are based on a credit score between 601 and 660, a maximum Loan to Value (LTV) of 120%, a 72 month loan term, the national average new car rate for fair credit of 8.99%, and a recommended down payment amount of $500. If applicable, all rebates are deducted from the loan amount. When the LTV exceeds the maximum LTV of 120% the estimated lender required approval down payment amount for a car loan with fair credit is displayed.

Best New Cars for Fair Credit

If you are in an upside down car loan and want to trade-in a car with negative equity for a new vehicle our calculator will estimate the down payment needed and how much negative equity a bank will finance on each vehicle based a fair credit credit score, trade value, and trade pay off.

Click the + Customize Payments button to tailor your new car auto loan payments to your exact preferences. Our estimated payments assume fair credit, $500 down, and encompass state taxes, as well as typical DMV and dealer document fees. The Sticker Price accounts for the MSRP and Destination Charge. Make it uniquely yours by adjusting factors such as your state of residence, credit score, down payment, and trade-in value versus trade payoff. Get started now!

State
National
Credit Score / Avg. Rate
601-660 / 13.49%
Max Payment
$800.00
Down Payment
$500.00
Trade Value
$0.00
Trade Payoff
$0.00

December 2023 Recommeded Cars for Fair Credit Financing

Get a lease quote or get pre-approved for financing on the best new car models for fair credit.

Sport Utility Vehicles for Fair Credit

2023 Audi Q5

Sticker Price Range (9 trims)
$45,395 to $58,595
Car Loan Payment Range
$698.96 to $800.00
Rebate Offer
$10,000 plus $5,000 Bonus Cash
Special APR Offer
6.99% plus $5,000 Bonus Cash
Down Payment Range
$500 to $9,050

The 2023 Audi Q5 has a December 2023 rebate of $10,000 plus $5,000 bonus cash or special interest rate of 6.99% APR plus $5,000 bonus cash. It is a 4 door sport utility vehicle with 9 trim levels (S line Premium Plus 45 TFSI quattro, S line Prestige 45 TFSI quatt...

2023 Buick Encore GX

Sticker Price Range (6 trims)
$27,195 to $33,395
Car Loan Payment Range
$527.41 to $647.24
Special APR Offer
1.90%

The 2023 Buick Encore GX has a December 2023 special interest rate of 1.90% APR. It is a 4 door sport utility vehicle with 6 trim levels (Front Wheel Drive 4 Door Select, Front Wheel Drive 4 Door Essence, AWD 4 Door Preferred, AWD 4 Door Select, AWD 4 Door Essence, Front Wheel Drive 4 Door Preferred).

2023 Buick Envision

Sticker Price Range (6 trims)
$34,795 to $48,855
Car Loan Payment Range
$638.26 to $800.00
Rebate Offer
$2,000 plus $1,000 Bonus Cash
Special APR Offer
1.90% plus $1,000 Bonus Cash
Down Payment Range
$500 to $6,604

The 2023 Buick Envision has a December 2023 rebate of $2,000 plus $1,000 bonus cash or special interest rate of 1.90% APR plus $1,000 bonus cash. It is a 4 door sport utility vehicle with 6 trim levels (AWD 4 Door Preferred, AWD 4 Door Essence, AWD 4 Door Avenir,...

Sedans for Fair Credit

2024 Acura Integra

Sticker Price Range (5 trims)
$32,695 to $51,995
Car Loan Payment Range
$633.71 to $800.00
Special APR Offer
3.90%
Down Payment Range
$500 to $11,971

The 2024 Acura Integra has a December 2023 special interest rate of 3.90% APR. It is a 4 door sedan with 5 trim levels (CVT, CVT with A-Spec Package, CVT with A-Spec Tech Package, Manual with A-Spec Tech Package, Type S Manual).

2024 Audi A3

Sticker Price Range (4 trims)
$36,495 to $38,495
Car Loan Payment Range
$671.11 to $709.77
Rebate Offer
$2,000 plus $1,000 Bonus Cash
Special APR Offer
6.99% plus $1,000 Bonus Cash

The 2024 Audi A3 has a December 2023 rebate of $2,000 plus $1,000 bonus cash or special interest rate of 6.99% APR plus $1,000 bonus cash. It is a 4 door sedan with 4 trim levels (Premium 40 TFSI, Premium Plus 40 TFSI, Premium 40 TFSI quattro, Premium Plus 40 TFS...

2023 Audi A4 Sedan

Sticker Price Range (6 trims)
$41,395 to $43,495
Car Loan Payment Range
$693.73 to $734.32
Rebate Offer
$6,000 plus $3,000 Bonus Cash
Special APR Offer
6.99% plus $3,000 Bonus Cash

The 2023 Audi A4 Sedan has a December 2023 rebate of $6,000 plus $3,000 bonus cash or special interest rate of 6.99% APR plus $3,000 bonus cash. It is a 4 door sedan with 6 trim levels (S line Premium Plus 45 TFSI quattro, S line Prestige 45 TFSI quattro, Premium...

Regular Cab Pickup Trucks for Fair Credit

2023 Ford F-150

Sticker Price Range (8 trims)
$36,580 to $46,850
Car Loan Payment Range
$699.79 to $800.00
Rebate Offer
$500 plus $500 Bonus Cash
Special APR Offer
1.90% plus $500 Bonus Cash
Down Payment Range
$500 to $5,954

The 2023 Ford F-150 has a December 2023 rebate of $500 plus $500 bonus cash or special interest rate of 1.90% APR plus $500 bonus cash. It is a 2 door regular cab pickup truck with 8 trim levels (XLT 4x4 Regular Cab 8 Foot Box, XLT 2WD Regular Cab 6.5 Foot Box, X...

2023 Ram 1500 Classic

Sticker Price Range (2 trims)
$34,340 to $41,500
Car Loan Payment Range
$647.48 to $785.87
Rebate Offer
$1,000
Special APR Offer
4.90%

The 2023 Ram 1500 Classic has a December 2023 rebate of $1,000 or special interest rate of 4.90% APR. It is a 2 door regular cab pickup truck with 2 trim levels (Tradesman 4x2 Regular Cab 8 Foot Box, Tradesman 4x4 Regular Cab 8 Foot Box).

Minivans for Fair Credit

2024 Kia Carnival

Sticker Price Range (5 trims)
$34,565 to $47,665
Car Loan Payment Range
$669.85 to $800.00
Down Payment Range
$500 to $7,328

The 2024 Kia Carnival is a 4 door minivan with 5 trim levels (SX Front Wheel Drive, SX Prestige Front Wheel Drive, LX Front Wheel Drive, LX Front Wheel Drive with Seat Pkg, EX Front Wheel Drive).

Hatchbacks for Fair Credit

2023 Chevrolet Bolt EV

Sticker Price Range (2 trims)
$27,495 to $30,695
Car Loan Payment Range
$533.21 to $595.06

The 2023 Chevrolet Bolt EV is a 4 door hatchback with 2 trim levels (5 Door Wagon 1LT, 5 Door Wagon 2LT).

2023 Hyundai IONIQ 5

Sticker Price Range (7 trims)
$42,785 to $57,835
Car Loan Payment Range
$648.52 to $800.00
Rebate Offer
$10,000 plus $2,500 Bonus Cash
Special APR Offer
0.99% plus $2,500 Bonus Cash
Down Payment Range
$500 to $8,235

The 2023 Hyundai IONIQ 5 has a December 2023 rebate of $10,000 plus $2,500 bonus cash or special interest rate of 0.99% APR plus $2,500 bonus cash. It is a 4 door hatchback with 7 trim levels (SE RWD, SEL RWD, Limited RWD, SE AWD, SEL AWD, Limited AWD, SE Standar...

2024 Kia Niro

Sticker Price Range (5 trims)
$28,165 to $36,565
Car Loan Payment Range
$546.16 to $708.51

The 2024 Kia Niro is a 4 door hatchback with 5 trim levels (LX Front Wheel Drive, EX Front Wheel Drive, EX Touring Front Wheel Drive, SX Front Wheel Drive, SX Touring Front Wheel Drive).

Extended Cab Pickup Trucks for Fair Credit

2023 Ford F-150

Sticker Price Range (8 trims)
$41,190 to $52,835
Car Loan Payment Range
$788.88 to $800.00
Rebate Offer
$500 plus $500 Bonus Cash
Special APR Offer
1.90% plus $500 Bonus Cash
Down Payment Range
$500 to $12,373

The 2023 Ford F-150 has a December 2023 rebate of $500 plus $500 bonus cash or special interest rate of 1.90% APR plus $500 bonus cash. It is a 4 door extended cab pickup truck with 8 trim levels (XL 4x4 SuperCab 8 Foot Box, XL 2WD SuperCab 6.5 Foot Box, XLT 4x4 ...

2023 Nissan Frontier

Sticker Price Range (4 trims)
$31,065 to $36,965
Car Loan Payment Range
$593.20 to $707.23
Rebate Offer
$500 plus $500 Bonus Cash
Special APR Offer
3.69% plus $500 Bonus Cash

The 2023 Nissan Frontier has a December 2023 rebate of $500 plus $500 bonus cash or special interest rate of 3.69% APR plus $500 bonus cash. It is a 4 door extended cab pickup truck with 4 trim levels (King Cab 4x2 S Auto, King Cab 4x2 SV Auto, King Cab 4x4 S Aut...

2023 Toyota Tacoma 2WD

Sticker Price Range (5 trims)
$30,095 to $37,005
Car Loan Payment Range
$583.46 to $717.01
Special APR Offer
3.99%

The 2023 Toyota Tacoma 2WD has a December 2023 special interest rate of 3.99% APR. It is a 4 door extended cab pickup truck with 5 trim levels (SR5 Access Cab 6 Foot Bed V6 AT, TRD Sport Access Cab 6 Foot Bed V6 AT, SR Access Cab 6 Foot Bed I4 AT, SR5 Access Cab 6 Foot Bed I4 AT, SR Access Cab 6 Foot...

Crew Cab Pickup Trucks for Fair Credit

2024 Chevrolet Colorado

Sticker Price Range (7 trims)
$31,095 to $48,395
Car Loan Payment Range
$602.79 to $800.00
Down Payment Range
$500 to $8,111

The 2024 Chevrolet Colorado is a 4 door crew cab pickup truck with 7 trim levels (2WD Crew Cab WT, 2WD Crew Cab LT, 4x4 Crew Cab WT, 4x4 Crew Cab LT, 4x4 Crew Cab Trail Boss, 4x4 Crew Cab Z71, 4x4 Crew Cab ZR2).

2023 Ford F-150

Sticker Price Range (23 trims)
$43,525 to $86,905
Car Loan Payment Range
$800.00 to $800.00
Rebate Offer
$500 plus $500 Bonus Cash
Special APR Offer
1.90% plus $500 Bonus Cash
Down Payment Range
$2,387 to $48,912

The 2023 Ford F-150 has a December 2023 rebate of $500 plus $500 bonus cash or special interest rate of 1.90% APR plus $500 bonus cash. It is a 4 door crew cab pickup truck with 23 trim levels (XL 2WD SuperCrew 6.5 Foot Box, XL 4x4 SuperCrew 6.5 Foot Box, LARIAT ...

2024 Ford Ranger

Sticker Price Range (7 trims)
$34,160 to $56,960
Car Loan Payment Range
$662.03 to $800.00
Down Payment Range
$500 to $17,296

The 2024 Ford Ranger is a 4 door crew cab pickup truck with 7 trim levels (XLT 2WD SuperCrew 5 Foot Box, LARIAT 2WD SuperCrew 5 Foot Box, XL 4x4 SuperCrew 5 Foot Box, XLT 4x4 SuperCrew 5 Foot Box, LARIAT 4x4 SuperCrew 5 Foot Box, Raptor 4x4 SuperCrew 5 Foot Box, XL 2WD SuperCrew 5 Foot Box).

Coupes for Fair Credit

2024 Chevrolet Camaro

Sticker Price Range (7 trims)
$32,495 to $73,695
Car Loan Payment Range
$629.85 to $800.00
Down Payment Range
$500 to $35,245

The 2024 Chevrolet Camaro is a 2 door coupe with 7 trim levels (2 Door Coupe 2SS, 2 Door Coupe ZL1, 2 Door Coupe 1LT, 2 Door Coupe 2LT, 2 Door Coupe 3LT, 2 Door Coupe LT1, 2 Door Coupe 1SS).

2023 Dodge Challenger

Sticker Price Range (9 trims)
$34,395 to $70,195
Car Loan Payment Range
$630.53 to $800.00
Rebate Offer
$2,000
Special APR Offer
6.90%
Down Payment Range
$500 to $29,491

The 2023 Dodge Challenger has a December 2023 rebate of $2,000 or special interest rate of 6.90% APR. It is a 2 door coupe with 9 trim levels (R/T Scat Pack RWD, R/T Scat Pack Widebody RWD, SRT Hellcat Jailbreak RWD, SRT Hellcat Widebody Jailbreak RWD, SXT RWD, S...

2024 Ford Mustang

Sticker Price Range (5 trims)
$32,515 to $59,565
Car Loan Payment Range
$630.23 to $800.00
Special APR Offer
4.90%
Down Payment Range
$500 to $20,090

The 2024 Ford Mustang has a December 2023 special interest rate of 4.90% APR. It is a 2 door coupe with 5 trim levels (GT Premium Fastback, Dark Horse Fastback, EcoBoost Fastback, EcoBoost Premium Fastback, GT Fastback).

Convertibles for Fair Credit

2024 Chevrolet Camaro

Sticker Price Range (7 trims)
$38,495 to $79,695
Car Loan Payment Range
$745.81 to $800.00
Down Payment Range
$500 to $41,680

The 2024 Chevrolet Camaro is a 2 door convertible with 7 trim levels (2 Door Convertible 3LT, 2 Door Convertible LT1, 2 Door Convertible 1SS, 2 Door Convertible 2SS, 2 Door Convertible ZL1, 2 Door Convertible 1LT, 2 Door Convertible 2LT).

2024 Ford Mustang

Sticker Price Range (3 trims)
$40,615 to $53,110
Car Loan Payment Range
$786.78 to $800.00
Special APR Offer
4.90%
Down Payment Range
$500 to $13,167

The 2024 Ford Mustang has a December 2023 special interest rate of 4.90% APR. It is a 2 door convertible with 3 trim levels (EcoBoost Convertible, EcoBoost Premium Convertible, GT Premium Convertible).

2023 Mazda MX-5 Miata

Sticker Price Range (4 trims)
$29,215 to $34,715
Car Loan Payment Range
$566.45 to $672.75
Special APR Offer
0.90%

The 2023 Mazda MX-5 Miata has a December 2023 special interest rate of 0.90% APR. It is a 2 door convertible with 4 trim levels (Grand Touring Auto, Sport Manual, Club Manual, Grand Touring Manual).

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