How much can I prequalify for?
Approval amount depends on credit score, income, and debt-to-income ratio.
Quick Summary
Approval depends on credit, income, and debt.
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Answered by Sonny Baird
Last updated 1/16/2026, 3:02:26 PM
The lender will ultimately determine how much you may borrow. The three biggest factors that subprime auto lenders take into account when determining a total amount financeable are:
- Credit Score
- Income
- Debt to Income Ratio
- The only way to learn exactly how much you can get approved for is to apply
Sonny Baird
General Sales Manager, West Mitsubishi
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