<prompt> Human: credit karma says my score is in the low 500s. the only things there are medical bills really. I havent had an auto loan in over 8 years. I have a gross monthly income of about 4200 before taxes, and I need to finance a vehicle. What can I expect to be able to borrow in terms of new and used vehicles? I really need a truck that will be super reliable. was looking at tundras, which really seem to hold their value greatly.  <response>: FICO in the low 500s? Youll get the dealers special at the low low APR of usury minus a half percent. Sorry to be crass, but thats a tough score to deal with. Id focus on minimizing your loan or saving up cash to buy a beater while you clean up your credit. 