Can You Join a Car-Sharing Service with a 600 Credit Score

Yes, you usually can join a car‑sharing service with a 600 credit score, but it depends on the specific company and how they judge risk. A 600 score is considered “fair,” not good, but not bad enough to automatically shut you out.

Most car‑sharing companies don’t use your credit score the same way a bank does. They’re not giving you a loan; they’re deciding whether you are likely to pay your trip charges and whether you’re a safe risk for their insurance. That means the score is only one piece of the picture, and often not the deciding one.

Why a 600 Credit Score Usually Doesn’t Block You

• Many services don’t check credit at all: Companies like Zipcar, Turo, and Getaround focus more on your driving record and whether your payment method can be verified. Your score might never be pulled.
• When they do check, it’s for identity or payment risk, not loan approval: A 600 score can still show you’ve paid enough bills on time to be considered predictable. They mostly want to know you aren’t in active collections for things like car-related debts.
• Driving history matters more: A clean or mildly messy driving record usually weighs heavier than your credit number. Risky driving costs them far more than a borderline credit score.
• They can require a deposit instead of rejecting you: Some platforms place a temporary hold on your card or charge a refundable deposit if they’re unsure about risk. This lets them say yes without exposing themselves.
• Sufficient funds on the card matters more than the score: Car-sharing companies want to see that the card you’re using isn’t maxed out. A working debit or credit card with room on it often outweighs a fair score.

When a 600 Score Could Be a Problem

• If you have recent unpaid car-related debt: Companies get nervous if you owe money for accidents, tickets, or previous car-sharing bills.
• If your card often declines: Many denials happen because the payment method fails, not because of credit.
• If you have major recent bankruptcies: This sometimes triggers automatic declines, but not always.

In short, a 600 score is rarely the make-or-break factor. Car-sharing services mostly care about your driving record, your ability to pay, and whether your identity checks out. As long as those look steady, you can almost always join.