You may be able to qualify, but…
Here are a few thoughts:
First – why is your score too low? Is it because you still have no credit, or do you simply have bad credit. There a big difference! Lenders are much more forgiving towards no credit than to bad credit.
Second – If you qualify, expect to get the worst terms. Because you pose a risk to your creditor, you will get a very high interest rate, and you’ll probably have to put a considerable down payment.
Third – you may have more success with dealerships than with your bank. Try to get pre approved with the bank you work with. After you have a picture on the terms they’re willing to give you try to negotiate a better deal with the car dealer. Car dealers tend to be more forgiving to not-so-good credit/
Lastly – if you can come up with a co-signer, your chances of getting approved will improve dramatically, and so will your loan terms.
Low fico score car lawn is hard to get, but not unheard of.