credit score 650, can you finance with that?

Try Westlake Financial, but they will give you a high interest rate

Yes. If you go with dealership financing you'll end up paying more in interest then you would if you went with a local bank or credit union with that score. More interest means higher payment. Rates are set based on model year at credit unions vs dealership financing rates where credit score pays a big part in how high or low your rate will be.

Yeah