The simple answer is generally, yes. But it is advisable to improve your credit score and bring it up to at least 750. Doing so would make you eligible for the best interest rates and attractive terms. If you are in need of credit and have a bad credit score, then getting a loan and paying it off diligently could help you improve your score as well. Of course, a lot depends on the severity of your credit situation and whether you have defaulted in the past.