WFDS can and will dip to the under 600 subprime from time to time

but to do so the structure of the loan must be favorbale to them and you 

the zero down is ok if you are buying the car at 11k and will owe 12.5 K and the car is worth 14K

you need to better the look of the loan to get approved by them

question why WFDS ?