Finance | Bud Clary Ford, Longview
Bad Credit Truck and SUV Loans in Longview, WA
When the job needs a truck and your credit has a few dents, two things move the deal forward: a used truck or SUV in the $15,000 range that can actually do the work, and paperwork that shows a lender what that work pays. The finance office at Bud Clary Ford, 700 7th Ave in Longview, passes your application along to lenders, and each lender decides on the credit.
- Under $20KUsed inventory gathered on its own search page
- 117 pointsInspection on every used vehicle
- 14 to 45 daysWindow where auto loan credit checks usually score as one
- Open SundaysSales, 11:00 AM to 5:00 PM
Start with what the truck has to do
Before you scroll a single listing, write down the job. What do you tow, what rides in the bed, how many people ride along, and do you need four-wheel drive for a gravel road or a muddy site in February? Buying the truck the work calls for, and not a trim level past it, keeps the amount you borrow down. The CFPB lists the price of the vehicle itself among the decisions that shape what a loan ends up costing (CFPB: before you shop).
Our used inventory searches Bud Clary Ford together with nearby locations, and the listings note that a vehicle parked at another location can be made available here. The used vehicles under $20,000 page is the fastest starting point; work down by price from there to the pickups and SUVs closest to $15,000.
Trucks and SUVs near that price are usually older or higher mileage, which is where the used-vehicle benefits earn their keep. Each used vehicle goes through a 117-point inspection, comes with its CARFAX report at no charge, carries a 3-month/3,000-mile limited warranty, and can be swapped for another within 3 days or 300 miles if it can't handle the job after all.
Showing a lender what your work pays
Lenders want two things from your income: the size of it and how dependable it looks. Federal Regulation B allows a lender to consider how much you make and whether that income will probably keep coming, and it says a lender can't discount or ignore pay just because it's from a part-time job, an annuity, a pension or another retirement benefit (12 CFR 1002.6).
| How you get paid | What to bring to show it |
|---|---|
| Hourly or salaried | Your most recent pay stubs, plus your start date if the job is new. |
| Self-employed, paid by the job or on a 1099 | Last year's federal tax return with every schedule (two years if you have them), your 1099 forms, and recent bank statements that show the deposits. |
| Seasonal or on-and-off work | W-2s or tax returns covering a full year, so the lender sees the whole pattern instead of one slow month. |
| Overtime, shift differential or a second job | Pay stubs that cover several months, or last year's W-2s from each employer. |
| Social Security, SSI, disability, pension or other benefits | Your current award or benefit letter, or a bank statement showing the deposits. |
Pay from benefits, a part-time job or your own business may count; the lender decides the amount it will rely on. Regulation B also stops a lender from penalizing income because a public assistance program pays it, and its official interpretation lists Social Security and SSI among those programs.
How financing works through our Longview finance office
The CFPB calls this dealer-arranged, or indirect, financing, because the dealership stands between you and the lender (CFPB: dealer-arranged financing). All credit types are welcome to apply.
- Fill out one applicationUse the credit application online or sit down with our finance office. A full application lets lenders check your credit.
- Our finance office sends it outBanks, credit unions and auto finance companies are among the lenders it can go to. Credit union direct lending is one of the options across Bud Clary stores.
- Lenders make the callEach lender reviews your credit and income, makes its own credit decision and sets its own terms. The dealership does not decide whether a lender says yes.
- You compare before you signRead the terms on paper first. The CFPB suggests asking whether other lenders sent offers, and you can also walk in with financing already lined up at your own credit union or bank.
Per the CFPB, when several lenders check your credit for an auto loan inside a 14 to 45 day span, those checks generally score as one inquiry. Compare offers within that stretch.
What to bring to the finance office
An old work vehicle can pull double duty at trade time. Its value comes off the price, and in Washington the value of a like-kind trade is excluded from the selling price that sales tax is figured on (WAC 458-20-247). We pay off the loan on your trade with your lender directly, and we buy vehicles even from people who don't buy one from us. Value your trade before you come in.
A negotiable documentary service fee of up to $200 may be added to the sale price.
- A valid driver's license
- The income paperwork from the table above
- Proof of your current address: a recent utility bill or rental agreement showing your name and street address
- Your current auto insurance company and policy details
- Trading in? The title, or the name of the bank holding your loan and the account number, plus every key you can find
- Details on any cash or trade equity you plan to put toward the truck
Check your credit before you shop
Pull your own reports first. According to the FTC, all three nationwide credit bureaus now offer a free look at your report every week through AnnualCreditReport.com, the one site authorized to fill orders for the free reports federal law entitles you to. Look for accounts that aren't yours and late payments you made on time, and dispute them before a lender sees them.
Old trouble fades with time. Most negative items, late payments and repossessions included, can generally stay on a report for seven years, while bankruptcies can stay as long as ten (CFPB). Steady pay on the job you have now is the part you can show today.
Ready when the right truck is
Send the application from home, or call our sales and finance team. The sales department at 700 7th Ave is open seven days a week.
Visit Bud Clary Ford
Bud Clary Ford700 7th Ave
Longview, WA 98632
Sales
- Mon - Fri
- 8:30 AM - 7:00 PM
- Saturday
- 9:00 AM - 6:00 PM
- Sunday
- 11:00 AM - 5:00 PM
Service
- Mon - Fri
- 7:30 AM - 5:30 PM
- Saturday
- 8:00 AM - 3:00 PM
- Sunday
- Closed
Frequently asked questions
Can I get a car loan if I'm self-employed?
You can apply, and self-employment income may count toward it; each lender sets how much of it counts. Bring tax returns with all schedules, your 1099s and bank statements so the lender can see what the business actually pays you.
Does seasonal work count as income for a car loan?
It may. Lenders weigh both the amount and whether the income is likely to continue, so a full year of W-2s or tax returns tells your story better than one stub from the slow season. The lender makes the final call.
Does Social Security or SSI count as income for a truck loan?
Benefit income may count, and the lender decides. Under Regulation B, a lender can't count it against you that your money arrives from a public assistance program, and the rule's official interpretation lists Social Security and SSI. Bring your current benefit letter.
Do I need a cosigner with bad credit?
Not always, but a cosigner is one option when your history is thin. The FTC warns that a cosigner has to pay if you don't, and the loan can show up on the cosigner's own credit report (FTC).
Can I finance a truck after a repossession?
You can apply. A repossession is negative information that bureaus can generally report for seven years, so a recent one weighs more than an old one. Records of steady pay and cash or a trade toward the purchase give a lender more to work with.
Will applying for a truck loan hurt my credit score?
A full application lets lenders pull your credit. Auto loan inquiries clustered within 14 to 45 days are generally scored as a single inquiry, the CFPB says, so do your comparing in a short window.