No matter what your credit situation is, there are some times when you need a truck despite it - like immediately after an accident and during the winter months when car maintenance could cost more.

To buy a used truck with bad credit from a traditional dealership, you need first to assess your financing options. Traditional dealerships often work with various lenders and refer their customers who are looking for used Truck Loans to them that fit the customer's credit score.

With a low credit score, there can be some difficulty, as it can at the very least limit your choice of the used truck to buy and at the very least not allow you to purchase a vehicle at all. Important to know: Traditional dealerships only consider your past financial history - no matter how well off you are now - when making financing decisions.

Step 1: Determine your budget

When purchasing a car the first priority should be to establish a budget and have all of this information in mind. It is very important not to spend cash as well so it doesn't go towards unnecessary items. Make sure you plan for 10-15% that will be put towards maintaining your vehicle, and other repairs that are bound to happen as time goes on.

Step 2: Choose several suitable models

When you choose Used Pickup Loans, you should already clearly understand what exactly you need from the car: a large trunk, spacious interior, high power, automatic transmission, leather interior or other options. Usually suitable for given criteria are several models, even by the same manufacturer. Therefore, choose two or three models that suit you on all parameters, and look only for them.

Step 3. Finding out the market value of the car

The first step is to set your maximum budget so that you do not consider too expensive vehicle models. Immediately after purchase, you will have to do maintenance, and not mention any corrections from defects that will inevitably occur.

In addition to the banal sifting out suspicious suggestions from the scammers, it is useful for comparing cars and bargaining. It is very easy to find out the average price with the help of filters on websites with ads and not complicated calculations with the calculator.

Step 4: Review and analyze listings

Finding the perfect car for your family has been a long and tedious process. This whole time we've had to search through listings galore, muddling with all of the details in order to get as many potential options as possible—and picking the best one of them all. You need to keep track of new offers quickly because most cars are snatched up within days or hours. To go even further you should sign up for notifications on models that pique your interest and use mobile apps, so you never miss an opportunity.

Unscrupulous sellers also like to hide any accidents that the used pickup with bad credit may have on their record, as well as fudge the mileage readings in order to sell it off for a much higher price. Therefore, you should not blindly believe what is listed on an odometer.

  • Just do the math. A personal vehicle drives 15-20 thousand kilometers per year on average. Over five years, the real mileage will be about 100 thousand.
  • Check the brake discs. If they are more than 2-3 mm thick, then the car has gone around 100 kilometers. If they are new, it means that the brakes were recently replaced and have gone over 100k.
  • Look at the steering wheel. Signs of wear appear on it by 5 years of usage or when mileage goes over 150-200 thousand kilometers.
  • Check the pads on the pedals. If they are worn down to metal or, on the contrary, replaced, it means the mileage is over 300 thousand.
  • Look at the driver's seat. The fabric upholstery withstands about 100-130 thou km without consequences, the condition of leather starts to deteriorate after 200 thou km. Thus, the support roll nearest to the door suffers most of all, though often the armrest suffers as well.

Find a Truck That Fits Your Needs and Budget

Are you looking for a used pickup truck that fulfills your needs and budget? Ask the seller first-hand (if he was the only owner, great news) about what kind of use his pickup has been put to.

Once you're facing the vehicle, do the following inspections:

  1. Inspect the exterior and interior of the body, including the door hinges. Check the condition of the tires. Make sure there are no signs of rust on the frame and hangers. Make sure there are no traces of oil near the steering mechanism.
  2. When thinking about which used truck model to buy, think about the main reasons for using it. Do you drive long hours to work? Consider something economical. Do you need to tow a trailer on occasion? Look at trucks and large SUVs. In general, you'll find that the more popular vehicles tend to hold their value better, which means prices will be higher than those they compete with. So if you want to save money, buy a used truck with bad credit, consider more than one brand. We suggest making a list of three cars that fit your needs and within your budget.
  3. If you've narrowed your search for used trucks down to a few vehicles but are still on the fence, considering the many costs of ownership can help in making your decision. Some vehicles may use more expensive premium fuel or diesel, while parts and labor prices may be more expensive for luxury vehicles. Even insurance costs must be taken into account.

What to look for when inspecting a used car?

Buying a car from hand begins with questions to the seller. What to ask, so you don't waste your time on junk?

When buying a used car, don't forget to ask when the car was bought, what year it is on the certificate and how many owners it has. Of course. you can not expect the seller to be absolutely honest with you, but cutting off some of the liars will definitely help. The most persistent will even cheat at the inspection. 

Conclusions: If you are not told the truth right away, what will happen next? You should not blindly rely on readings for the odometer, especially if unscrupulous sellers are at work.

  1. Mileage. The common truth: the less - the better. Pay attention to details: a dilapidated steering wheel and driver's door handle, wiped out a mat near pedals and worn pads, the general look of a salon, obviously showing that the car was driven more than stood. 
  2. Operational peculiarities. It is necessary to look where the used pickup with no down payment has been exploited, because, after kilometers of bad roads the car leaves less than it should. Reagents in large quantities have sprinkled Moscow roads and are not good friends with the paint coating. It is impossible to check for sure where the car was, but a few years of traffic jams, cramped yards, and chemistry should make you check the iron especially carefully.
  3. Repairs. It is essential  to be aware of what exactly was repaired and for what reason. The awareness will allow paying attention to the important nuances during the personal inspection. Of course, it is in the seller's interest to present a car in the best possible light, so you will have to look for and find any defects in a car.

Please pay attention to the parts that are painted but not fastened down (this means they might have been removed for something), paint that is chipped or has a bad gloss, interior components that don’t fit well or look unnatural, non-native glass in some places, sagging ceilings with an unsightly gap behind them where important safety equipment could be hidden. If possible - it's worth getting the service history at the official dealer.

How Rolls Auto Sales can help

By experience, buying a used truck with bad credit on your own is not the easiest task. First of all, it is the time to study the market situation, price analysis, search for possible sales channels such as the flea market, internet or resellers of dubious appearance and reputation and the long wait for the moment of sale with interruptions to annoying phone calls and not always pleasant communication. And also there are high risks: cash transactions, lack of confidence in the technical state of the car, lack of any obligation, and inability to ask for help in case of problems.

The used truck with bad credit and no down payment offered to consumers by Rolls Auto Sales are qualitatively different from other offerings in the used car market. The credo of "Used Cars. Guaranteed Quality." combines important customer services to help build a sense of confidence, security, value, and comfort in our customers. Among them:

  • Warranty for used cars;
  • Technical inspection;
  • Professional preparation for sale;
  • Genuine trade-in;
  • Test drive;
  • Guaranteed exchange;
  • Financing and insurance;
  • Guaranteed mobility;
  • Optional equipment and accessories.

Understandably, it's hard to change your decision about which car is right for you. It can be overwhelming to sort through all the complex trading and purchase information. Fortunately, there are plenty of professionals in the used car industry who can help make that happen. The first thing you need to do is determine what goal is important to you: a trade-in or a sale on a used car? Regardless of the choice, our dealerships will competently help implement changes that work best for you.

Your ability to pay for your truck depends on your current and future financial situation, not your past. Rolls Auto Sales dealership can help you obtain financing that you can afford based on your current income. The process of getting financing at a Rolls Auto Sales dealership is quick and easy. Then, you can start the process of finding a truck online and start looking for your next truck.

Inspecting the truck and discussing the price

We recommend taking the mechanic for a test drive or arranging a pre-purchase inspection with the seller. Most used trucks are sold "as is". That means you should determine their level of condition. But even if you're not an expert on cars, there are a few basic things you can look out for when evaluating a car. Is the air conditioning blowing cold? Are the tires old? Listen for any strange noises and check to see if the wheels are moving right on the drive. Car reviews can help you "inspect" the car from afar.

It is a little more work to negotiate for a used car because there are differences in condition levels and prices from one car to the next. Nevertheless, negotiations don’t have to be drawn out and stressful.

Frequently Asked Questions about used trucks with bad credit

Can I get a used pickup with a 500 credit score?

Of course a loan with a 500 rating can be quite easy to get, but an important fact to keep in mind is the high interest rates. Despite this, the service of buying trucks by customers with a low credit rating is quite popular.

How can I finance a truck with bad credit?

The amount of financing depends on the type of vehicle to be purchased and the loan selected. A car loan with a bad credit history can be obtained for the purchase of a new car in a car dealership or from the bank's partners.

What credit score do you need to buy a used truck?

Credit rating  principles in used car buying are simple enough to understand, even for buyers who have never encountered it. A buyer with a higher credit score can find better rates on used cars than buyers with a lower credit score.

Where to buy a used pickup with bad credit and no down payment?

Rolls Auto Sales is here to help. The best offers on adequate terms.