Index
Elkhart: 574-264-1001 
Goshen: 574-971-8484 
Contact Information

What credit score is needed to buy a truck?


Image

What credit score is needed to buy a truck?

The credit score needed to buy a used truck near you can vary depending on the lender and financing company. However, a credit score of around 620 or higher is generally considered good for obtaining an auto loan.

Having a higher credit score can increase your chances of getting approved for a used truck loan and can also result in better interest rates and loan terms. With a lower credit score, you may face higher interest rates, be required to make a larger down payment, or be denied a loan for your cheap used truck.

It's important to note that having a good credit score is not the only important factor taken into consideration when obtaining an auto loan. Other factors such as income, employment history, and debt-to-income ratio may also be considered.

Before applying for a loan to buy a used truck, it's a good idea to check your credit score and work on improving it if you have the time. Improving your credit score can help you get better loan terms and make it easier to buy the diesel truck for sale that you want.

At USA-1, customers of any credit history can buy used trucks for sale near you. Our dealership is a buy here, pay here

 

What are the benefits of buying a used truck from a buy here, pay here?

"Buy Here Pay Here" (BHPH) dealerships are car dealerships that offer in-house financing, meaning they provide loans to customers directly rather than relying on a traditional bank or lending institution. Some of the benefits of buying a used truck for sale near you from a BHPH dealership include:

  • Easy approval: BHPH dealerships often have more lenient approval criteria, making it easier for customers with less-than-perfect credit to get approved for a used truck for sale near you.

  • No credit check: Some buy here pay here dealerships don't perform a credit check, which can be a benefit for customers with low credit scores or no credit history.

  • Convenient payments: BHPH dealerships often allow customers to make payments at the dealership, making it easier and more convenient for customers to keep up with their car loan payments.

  • Quick and easy financing: Buy here pay here dealerships can often provide financing quickly and easily, allowing customers to drive away with their used truck the same day.

  • For customers with no credit, it is possible to buy a used truck for sale near you with no credit at a "Buy Here Pay Here" (BHPH) dealership like USA-1. BHPH dealerships specialize in providing in-house financing and may be more willing to lend to someone with no credit compared to traditional dealerships.

 

Exterior: 
Black
Interior: 
Medium Earth Gray 
Mileage:
80,559
Engine:
6cyl, 2.7L, 325.0hp
Cab Type: 
Extended Cab Pickup
Model #: 
X1E
VIN:
1FTEX1EP4GFB65389
Stock #:
B65389
Internet Price:  
$19,900
Exterior: 
Silver
Interior: 
Medium Earth Gray 
Mileage:
36,960
Engine:
6cyl, 2.7L, 325.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
W1E
VIN:
1FTEW1EP6JFA40078
Stock #:
A40078
Internet Price:  
$29,900
Exterior: 
Green
Interior: 
Dark Earth Gray 
Mileage:
71,937
Engine:
6cyl, 3.5L, 282.0hp
Cab Type: 
Regular Cab Pickup
Model #: 
F1E
VIN:
1FTMF1E82GKF14550
Stock #:
F14550
Internet Price:  
$17,900
Exterior: 
Black
Interior: 
Dark Ash with Jet Black Interi 
Mileage:
48,909
Engine:
8cyl, 5.3L, 355.0hp
Cab Type: 
Extended Cab Pickup
Model #: 
CK15753
VIN:
2GCVKMEC7K1178022
Stock #:
178022
Internet Price:  
$29,900
Exterior: 
Black
Interior: 
Dark Ash with Jet Black Interi 
Mileage:
50,054
Engine:
6cyl, 4.3L, 285.0hp
Cab Type: 
Extended Cab Pickup
Model #: 
CK15753
VIN:
1GCVKREH6HZ247100
Stock #:
247100
Internet Price:  
$24,900
Exterior: 
Red
Interior: 
Diesel Gray/Black 
Mileage:
38,814
Engine:
8cyl, 5.7L, 395.0hp
Cab Type: 
Quad Cab
Model #: 
DS6L41
VIN:
1C6RR7FT1KS508967
Stock #:
508967
Internet Price:  
$29,900
Looking for the Best Buy Here Pay Here Solution in Elkhart ? Then Stock# 508967 a 2019 Ram 1500 Classic Express is ready to go with only 38,814 Miles, along with a Red Exterior and a Diesel Gray/black Fabric Interior.Some of the 1500 Classic more desirable features include Heated Mirrors, Alloy...   Read More
Exterior: 
Blue
Interior: 
Black Leather
Mileage:
57,660
Engine:
6cyl, 2.7L, 325.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
W1E
VIN:
1FTEW1EP8JKF58345
Stock #:
F58345
Internet Price:  
$29,900
In Need of Dealer Direct Financing in Elkhart ? Then Stock# F58345 a 2018 Ford F-150 XL is ready to go with only 57,660 Miles, along with a Blue Exterior and a Black Leather Interior.Some of the F-150 more desirable features include * REMAINING FACTORY WARRANTY *, Keyless Start, Steering Wheel...   Read More
Exterior: 
Black
Interior: 
Jet Black 
Mileage:
39,629
Engine:
6cyl, 3.6L, 308.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
12N43
VIN:
1GCGTCEN6K1300358
Stock #:
300358
Internet Price:  
$29,900
USA-1 Auto Sales Elkhart Is a Premiere Buy Here Pay Here Dealership! Let's take a look at Stock# 300358 a 2019 Chevrolet Colorado 4WD Crew Cab 128.3" LT is ready to go with only 39,629 Miles along with a Black Exterior and a Jet Black Fabric Interior.Some of the Colorado more desirable features...   Read More
Exterior: 
Gray
Interior: 
Diesel Gray/Black 
Mileage:
28,132
Engine:
6cyl, 3.6L, 305.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
DS6L41
VIN:
1C6RR7FG0KS534821
Stock #:
534821
Internet Price:  
$29,900
Looking for the Best Buy Here Pay Here Solution in Elkhart ? Then Stock# 534821 a 2019 Ram 1500 Classic Express 4x4 Quad Cab 6'4" Box is ready to go with only 28,132 Miles, along with a Granite Crystal Metallic Clearcoat Exterior and a Diesel Gray/black Fabric Interior.Some of the 1500 Classic more...   Read More
View ArticlesSave ThisPrint ThisTell A Friend