Car loans after bankruptcy, a repo or bad credit.
Answer a few questions and pick a dealership. Its finance team takes it from there, and each lender decides.
Start with your situation
Each one changes what a lender asks about and what you should bring.
Bankruptcy auto loans
After a Chapter 7 discharge or during a Chapter 13 plan: the court papers lenders ask for, and when your trustee comes in.
Read the bankruptcy guide
After a repossession
What a new lender sees, what a deficiency balance is, and the letters to bring.
Read the repo guide
Bad credit auto loans
Late payments, collections or a thin credit file: what lenders weigh besides your score.
Read the bad credit guideNot sure where you fit?
First car, a little of everything, or you'd rather just talk it through. The Fresh Start questions sort it out, and the dealership you pick follows up.
Real lenders, from automaker finance companies to banks
Depending on the dealership, the vehicle and your credit file, your application can go to lenders like these. Each one makes its own decision.
Automaker finance companies
Banks, independent lenders and credit unions
Why volume matters
Our 14 dealerships send a steady flow of applications to these lenders. That's how our finance teams learn what each one looks for: the documents it asks for, how it reads past credit trouble, and how it weighs the vehicle and the amount you borrow.
And where it stops
It means a finance team can tell you up front what a lender is likely to need. It doesn't change a lender's rules, it doesn't let us decide for a lender, and it can't promise an outcome. Some applications are still declined.
How our lender network worksHow it works
From your first answer to the paperwork, nothing is final until you've read the terms.
Tell us where you stand
A few questions about your situation, your budget and your income. No Social Security number, and this isn't a credit application.
Pick your dealership
Choose your town, then the store. Your answers go to that dealership's finance team, and they get in touch with you.
Your application goes to lenders
The finance team tells you what to bring, then sends a complete credit application to one or more lenders. When you apply, lenders check your credit.
Each lender decides
A lender can approve, decline or offer different terms. Before you sign, the Truth in Lending disclosures show the APR, the finance charge and the total of payments.
What Clary Auto Credit is, and what it isn't
What it is
- Bud Clary Auto Group is a family-owned group of 14 new-car dealerships in Washington, in business since 1959.
- Your answers go to the one dealership you pick.
- Real stores you can visit in Longview, Moses Lake, Auburn, Yakima and Washougal.
- Every used vehicle we sell gets a 137-point inspection, a 3-month / 3,000-mile limited warranty and a free CARFAX report.
What it isn't
- A lender. Outside lenders make every credit decision.
- A special loan or a government program.
- A promise. No one can promise you a loan before a lender has seen your application.
- A buy here pay here lot. Our dealerships arrange financing through outside lenders.
- A way to change your credit report. The CFPB says no one has the right to remove accurate negative information from it.
What to bring
Having these ready saves a second trip. Your dealership's finance team will tell you if a lender wants anything else.
Everyone
- Driver's license
- Recent pay stubs, or a benefits letter or tax returns if that's how you're paid
- Proof of where you live, like a utility bill or a lease
- Proof of insurance, if you have it
- The title or payoff details for a trade-in
If it applies to you
- Bankruptcy: the discharge order, or during Chapter 13 the trustee's or the court's written approval
- Repossession: the latest letter or statement on the old account
- A co-applicant: their license and proof of income
- Child support or alimony, only if you want it counted
Questions people ask
Is Clary Auto Credit a lender?
No. It's Bud Clary Auto Group's website for the Fresh Start Finance Program. Our dealerships arrange financing with outside lenders, and each lender decides whether to approve an application and on what rate and terms.
Can you promise me an approval?
No, and approval is never guaranteed. The FTC warns that legitimate lenders won't promise credit before you apply. What our finance teams can do is send a complete application to lenders that consider credit like yours, and tell you up front what those lenders are likely to ask for.
Is there a credit score cutoff?
There isn't one cutoff. Each lender sets its own standards and looks at your score next to your income, your debts, the loan amount and the vehicle you choose.
Do lenders check my credit?
Yes, when you apply. The Fresh Start questions aren't a credit application, but a lender that considers your application will usually pull your credit report. The CFPB says auto lenders' credit checks generally count as one inquiry when they fall inside a 14 to 45 day window.
Do I need a down payment?
That's up to the lender, and it can change with the vehicle you choose. Cash, trade-in equity or both can count, and you'll see the figure in writing before you sign anything.
Does Social Security or disability income count?
It can. Under Regulation B, a lender can't hold it against you that your income comes from public assistance, though it can look at how much you receive and how long it will continue. Bring your benefits letter.
Who sees my answers?
The dealership you pick. Its finance team uses your answers to contact you and to get your application ready. Our privacy page has the details.
Is the Fresh Start Finance Program a government program?
No. It's Bud Clary Auto Group's own name for how the finance teams at our 14 dealerships handle applications from people whose credit has taken a hit or is just getting started. It isn't a lender, a special loan or a government program.
14 dealerships in 5 Washington towns
The Fresh Start questions ask for your town first, then the dealership.
Longview
- Bud Clary Chevrolet
- Bud Clary Ford
- Bud Clary Hyundai
- Bud Clary Subaru
Moses Lake
- Bud Clary Chevrolet of Moses Lake
- Bud Clary Toyota of Moses Lake
- Bud Clary Moses Lake Chrysler Dodge Jeep Ram
- Bud Clary Ford of Moses Lake
- Bud Clary Honda of Moses Lake
Auburn
- Bud Clary Auburn Chrysler Dodge Jeep Ram
- Bud Clary Auburn Hyundai
- Bud Clary Auburn Volkswagen
Yakima
- Bud Clary Toyota of Yakima
Washougal
- Westlie Ford
Ready when you are
A few questions, then the dealership you pick takes it from there.