Buying a Pickup Truck with Bad Credit

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Megan Foukes is a recent graduate from Indiana University who graduated with a bachelor’s in journalism. Megan works as a content writer for Auto Credit Express and contributes to several automotive and finance blogs.


, - January 23, 2019

The pickup truck is one of America’s most common and recognizable types of vehicles. Many Americans use pickup trucks for work or sporting activities such as hunting, while others just like the look of a large truck. No matter the reason, the unfortunate truth is that these vehicles come with hefty prices that may not be affordable for many buyers, even if they rely on their work truck to earn a living. But, don’t feel left out, there are many used trucks that come with a friendlier price point.

Buying a truck with bad credit can be a challenge. Trucks aren’t cheap, and you can expect to pay for a new truck well into the $20k price range and over. But trucks hold their value well compared to sedans and cars. This can be a problem for buyers with bad credit, as eligibility rules for subprime auto loans normally limit vehicles to under $20,000 and under 100,000 miles.

If you have bad credit and are in the market for a used pickup truck, what should you get? Although subjective, we’ve laid out some of the best used pickup trucks for bad credit buyers below.

5 Best Used Pickup Trucks for Bad Credit Buyers

When shopping for a pickup truck for work or for recreation, you tend to look at the dimensions, towing capabilities, and safety features. What you may not like are the big sticker prices that come with many new trucks. However, you don’t need to go all the way back to the early 2000s to find an affordable truck – you can find some that are just a few years old.

In no particular order, here are five of the best used pickup trucks for you, your family, or even for work, based on price, safety scores, drivetrain, and fuel economy:

2015 Ford F-150 (Regular Cab XL, 2D)

  • Typical purchase price: $19,183
  • Fuel economy: 19/26/22 miles per gallon (city/highway/combined)
  • NHTSA safety rating: 5/5 stars
  • Drivetrain: Rear-wheel drive

2013 Honda Ridgeline (RT, 4D)

  • Typical purchase price: $18,471
  • Fuel economy: 16/21/17 mpg
  • NHTSA safety rating: Not been rated
  • Drivetrain: All-wheel drive

2015 Nissan Frontier (Crew Cab S, 4D)

  • Typical purchase price: $19,450
  • Fuel economy: 16/21/18 mpg
  • NHTSA safety rating: Not been rated
  • Drivetrain: Four-wheel drive

2016 Toyota Tacoma (Access Cab SR Pickup, 4D)

  • Typical purchase price: $18,471
  • Fuel economy: 19/22/20 mpg
  • NHTSA safety rating: 4/5 stars
  • Drivetrain: Four-wheel drive

2010 Toyota Tundra (CrewMax Pickup, 4D)

  • Typical purchase price: $19,175
  • Fuel economy: 14/19/16 mpg
  • NHTSA safety rating: Not been rated
  • Drivetrain: Four-wheel drive

Out of these five trucks, CarsDirect’s choice for the best is the 2015 Ford F-150 with a fair purchase price under $20,000, and the best combined fuel economy of 22 mpg. Although there’s a four-wheel drive option, the cheaper of the two is the rear-wheel drive, which may not be ideal for some consumers looking for a truck that can handle winter driving and other extreme conditions.

At the end of the day, each of these trucks average just under $20,000, and are relatively newer models. Keep in mind that the fair purchase price varies depending on where you live and who’s selling the truck.

Ready to Get Behind the Wheel?

If you want to look further into these trucks, you can check out our Used Trucks section and read all about the truck you’re considering. Once you have an idea on what you’re looking for, you can get the car buying process started with us.

At CarsDirect, we can help match you to a dealership near you that specializes in working through unique credit situations. We've helped millions of people in the past, and you can be next if you start by filling out our car loan request form. Our service is free of cost and obligation.

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Megan Foukes is a recent graduate from Indiana University who graduated with a bachelor’s in journalism. Megan works as a content writer for Auto Credit Express and contributes to several automotive and finance blogs.


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