Fresh Start Finance Program
Bad credit auto financing at Bud Clary Honda of Moses Lake begins with a plain talk about your income, your budget and what went wrong. Outside lenders make the decision, and our finance team helps you hand them a complete application.
★★★★★4.6 stars from 710 Google reviewsRead our Google reviews for Bud Clary Honda of Moses Lake
“...Mike and Ronny are very relaxed, personable, and professional gentleman and take the time to make sure you are getting the experience you want... I was a little weary because my credit is not the best...”
Tristen S., Google review, October 2025
“Life happens and cars often wear down past a point of recovery... No pressure, just knowledgeable, professional, kind, patient and willing to work with me.”
Jared C., Google review, July 2024
“...They listened to my needs without any pressure, answered all my questions honestly... I truly appreciated how patient and respectful everyone was throughout...”
Beverly R., Google review, May 2025
Excerpts from 5-star Google reviews, quoted as written. Every buyer's credit is different, and lenders make every credit decision.
Our finance office on Pioneer Way reads the whole application, then submits it to outside lenders that work with credit in your range. Start with whichever of these is closest to where you are.
No judgment
Medical collections, a layoff, a repossession, a run of missed payments: our finance team has heard all of it and won't lecture you. Tell us what happened in a sentence or two, and we'll sort out which routes are still open from here.
Turned down?
One lender's no doesn't settle what the next lender says, because each one writes its own standards. Whoever declined you has to explain why, or tell you how to get the reasons (Regulation B). Hang on to that notice and bring it in.
Life happens
Your score is one piece of what a lender reads. Per the CFPB, lenders also look at what you earn, what you already owe, the size of the loan, how much you put down compared with what the car is worth, and whether it's new or used. You can move some of those before you apply.
Buy here pay here
Bud Clary Honda of Moses Lake isn't the lender. Outside banks, credit unions and finance companies put up the money, and buy here pay here lots tend to charge higher rates, per the CFPB. Each used car we sell is inspected on 137 points and backed by a 3-month / 3,000-mile limited warranty, plus a 3-day / 300-mile exchange and its CARFAX report at no cost.
The lender makes each credit decision. Approval isn't guaranteed.
We are
Sales, service and our finance office all work out of 1200 S Pioneer Way in Moses Lake.
We aren't
Worth knowing, since some finance sites that show up near us in a search collect your details and pass them along.
Our finance office arranges financing but doesn't fund it. Lenders review what we send, and no two read it quite alike. These pieces carry weight, and most of them are yours to control:
First-time buyers
No credit file yet? See what a lender studies when there's no history to read, and what to have with you on Pioneer Way.
Bankruptcy
Filed Chapter 7 or Chapter 13 in Grant County? The papers a lender will ask for, and the Eastern District's notice for new debt.
Lender checklists vary, so expect this list to grow or shrink by an item or two. From Othello it's about 25 miles up SR 17, and Quincy is closer to 40 by SR 281 and I-90, so it pays to arrive with the whole stack.
Do the quiz on this page, fill in the credit application from home, or phone (509) 765-3467 and ask for our finance office.
You can apply, and all credit types are welcome to. We pass your application to lenders that work with credit in your range. Whether to approve, and on what terms, is up to each lender, so approval isn't guaranteed.
That income can go on your application, and the lender decides how much of it counts. Regulation B treats Social Security and SSI as public assistance, and a lender can't use that source against you. Bring Social Security's benefit verification letter as proof.
No. We don't lend our own money or keep the loan. That's the job of banks, credit unions and auto finance companies, and if your own bank or credit union will lend to you, you can use that loan instead.
A lender that declines a completed application must share the reasons or explain how you can request them, generally within 30 days (Regulation B). Your credit reports are free at AnnualCreditReport.com; dispute anything that's wrong.
Not one that holds everywhere. Every lender sets its own standards, and the score is read alongside what you earn, what you owe, the loan amount and the vehicle (CFPB).
A lender's check can nudge your score a little. When several auto lenders check within a 14 to 45 day window, scoring generally counts those checks once (CFPB), so hold off until you're ready to buy, then wrap up your shopping in a few weeks.
No, and be wary of anyone who tries. According to the FTC, a lender worth trusting won't commit to a loan until it has your application, and an ad offering credit whatever your history looks like is a red flag.
Yes. The credit application is online. Once it's in, our finance office can tell you which documents the lender wants, so a single trip to 1200 S Pioneer Way covers it.
It's a sensible move. When a contract depends on financing, Washington gives the dealer four business days to accept or reject it, and a rejected deal means your down payment and trade-in come back to you (RCW 46.70.180). Ask whether the financing is final before you sign.
Our finance office does. It's simply the label Bud Clary Honda of Moses Lake puts on the way we work with buyers who have damaged credit, little credit or a bankruptcy in the past. No government agency or lender runs it.
The Fresh Start Finance Program is Bud Clary Honda of Moses Lake's name for how our finance team handles applications from buyers with bad credit, no credit or a past bankruptcy. Financing comes from outside lenders, which decide approval and terms, and approval isn't guaranteed. A negotiable documentary service fee in an amount up to $200 may be added to the sale price or the capitalized cost.
