Your Auto Credit Experts - Our Process

Bad Credit Car Loans for the Portland Metro Area and Southwest Washington

Why Dick Says Yes

At Dick Says Yes, we specialize in assisting customers with credit challenges. We believe that you are more than your credit score. When you work with us you are family. Unlike many other dealerships, we were specifically established with a primary focus on handling and supporting credit-challenged files. Our expertise lies in understanding and navigating the complexities of various credit situations, making us uniquely equipped to assist customers who might have faced difficulties obtaining financing elsewhere. We believe that everyone deserves a chance to own a reliable vehicle, regardless of their credit history, and we're dedicated to making that a reality for our customers

We Help You Get a Car Loan – No Matter Your Credit History

At Dick Says Yes, we believe that everyone deserves a chance to own a reliable vehicle, regardless of their credit history. Our dedicated team specializes in finding car loan solutions for a variety of life circumstances. We’re committed to making the process easy, quick, and stress-free.

Easy, Quick & Free

Our process is designed to be as straightforward and hassle-free as possible:

  • Fast Approval: Get approved in as little as 24 hours. Our efficient process ensures you won’t have to wait long to find out where you stand.
  • Private: We understand credit is a touchy subject and we never share your information outside of our lenders.
  • No Obligations: Just because you’re checking your options doesn’t mean you’re obligated to proceed. We provide you with the information you need to make and informed decision.

At Dick Says Yes, we’re more than just a car dealership; we’re your partner in navigating the path to car ownership, regardless of your credit history. Let us help you get back on the road with confidence and ease.

Simple, fast, & secure auto financing…get answers!

no hassle, risk free. No social security required. no solicitation headaches.

Our Process

Secure A Lender
Credit Check
Build A Deal

Our Inventory

At Dick Says Yes, we have inventory from our 14 Dick Hannah locations as well as new Nissan vehicles at our Dick Says Yes, Oregon location. Typically, our lender’s will want to see you in something newer, with lower mileage because statistically, those vehicles are more reliable during the term of the loan. Our pricing is always competitive, and we offer inventory at all price points. At any given time, customers can choose from over 600 used vehicles, including trucks, SUVs, sedans, coupes, and luxury vehicles. This vast selection ensures that we can meet a wide range of preferences and requirements, making it easier for you to find the perfect car that fits your lifestyle and budget.

View Inventory

Reviews from Washington and Oregon Drivers

Customer headshot of Skye
Amazing. My credit was significantly lower than I thought and I still got what I wanted with lower payments than I expected. The whole team here goes above and beyond.

- Skye Maley-Hanson

Frequently Asked Questions

To streamline the process of securing a car loan, customers should bring a few key documents when they visit us. These include a valid driver's license, the most recent paystub as proof of income, proof of residence, and insurance details. Having these documents readily available helps us to process your loan application quickly and efficiently.

We work with a variety of lenders, from lenders that specialize in challenged credit to lenders that have first time buyer programs and even credit union’s that we’ve built local relationships with. Though we have access to a huge number of lenders, we are well versed in which bank matches with your specific situation and utilize our knowledge to your benefit.

A car loan will influence your credit score depending on how you make your credit An auto loan is one of the fastest ways to increase your credit score. It is an installment loan and outside of a home loan, the highest dollar amount of an installment loan you can get. The collateral portion matters because it contributes to your “credit mix” or diversity of items on your credit bureau. Some customers have no current lines, some have previous auto loans, but most have just credit cards or unsecured loans, so adding a secured loan or re-establishing the loan history.