Looking for a vehicle that can handle your lifestyle, your cargo, and Oregon’s unpredictable fall weather? You’re not alone. Drivers across Portland OR, Gresham OR, Happy Valley OR, Troutdale OR, and Sandy OR often find themselves choosing between two solid options: a used truck or a used SUV. 

Both are versatile. Both offer power and performance. But depending on how you drive, where you go, and what you haul, one may be the better fit. At Bickmore Auto, we walk buyers through this decision every day—and we’ve put together a simple breakdown to help you make the right call before fall adventures (and projects) kick into high gear. 

What to Consider: Truck vs. SUV 

1. Your Daily Use Case 

• Truck: Great for job sites, yard work, towing, and DIY projects 

• SUV: Better for school drop-offs, family trips, and all-weather commuting 

If you spend weekends landscaping, trailering, or hauling tools, a truck like the Ford F-150 is a smart, powerful choice. If your weekdays are more about grocery runs, soccer practice, and weekend hikes, an SUV may suit your needs better. 

Explore Ford F-150 Models 

2. Cargo Flexibility 

• Trucks: Open bed is perfect for oversized gear (lumber, gravel, etc.) 

• SUVs: Enclosed cargo area is better for securing smaller items and groceries 

For Oregon’s rainy season, SUVs offer better covered storage—but for serious haulers, a truck’s payload capacity can’t be beat. 

3. Passenger Capacity 

Most trucks seat up to 5 comfortably (unless you’re in a crew cab), while many SUVs offer: 

• Third-row seating 

• Room for 7–8 passengers 

• Rear climate controls and tech for kids or guests 

Shop SUVs with Third-Row Seating 

4. Towing and Off-Roading 

This is where trucks usually win. 

• Ford F-150: Tows up to 13,000 lbs depending on trim 

• Ram 1500 and Chevy Silverado: Serious workhorse options 

• SUVs like the Toyota 4Runner or Jeep Grand Cherokee also offer towing—but not to the same extent 

If you’re planning to pull a trailer, ATV, or boat this fall, a used truck may be the way to go. 

5. Fuel Economy and Ride Comfort 

• Most modern SUVs offer better fuel efficiency 

• Trucks, especially with 4WD, are heavier and consume more gas 

• SUV suspensions are tuned for comfort and family-friendly handling 

• Trucks can feel stiffer, especially when unloaded 

Browse Fuel-Efficient Used Vehicles 

Our Top Picks for Oregon Drivers 

Whether you’re navigating I-205 or back roads out in Sandy OR, here are some models our customers love: 

Trucks: 

• Ford F-150 – All-purpose power 

• Chevy Silverado – Towing muscle 

• Toyota Tacoma – Smaller profile, big capabilities 

SUVs: 

• Toyota RAV4 – Compact and efficient 

• Honda Pilot – Family-friendly with cargo space 

• Jeep Grand Cherokee – Off-road and comfortable 

Have a Trade-In? You’re Closer Than You Think 

If you’re stuck between a truck or SUV, your current vehicle may help make the decision easier. We’ll appraise it quickly, offer top trade value, and apply the difference to whichever vehicle fits best. 

Get Your Trade-In Estimate 

Easy Financing for Any Decision 

Whether you go truck or SUV, we make it easy to afford. Our team helps you: 

• Apply in minutes 

• Compare payment plans 

• Understand total cost of ownership 

• Secure terms that fit your monthly goals 

Apply for Auto Financing Today 

Final Thoughts: Which Is Right for You? 

Still not sure if you’re more “truck” or “SUV”? You’re not alone. Many of our customers don’t decide until they’re here, seeing and test driving both options. 

Let us help you figure out what’s best for your lifestyle, your budget, and your Oregon roads. 

Shop Used Trucks and SUVs Now 
Value Your Trade-In 
Get Pre-Approved 

If you’re thinking about buying a used vehicle in Portland OR, Gresham OR, Happy Valley OR, Troutdale OR, or Sandy OR, the last week of September is one of your best opportunities. Why? Because dealerships like Bickmore Auto are preparing for Q4 inventory shifts—and that means limited-time pricing and final markdowns on some of our most popular vehicles. 

From used trucks to third-row SUVs and efficient sedans, we’re making room for new arrivals and clearing out units before fall demand spikes. If you’ve been waiting for the right moment to make your move, this is it. 

Let’s take a look at what deals are still available, which vehicles are moving fast, and how to lock in the savings before the month ends. 

Why September Is a Smart Time to Buy 

1. Dealerships Are Closing the Quarter 

The end of September marks the end of Q3 for most dealerships. This is when sales teams are motivated to meet quarterly goals, often leading to extra flexibility on price, trade-in values, and financing terms. 

2. Inventory Is About to Change 

October brings different vehicle demands—more AWD SUVs, winter-ready trucks, and holiday shopping prep. As we shift into fall, we’re discounting inventory that won’t last another month. 

3. You Beat the Rush 

By buying now, you beat the October rush. Less competition = more time to test drive, negotiate, and choose from a wider selection. 

Shop Used Cars and Trucks Before They’re Gone 

Vehicles Selling Fast This Month 

Here are a few categories and models we expect to move quickly before October begins: 

Ford F-150 

• Best-selling truck for power and durability 

• Great for fall yard work, camping trips, and hauling 

• Excellent resale value 

Explore Ford F-150 Inventory Now 

Toyota RAV4 & Honda CR-V 

• AWD options available 

• Perfect for Oregon weather and family adventures 

• Fuel-efficient with solid cargo space 

Honda Civic & Toyota Corolla 

• Ideal commuter cars 

• Reliable, efficient, and affordable 

• Most models under $20K 

Chevy Silverado & Ram 1500 

• Trucks with serious towing and payload 

• Multiple trims available—often under $30K 

• Great value compared to new models 

Not sure what’s right for you? Our team will help you match budget, lifestyle, and features so you’re confident in your choice. 

Trade-In Values Remain Strong—For Now 

Used vehicle values remain strong across Oregon—but that won’t last forever. As the market shifts toward colder weather and new 2025 arrivals, trade-in values typically begin to soften. 

That means now is the time to get the most for your: 

• Older SUV or truck 

• Leased vehicle near its return date 

• Vehicle with mechanical issues (we’ll still buy it!) 

• Second vehicle you don’t need heading into winter 

Find Out Your Trade-In Value 

Financing Is Flexible—Even in the Final Week 

End-of-month financing doesn’t mean you’re rushed. In fact, lenders are often more motivated to approve loans and offer better terms before the new quarter begins. 

Whether your credit is excellent, rebuilding, or brand new, we offer: 

• Fast pre-approvals 

• Oregon-based lenders with great rates 

• Options for $0 down 

• Credit union partnerships for members 

You can apply online in minutes to lock in your approval—then visit the lot when you’re ready to test drive. 

Start Financing Now 

How to Make the Most of This Week 

1. Come Prepared 

Bring your current vehicle’s title (if you have it), driver’s license, and proof of insurance. Know your budget—and let us help guide you. 

2. Act Quickly 

The best deals are often first-come, first-served. If you’ve had your eye on a vehicle, don’t wait. Once October begins, the pricing may change—and the car might be gone. 

3. Don’t Be Afraid to Ask 

We’re here to help, not push. If you have questions about financing, trade-ins, or model comparisons, we’ll walk you through them step by step. 

Wrap Up the Month With a Smart Buy 

If you’re planning to buy a used car this fall, doing it before October could save you hundreds—if not thousands. From compact sedans to full-size pickups, this is the last call on September pricing at Bickmore Auto. 

And remember: we’re local, transparent, and ready to help you drive home happy. 

View End-of-Month Inventory 
Value Your Trade-In 
Apply for Easy Financing 

Long commutes are part of life for many drivers across Portland OR, Gresham OR, Happy Valley OR, Sandy OR, and Troutdale OR—but paying too much for a vehicle doesn’t have to be. If you’re looking for a commuter car that won’t empty your wallet, now is the perfect time to explore affordable, fuel-efficient options at Bickmore Auto. 

Whether you’re driving into the city five days a week, navigating I-205 during rush hour, or splitting lanes on back roads to Clackamas, the right commuter car can reduce your stress, save you hundreds per year in gas, and keep maintenance costs low. 

Here’s how to find the best used commuter car for your lifestyle—and how to finance one the smart way. 

What Makes a Good Commuter Car in Oregon? 

1. Fuel Efficiency 

If you’re logging miles every day, a car that gets 30+ MPG can save you thousands annually. Look for compact and midsize sedans or small crossovers known for excellent mileage. 

2. Low Cost of Ownership 

Parts availability, affordable repairs, and strong resale value matter. You want a car that’s reliable, not expensive to keep running. 

3. Comfortable Ride 

Smooth handling, quiet interiors, and supportive seats are crucial for anyone doing more than 30 minutes of daily drive time. 

4. Modern Tech 

Bluetooth, backup cameras, Apple CarPlay, and driver assist features are now standard on many affordable used vehicles. 

Top Commuter Cars Under $20K 

At Bickmore Auto, we hand-pick vehicles based on reliability, value, and how well they perform in daily driving scenarios. Here are a few of our top commuter-friendly choices: 

Toyota Corolla 

• 30+ MPG 

• Simple maintenance 

• Great resale value 

• Comfortable, quiet ride 

Honda Civic 

• Excellent fuel economy 

• Responsive steering 

• Long-lasting engines 

• Sleek, modern design 

Hyundai Elantra 

• Generous tech for the price 

• Available under $15K 

• Low insurance costs 

Mazda3 

• Known for sporty handling 

• Strong fuel efficiency 

• Stylish inside and out 

Browse Fuel-Efficient Used Cars Now 

What About Small SUVs? 

If you need cargo space or a higher ride height, there are still great options that won’t drain your gas budget: 

• Toyota RAV4: Reliable and holds its value 

• Honda CR-V: Comfortable and efficient 

• Mazda CX-5: Upscale feel at a modest price 

What If I Want to Trade In My Current Vehicle? 

Trading in your current vehicle—whether it’s a full-size SUV, an older sedan, or something that just doesn’t fit your needs anymore—is a great way to reduce your overall loan balance. 

At Bickmore Auto, we: 

• Offer competitive trade-in appraisals 

• Apply your vehicle’s value directly to your next purchase 

• Handle all DMV paperwork in-house 

Get Your Trade-In Value 

Easy Financing for Commuter Cars 

Don’t assume you can’t afford something newer and more efficient. Our team works with drivers throughout Troutdale OR, Happy Valley OR, and Sandy OR to match them with flexible payment options. 

Whether you’ve got a credit score in the 700s or you’re rebuilding after a few bumps, we’re here to help you drive away with confidence. 

Our Financing Includes: 

• Competitive rates from Oregon lenders 

• Low monthly payment options 

• First-time buyer programs 

• Pre-approvals before you visit 

Apply for Financing Today 

How to Shop Smart for a Commuter Car 

Here’s what to bring or ask about when you’re ready to test drive: 

• Your commute details: mileage, terrain, and hours 

• Desired tech: do you need Bluetooth? Navigation? 

• Fuel savings goals: set an MPG baseline 

• Budget boundaries: monthly payment comfort zone 

We’ll help you filter through our inventory and narrow it down to the vehicles that actually make sense for your daily drive. 

Why Choose Bickmore Auto? 

We’ve helped thousands of local drivers upgrade their commutes without overpaying. With inventory refreshed weekly and a staff that understands value over hype, you’ll always find vehicles that work hard—and go easy on your budget. 

From fuel-efficient compacts to small crossovers that drive like sedans, Bickmore Auto is your source for smart transportation solutions. 

Ready to Make Your Commute Cheaper and Smoother? 

The right commuter car pays you back every time you fill the tank—or skip another trip to the repair shop. 

Let’s help you drive smarter. 

See Reliable Used Cars Under $20K 
Value Your Trade-In 
Start Financing Online 

 

If you’re thinking about upgrading your vehicle in Portland OR, Gresham OR, or anywhere around Happy Valley OR, one big question may be stopping you: Can I trade in a car that still has a loan on it? 

The short answer is yes. In fact, many Oregon drivers who trade in their vehicles still owe money on them—and it’s a completely normal part of the car buying process. At Bickmore Auto, we help drivers in Sandy OR, Troutdale OR, and beyond understand how the trade-in process works, even if they still have a loan balance. 

This post will walk you through the essentials: how to trade in a car with a loan, what to expect, and how we make the process easy from start to finish. 

How Does Trading In a Car with a Loan Work? 

When you trade in a vehicle that still has a loan, your dealership pays off your remaining loan balance as part of the transaction. The process typically involves three steps: 

Step 1: Vehicle Appraisal 

We assess the trade-in value of your vehicle based on market demand, condition, mileage, and year. 

Step 2: Loan Payoff 

We contact your lender to get your payoff amount—the exact amount needed to satisfy your remaining loan. 

Step 3: Equity Calculation 

We subtract the payoff amount from your vehicle’s appraised value: 

• If your vehicle is worth more than the payoff, that’s called positive equity. It can be applied toward your next vehicle as a down payment. 

• If your vehicle is worth less than what you owe, that’s negative equity. This can still be rolled into your next loan. 

Value Your Trade-In Now 

Is It a Good Idea to Trade In with a Loan Balance? 

It depends on your situation, but in many cases, the answer is yes—especially if: 

• Your current vehicle no longer fits your needs 

• Repair costs are mounting 

• You want to lower your monthly payment 

• You’re ready to upgrade for safety, reliability, or fuel efficiency 

If you have positive equity, trading in is a smart way to reduce your financed amount. If you have negative equity, the key is to choose a used car with solid value and financing terms that work long-term. 

How to Find Out If You Have Equity 

It only takes a few minutes to find out if your vehicle has equity. Here’s what you need: 

• Your current loan payoff amount (available through your lender) 

• Your vehicle’s appraised value (we can provide this) 

Example: 

• Payoff amount: $9,000 

• Vehicle value: $11,000 

• Positive equity: $2,000 toward your next purchase 

Need help calculating? Our team will walk you through the numbers. 

Start with a Trade-In Estimate 

What Happens If You Have Negative Equity? 

You’re not alone—many Oregon drivers owe slightly more than their car is worth. At Bickmore Auto, we help customers with negative equity move forward by: 

• Rolling the balance into a more affordable vehicle loan 

• Helping you choose a vehicle that retains value and fits your needs 

• Offering financing options to keep payments within budget 

Our goal is to make sure your next purchase is a smart one—not just for today, but for the long run. 

Why Work with Bickmore Auto? 

We’re not just here to sell you a car—we’re here to make the process understandable and transparent. Our trade-in process is trusted by buyers across Portland OR, Troutdale OR, Happy Valley OR, Gresham OR, and Sandy OR because: 

• We offer fair, local appraisals 

• We handle all loan payoff paperwork 

• We help you navigate equity decisions 

• We pair your trade-in with real-time inventory matches 

Shop Our Inventory Now 

Can I Still Get Financing If I Have a Loan? 

Absolutely. We regularly help buyers trade in a vehicle with a loan and finance their next one on the same day. Our lenders work with a variety of credit scores and vehicle types. 

Apply for Financing Today 

Whether you want a reliable commuter car under $15K, a third-row SUV for the family, or a truck like the Ford F-150, we’ll work with you to structure a deal that works. 

Final Tips for Trading In a Vehicle with a Loan 

• Bring your 10-day payoff amount: This helps us get accurate numbers quickly. 

• Know your vehicle’s condition: Clean, well-maintained vehicles hold more value. 

• Ask about rebates or incentives: Some models qualify for extra savings when bundled with trade-ins. 

• Be realistic: If you have negative equity, focus on total monthly affordability—not just price. 

Ready to Upgrade Your Ride? 

If you’ve been driving something that doesn’t quite fit anymore—or if you’re just tired of making payments on a vehicle you don’t love—now’s the time to talk. 

We’re here to help Oregon drivers upgrade smart, even with a loan in hand. 

Start with Your Trade Value 
Shop Affordable Inventory 
Apply for Flexible Financing 

In today’s market, finding a reliable, affordable used vehicle under $15,000 might feel like hunting for a unicorn—but at Bickmore Auto, we help Oregon drivers make it happen every day. 

Whether you’re in Gresham OR, Portland OR, Troutdale OR, Sandy OR, or Happy Valley OR, you don’t have to sacrifice quality to stay within budget. We’ve built our reputation on offering dependable, budget-friendly vehicles backed by local service, financing flexibility, and no-pressure guidance. 

In this post, we’ll walk you through what to expect from a used vehicle under $15K, which models offer the best value in Oregon, and how you can get pre-qualified today without spending a dollar. 

Why $15K Is Still a Smart Budget in 2025 

The $15,000 price point is a sweet spot for Oregon buyers who: 

• Want a dependable commuter vehicle 

• Are first-time buyers or recent grads 

• Need a second vehicle for the household 

• Prefer to pay in full or with a low monthly payment 

While new car prices have soared in recent years, used vehicles under $15K are still widely available—if you know where to look and what to look for. 

What You Can Expect From a $15K Vehicle 

1. A Reliable Daily Driver 

Look for vehicles with good maintenance records, clean titles, and strong reputation for longevity. Think 2015–2018 model years with around 80K–120K miles. 

2. Fuel Efficiency 

Most sub-$15K vehicles are sedans or compact crossovers with excellent MPG ratings—perfect for commutes between Sandy OR and Portland OR. 

3. Modern Safety Features 

You can still find models with: 

• Backup cameras 

• Bluetooth connectivity 

• Stability and traction control 

• Side curtain airbags 

Shop Our Full Inventory 

Best Used Cars Under $15K for Oregon Drivers 

Our team has helped hundreds of drivers find the right vehicle on a $15K budget. Here are some of the best values available now or regularly featured at Bickmore Auto: 

Honda Civic 

• Fuel-efficient and low-maintenance 

• Comfortable for daily commutes 

• High resale value 

• Easy to find parts and service 

Toyota Corolla 

• Proven longevity (many last 200K+ miles) 

• Excellent gas mileage 

• Reliable and widely trusted 

Hyundai Elantra 

• Newer model years often fall under $15K 

• Sporty design with great warranty coverage 

• Smart interior tech 

Ford Fusion 

• Comfortable mid-size sedan 

• Available AWD options 

• Strong safety scores 

Nissan Sentra 

• Affordable to own and maintain 

• Good MPG for city and highway driving 

• Smooth ride and practical interior 

We also often carry compact SUVs and hatchbacks near this price point, depending on the month’s inventory. If you want cargo space with budget flexibility, our team can help you compare options. 

See What’s Available for $15K and Under 

Get the Most Value With a Trade-In 

If you’ve got a car you’re ready to move on from—even if it’s older or still financed—you may be closer than you think to driving away in something newer. 

We offer top-dollar trade-ins and will appraise your vehicle on the spot. You can even use your trade-in as a down payment to reduce your financed amount. 

Get Your Trade-In Value Now 

Financing Options for Every Budget 

At Bickmore Auto, we know a $15K budget often comes with a desire for low payments and short terms. That’s why we work with local lenders to find you: 

• Interest rates that work for your credit 

• Terms that fit your monthly goals 

• Quick, no-pressure pre-approvals 

• Bundled service plans for peace of mind 

We also work with first-time buyers, buyers with challenging credit, and anyone rebuilding after financial hardship. 

Start Your Finance Application 

What to Look for in a $15K Test Drive 

When shopping at this price point, make sure to: 

• Review service history and ownership records 

• Check tire condition and brake life 

• Test features like A/C, Bluetooth, lights, and cruise control 

• Ask about vehicle warranty options 

• Drive on both city streets and highways to listen for road noise and suspension issues 

We inspect every vehicle before it hits the lot, and our team is happy to walk you through inspection reports and answer any questions. 

Final Thoughts: Smart Buying Without Overpaying 

The used car market is always changing—but one thing stays constant: Oregon drivers deserve quality at every price point. At Bickmore Auto, we take pride in helping local buyers get into reliable vehicles they can trust, without pushing beyond their means. 

If you’re shopping with a $15K budget, you’ve got options—and we’re here to help you find the right one. 

Browse Affordable Inventory 
Get Trade-In Estimate 
Apply for Financing Today 

If your family’s starting to outgrow your current vehicle—or if your lifestyle demands more room—there’s one feature that can change everything: a third row of seating. Whether you’re hauling your kids’ friends to soccer practice in Happy Valley OR, heading into the mountains from Sandy OR, or organizing a weekend trip from Gresham OR, a three-row SUV gives you space without sacrificing style, comfort, or performance. 

At Bickmore Auto, we know what Oregon drivers are looking for in an SUV: smart cargo space, reliable safety features, and great value. This post will walk you through why a third-row SUV makes sense, what your best options are on the used market, and how to finance your next vehicle without stretching your budget. 

Why Oregon Families Are Choosing Third-Row SUVs 

More Space for Growing Families 

If you’ve got a growing family, extended family nearby, or simply need more seats for carpools, weekend trips, or road trips, a third-row SUV makes life easier. You’ll enjoy: 

• Seating for 7–8 passengers 

• Room for backpacks, groceries, or sports gear 

• Fold-flat options for extra cargo space when you need it 

A Smarter Alternative to a Minivan 

Not ready to jump into a minivan? Many of today’s three-row SUVs offer a sleek design, sporty feel, and all-wheel drive options, making them just as capable as they are family-friendly. 

Safe, Smart, and Built for Oregon Roads 

From rainy commutes in Portland OR to snowy routes outside Troutdale OR, third-row SUVs give you confidence behind the wheel. Many of our most popular models come with: 

• Advanced safety features like blind-spot monitoring and lane-keep assist 

• AWD capability for rough weather 

• Great visibility and ground clearance 

Best Used SUVs With Third-Row Seating 

We’ve helped families across Happy Valley OR, Gresham OR, and Sandy OR find the right vehicle at the right price. Here are some of our most popular used third-row SUVs—and why they’re such a smart pick. 

Toyota Highlander 

One of the most trusted names in family SUVs. 

• Seats up to 8 

• Great fuel economy for its size 

• Long-lasting reliability 

• Available AWD 

Honda Pilot 

Comfort meets cargo capacity. 

• Easy access to the third row 

• Known for ride quality and quiet interior 

• Available trims with rear-seat entertainment 

Ford Explorer 

Great for families who want a little more muscle. 

• Strong V6 engines 

• Spacious cabin with fold-flat third row 

• Great towing capacity for boats or trailers 

Chevy Traverse 

Big on space, easy on the budget. 

• Seats up to 8 with captain’s chair options 

• Tons of rear cargo room 

• Smooth ride for long commutes 

We often have these models—and more—rotating through our inventory. Check today’s availability to find what fits your family and your budget. 

Shop Third-Row SUVs Now 

How to Get the Most Value from a Trade-In 

Already driving an SUV or crossover that’s getting a bit tight? Trading it in now could give you the equity you need for a smooth upgrade into a third-row model. 

Value Your Trade-In Online 

Our trade-in process is quick and transparent. Whether your vehicle’s a little older or still under loan, we’ll help you put it toward something roomier—and more useful for your needs. 

Third-Row Seating and Flexible Financing 

Need space but worried about stretching your monthly payment? 

At Bickmore Auto, we work with Oregon buyers every day who are balancing growing families and tight budgets. Our in-house financing team helps you: 

• Pre-qualify without pressure 

• Explore flexible payment plans 

• Use trade-in value toward your down payment 

• Compare rates from multiple lenders in minutes 

You don’t have to guess what you can afford—we’ll walk you through it. 

Apply for SUV Financing 

What Should You Look for in a Family SUV? 

Not all third-row SUVs are created equal. Here are a few things to watch for during your test drive: 

• Access: Can kids get to the third row easily? 

• Legroom: Is the third row usable for adults on short trips? 

• Cargo Flexibility: Can you fold down part of the third row to create room for gear? 

• Tech: Do second- and third-row passengers get air vents, USB ports, or entertainment options? 

• Safety Ratings: Look for high marks from IIHS or NHTSA in crash tests. 

Our team can walk you through each model’s strengths—and help you decide which one makes the most sense for your lifestyle. 

Final Thought: More Room, More Possibilities 

A third-row SUV gives you more freedom, more flexibility, and more confidence when you’re out on the road with your crew. Whether you’re navigating rush hour in Portland OR or loading up for a camping trip outside Sandy OR, your next SUV should make every trip easier. 

Let us help you find one that fits your needs, budget, and driveway. 

View Third-Row SUVs 
Get Your Trade-In Estimate 
Start the Financing Process 

If you’re shopping for a used car in Portland OR, Gresham OR, Troutdale OR, Sandy OR, or Happy Valley OR, chances are you’re thinking about financing. Whether you’ve bought a vehicle before or this is your first time, one question pops up quickly: what credit score do you really need to finance a used car? 

The good news? You don’t need perfect credit to get approved at Bickmore Auto. In fact, you may be surprised at just how flexible your options are—especially if you understand what lenders are looking for and how to improve your chances of getting a loan that fits your budget. 

Why Your Credit Score Matters (But Isn’t Everything) 

Your credit score helps lenders understand how risky it might be to loan you money. Generally speaking: 

• 750+ = Excellent 

• 700–749 = Good 

• 640–699 = Fair 

• 580–639 = Subprime 

• Below 580 = Poor 

But while your score helps determine the interest rate and terms you’re offered, it’s not the only factor that lenders consider. Income, employment stability, debt-to-income ratio, and your down payment also play a big role. 

At Bickmore Auto, we work with a wide range of lenders—including those that specialize in helping buyers with low or rebuilding credit. 

Apply for Financing at Bickmore Auto 

What Credit Score Do You Really Need? 

For the Best Rates (700 and Up) 

Buyers with credit scores of 700 or higher typically qualify for the most competitive used auto loan rates—often between 4% and 6% depending on the lender and term. 

If your credit is in this range, you’ll likely enjoy: 

• Lower monthly payments 

• More lender choices 

• Greater negotiating power 

For Average to Moderate Rates (620–699) 

This is where many buyers land—and that’s okay. You can still qualify for great vehicles and affordable financing, especially when working with a dealer who understands how to present your application to lenders. 

At Bickmore Auto, we often help buyers in this range secure: 

• Reasonable rates 

• 48–72 month terms 

• Fair down payments 

• Loan structures that protect long-term equity 

For Challenging Credit (Below 620) 

Even if your score is under 620, you still have options. We help buyers every week who are: 

• Recovering from financial hardship 

• Rebuilding credit after a divorce or job loss 

• First-time car buyers with no credit history 

We work with lenders who look beyond the number and assess your ability to repay. 

What If You Don’t Know Your Credit Score? 

That’s not a problem. We can run a soft pull to check your score without affecting it. From there, our team can recommend: 

• Your best lender match 

• Loan terms you qualify for 

• Ways to improve your loan offer 

• Whether a trade-in or larger down payment can reduce your rate 

Find Out Your Financing Options Now 

How to Improve Your Approval Odds 

Whether you’re on the edge of qualifying or just want the best deal possible, here’s how to improve your chances: 

Bring a Trade-In 

Your current vehicle can act as a down payment—or reduce the amount you need to borrow. 

Get Your Trade-In Value Today 

Choose the Right Vehicle 

Lower-priced used cars and trucks are easier to finance and require smaller loans. Check out vehicles under $20K for budget-friendly options. 

Shop Inventory Now 

Get Pre-Qualified 

Use our secure form to apply in minutes. There’s no pressure—and you’ll get clarity on what you can afford before stepping foot on the lot. 

What Are Today’s Used Car Loan Rates? 

Used car loan rates in Oregon can vary widely based on credit tier, but here are some ballpark averages: 

Credit Tier	Estimated APR
750+	4.5%–6%
700–749	5.5%–7.5%
620–699	7.5%–11%
Below 620	11%–17%+

Bickmore Auto shops your application across multiple lenders, so we can compare offers and get you the best possible deal. 

Why Choose Bickmore Auto for Financing? 

We’re more than just a dealership—we’re a resource. Buyers across Portland OR, Gresham OR, Happy Valley OR, Troutdale OR, and Sandy OR choose us because we offer: 

• Fast approvals 

• Fair and upfront pricing 

• Trade-in value transparency 

• Options for buyers with all credit types 

• Friendly support from real, local people 

And with inventory that includes fuel-efficient cars, family-ready SUVs, and tough trucks like the Ford F-150, you’ll always have options that fit your needs and your payment range. 

You’re Closer to Financing Than You Think 

Don’t let your credit score stop you from buying a car you love. Whether you’re just starting to build credit or need a second chance, Bickmore Auto will help you drive away with confidence. 

Shop Inventory 
Value Your Trade-In 
Apply for Financing 

Fall in Oregon brings cooler temperatures, unpredictable weather, and a new wave of home and property improvement projects. Whether you’re hauling gravel in Gresham OR, collecting lumber in Sandy OR, or prepping your backyard in Troutdale OR, a reliable used truck can make the difference between a job done and a job well done. 

At Bickmore Auto, we’re known throughout Portland OR, Happy Valley OR, and the surrounding areas for stocking dependable used trucks that are ready to work as hard as you do. This September, our inventory is packed with models built for hauling, towing, and handling Oregon’s fall terrain. Here’s what you need to know about choosing the right one. 

Why Fall Is the Right Time to Buy a Truck in Oregon 

Project Season Is in Full Swing 

Yard work, deck repairs, and dump runs are top priorities before the rainy season fully kicks in. Having a truck makes loading and transporting materials more efficient—without having to wait on costly deliveries. 

Roads Are Changing with the Weather 

Wet leaves and slick pavement demand better traction. Four-wheel drive becomes essential by October, making September the ideal time to shop before demand—and prices—go up. 

Truck Inventory Is Strong in Early Fall 

Our lot typically has its highest truck selection in September, giving you more choices in terms of make, model, and price before year-end inventory turnover. 

Shop All Used Trucks Now 

What to Look for in a Fall-Ready Truck 

A work-ready truck for the Oregon season should check a few boxes: 

• 4WD or AWD to handle wet roads, hills, and gravel 

• Towing capacity for trailers, boats, or project gear 

• Extended or crew cab for tool storage or extra passengers 

• Bed liner or toolbox for added protection and convenience 

• Durable suspension to tackle everything from urban job sites to rural lots 

Whether you’re on a budget or ready to upgrade to a newer model, we’ve got options that fit both work and family life. 

Oregon’s Favorite Trucks for Fall Projects 

Ford F-150 

Still the undisputed champ for all-purpose reliability and value. Features include: 

• Multiple engine choices (including EcoBoost options) 

• Crew cab comfort 

• High towing and payload ratings 

• Good fuel economy for its size class 

Explore Ford F-150 Models Near Portland OR 

Chevrolet Silverado 1500 

Built for performance and towing, the Silverado is a great pick for serious work. Popular trims include options for upgraded suspension, trailering equipment, and on-the-go tech. 

Toyota Tacoma or Tundra 

• Tacoma: Small but mighty, great off-road, easy to maneuver 

• Tundra: Full-size, tough, dependable, and long-lasting 
  Oregon drivers appreciate the rugged build and high resale value. 

Want to Trade In Your Current Vehicle? 

Your sedan or SUV may not be built for project season—but that doesn’t mean it’s lost value. Bickmore Auto is actively buying trades this fall, offering: 

• Fair market value even on high-mileage vehicles 

• Same-day appraisals 

• Ability to apply trade value toward any used truck purchase 

Value Your Trade Today 

Financing a Used Truck Is Easier Than You Think 

Whether you’re a contractor, property owner, or weekend DIYer, you can own a quality used truck with affordable monthly payments. We offer financing options for all credit backgrounds, with quick approvals and a simple online application. 

Our Financing Process Includes: 

• Multiple lender options 

• Low down payment flexibility 

• Credit building programs 

• Extended service packages available 

Use our finance calculator to estimate monthly payments today. 

Apply for Truck Financing Now 

Final Thoughts: Ready to Tackle Your Fall Project List? 

Fall is short in Oregon—and the smart move is to gear up now. Whether you’re shopping from Portland OR, Troutdale OR, or Happy Valley OR, Bickmore Auto has a truck ready for your tools, your team, or your to-do list. 

Stop by, test drive your top picks, and take advantage of early fall inventory and trade-in values before the rush begins. 

Browse Trucks Now 
Value Your Trade 
Start Your Financing Application 

 

For car buyers in Portland OR, Gresham OR, Happy Valley OR, Troutdale OR, and Sandy OR, timing your purchase can make a real difference in what you pay—and what you drive away with. If you’ve been wondering whether now is the right time to buy a used vehicle, the short answer is yes. September is one of the smartest months of the year to purchase a used car, and we’re breaking down exactly why. 

Whether you’re looking for a fuel-efficient commuter, a family-ready SUV, or a workhorse pickup truck, the fall season opens up serious opportunities for savings, financing flexibility, and trade-in leverage. Here’s what makes September such a strategic time to upgrade your vehicle. 

Why September Is a Buyer’s Market for Used Cars 

Unlike high-pressure sales events that center around holiday weekends or tax return season, September brings quieter foot traffic to dealerships—which puts you in a stronger negotiating position. Here are a few reasons why: 

1. Dealerships Are Clearing Inventory 

September is the tail-end of the third quarter for most auto dealerships. That means stores like Bickmore Auto are preparing for end-of-year inventory turnover. We need to make room for winter vehicles, which means our existing inventory is priced to move. 

Shop Our Full Inventory Now 

2. Trade-In Values Are Still Holding Strong 

Used vehicle values are typically higher through late summer and early fall before softening in the winter months. If you’ve been thinking about trading in your current ride, now’s the time to act before values dip. 

Get Your Vehicle’s Trade-In Value Today 

3. Lenders Want to Close the Quarter Strong 

Just like dealerships, many local banks and credit unions are eager to hit lending targets, especially heading into Q4. That opens the door for better interest rates, more flexible down payments, and stronger approval odds for used car buyers. 

Apply Now for Used Car Financing 

Who Benefits Most from Buying in September? 

While everyone can take advantage of early fall savings, a few buyer profiles will get the biggest bang for their buck this month: 

• Commuters looking to downsize from gas-guzzlers to more fuel-efficient sedans or hybrids 

• Families in need of third-row seating for school year carpooling 

• Tradespeople preparing for a busy fall season who need reliable pickup trucks like the Ford F-150 

• First-time buyers hoping to lock in flexible financing before holiday season expenses hit 

If you fall into any of these categories, now is the time to get behind the wheel of something newer, safer, and more comfortable—without overspending. 

What Vehicles Are Best to Buy in September? 

Here at Bickmore Auto, our September inventory is full of high-demand models that are both reliable and budget-friendly. Some of our most popular fall-ready options include: 

Trucks 

• Ford F-150: Perfect for work and weekend hauling, especially with 4WD for wet weather. 

• Toyota Tacoma: Known for durability and strong resale value. 

• Chevy Silverado: Excellent towing capacity and roomy cab options. 

SUVs 

• Toyota Highlander: Great for families who need extra space. 

• Subaru Outback: Handles Oregon’s changing seasons with confidence. 

• Honda CR-V: A smart balance of comfort, efficiency, and cargo space. 

Sedans 

• Toyota Corolla & Honda Civic: Ideal for students and commuters. 

• Hyundai Elantra: Tech-savvy, affordable, and dependable. 

• Nissan Sentra: Comfortable and fuel-efficient with a smaller monthly payment. 

Explore What’s on the Lot Now 

What If I Need Financing? 

You don’t need a perfect credit score to buy a car at Bickmore Auto. We work with buyers at all stages of credit history—from first-time borrowers to customers rebuilding after financial setbacks. 

We help buyers in Gresham OR, Portland OR, Happy Valley OR, Troutdale OR, and Sandy OR get pre-approved every day through our easy online application process. 

• Get approved before you visit the lot 

• Choose a payment plan that fits your budget 

• Use your trade-in as your down payment 

• Bundle vehicle protection and service plans 

Start Your Finance Application Now 

Why Wait? 

If you’re even thinking about upgrading your current vehicle, September is your moment. As the weather cools down and the pace of dealership traffic slows, smart buyers know this is when real deals happen. You’ll have more time to test drive, compare options, and negotiate a better deal. 

And with strong trade-in values still holding, lower-than-average interest rates, and inventory you won’t see again before winter, this could be your best opportunity of the year to make your move. 

Check Inventory Now 
Get a Trade-In Offer 
Apply for Financing 

August may be winding down, but there’s still time to land an incredible deal on your next vehicle—if you act fast. Whether you’ve been eyeing used trucks in Gresham, family-friendly SUVs in Happy Valley, or just want something fuel-efficient for commuting across Portland, this is your final chance to take advantage of August inventory and financing offers. 

At Bickmore Auto, we’re closing out the month with markdowns across our entire lot, top-dollar trade-in offers, and flexible financing for all credit types. These deals won’t last into September, so now is the time to make your move. 

Why End-of-Month = Smart Buying Time 

Car dealerships—ours included—work on monthly sales cycles. That means: 

• Managers are motivated to hit sales goals 

• Lenders are approving deals faster 

• Inventory must move to make room for fall arrivals 

• Trade-in bonuses and price reductions are active until month’s end 

If you’ve been putting off your decision, the next 48 hours could be the difference between paying more next week or saving hundreds today. 

What’s Still Available? 

Here’s a look at what’s still on the lot—but moving fast: 

Used Trucks in Gresham 

Still need a capable pickup before the rainy season? We’ve got Ford F-150s, Chevy Silverados, and Ram 1500s ready to roll. 

• 4WD models for job sites and weekend projects 

• Crew cabs with room for family or coworkers 

• Towing packages for utility trailers and campers 

Explore Ford F-150 Models Near Portland Before Fall Markdowns 

Family SUVs Near Happy Valley 

Carpool season is around the corner. Secure a reliable SUV with space, tech, and safety features for the whole crew. 

• Subaru Outback and Forester 

• Toyota RAV4 and Highlander 

• Honda CR-V and Pilot 

Many under $30K, with options for all-wheel drive and third-row seating. 

Shop SUVs for Growing Families 

Fuel-Efficient Cars for Commuters 

Still driving that gas guzzler? Make the upgrade before fall traffic hits. 

• Toyota Corolla and Prius 

• Hyundai Elantra 

• Honda Civic 

• Kia Forte 

Multiple models available under $20K with modern tech and great MPG. 

Browse Commuter Cars Under $20K 

Trade-In Bonus Days Are Almost Over 

Until the end of the month, we’re still offering: 

• Above-market trade-in values for clean vehicles under 100K miles 

• Fast same-day appraisals 

• The option to apply your trade value as a down payment or cashback 

Whether you’re trading out of a family van or looking to upgrade your commuter car, we’ll help you maximize your trade-in value today. 

Get a Free Trade-In Estimate 

Financing? We’re Making It Easy 

Through our EZ financing program, you can: 

• Apply in minutes from your phone or desktop 

• Get same-day approval in most cases 

• Compare loan options from local banks and credit unions 

• Finance with little or no money down (OAC) 

Use our finance calculator to see what fits your monthly budget—then come lock in your rate before September program changes. 

Labor Day Is Coming—But the Real Deals Are Right Now 

Don’t wait for the holiday rush to start. By Labor Day, some of our best inventory will be gone, and early fall demand will push prices back up. If you want the best pricing, best selection, and fastest financing, now is the time to act. 

Apply Now for EZ Financing 
Use Our Finance Calculator 
Explore Ford F-150 Models Near Portland Before Fall Markdowns