Finding the right car loan with credit concerns or bad credit can often be confusing.  Dave Arbogast is here to answer all your questions and to help you make an informed decision.

Frequently Asked Questions concerning Dayton, Ohio Car Loans.

Having credit concerns can be frustrating enough, not to mention feeling unsure of what is possible when searching for a new or used car loan.  Dave Arbogast has been answer credit concern questions to the Dayton, Ohio area and the Miami Valley for over 15 years.  Here are some common questions that you may also have:

I have less than perfect credit and need second chance auto financing. Does Dave Says YES do bad credit car loans?

I'm considering filing bankruptcy, or I just filed for bankruptcy. What are my chances of getting a bankruptcy car loan?

How do I apply for online bad credit auto financing through Dave Says Yes?

How is Dave Says Yes superior to other companies that offer bad credit car loans?

How can I know that I'm getting the best financing available?

How can I choose the best lender?

How quickly can I get approved and buy my car?

What's a credit report, and why is it important?

What's a credit score?

Why is it important to re-establish my credit?

How can I re-establish as quickly and effectively as possible?

 

I have less than perfect credit and need second chance auto financing. Does Dave Says Yes do bad credit car loans?  All day long, every day, bad credit auto loans are what we do best.  If you've experienced divorce, recent bankruptcy, charge-offs, repossession, foreclosure, late payments or have very little credit at all, you're in the right place.  Through the years, we've helped literally thousands of Dayton, Ohio credit-challenged people get great credit and great cars. Apply here to get credit, or call us today at 1-800-816-1647.

I'm considering filing bankruptcy, or I just filed for bankruptcy. What are my chances of getting a bankruptcy car loan?  In a word: Excellent  Even if your bankruptcy discharge hasn't happened yet.  Since 1993 we've been helping your friends and neighbors around the Miami Valley to get the good credit they deserve after filing bankruptcy, whether bankruptcy chapter 7 or chapter 13.  Apply now for more information about our Bankruptcy Approval program, or go right ahead and get credit!

How do I apply for online bad credit auto financing through Dave Says Yes?  Simple. Just Apply Here for our online application, and you're on your way!

How is Dave Says Yes superior to other companies that offer bad credit car loans?  It comes down to choice, power and expertise.  Some lenders can get you a loan approval, but can't find a vehicle that works for the loan - or at least they can't find a vehicle that you'd ever want to drive.  On the other hand, some dealers have a decent selection of vehicles, but have very limited financing options.  Dave Says Yes combines unmatched lending power (like having our own finance company compete with numerious national lenders for your loan) with your choice of top-quality cars, trucks and SUVs from one of the largest dealerships in the Dayton, Ohio area. Since 1993, we've been getting Miami Valley residents the credit they've needed for the cars they've wanted.

How can I know that I'm getting the best financing available?  Getting credit through Dave Says Yes is unlike any other credit you've ever received.  With a single click or call, our own finance company fights with numerous national lenders for your loan, giving you instant access to the most competitive financing terms anywhere.  And it all starts here, Apply Now!.

How can I choose the best lender?  Re-establishing your personal credit is your personal business, so consider a potential lender the way you would consider a possible business partnership. A good lender will:  1) Base lending decisions on attributes other than just your credit score or a serious credit problem that you may have had recently, such as bankruptcy, 2) Approve you for a loan that fits your budget comfortably, 3) Charge simple interest, which means that you're rewarded -not penalized- for making early payments, 4) Reward successful efforts to re-establish, for example, by lowering your rate as you make payments on time and 5) Report to the credit agencies monthly, making each of your on-time payments a step toward re-establishment...
Dave Says Yes offers you all of this, and more!

 
How quickly can I get approved and buy my car?  This is the fastest way available anywhere.  Once you've applied and been approved, it's simply matter of meeting the requirements of the loan agreement.  If all your documentation (such as paycheck stubs, a valid driver's license, proof of residence, etc.) is in order and you are ready to purchase, you can select your vehicle, and drive home right away.

What's a credit report, and why is it important?  Credit reports serve as the main tool in determining a loan applicant's creditworthiness. Your credit report gives month-by-month detail on loans or credit lines you've opened with lenders, showing how well your debts have been paid.  Credit reports typically contain the following information:  1) Your name, telephone, residence history, DOB & SSN, 2) A detailed history of your past & present loan accounts, 3) Public records such as liens, judgments & bankruptcies, 4) Your credit score, 5) Your credit report is usually the first place that your potential lenders and employers will check to determine whether to loan you money or hire you, respectively.

What's a credit score?  Your credit score is a numerical rating (from 350 to 900) of your creditworthiness, based on the data included in your report. The score is used to provide potential lenders with the means to evaluate credit risk quickly and objectively:  A higher score typically indicates a better credit history, with lower risk involved in extending credit to the applicant.


Why is it important to re-establish my credit?  At some point, most Americans will need credit in order to obtain the things that help us to live life more fully:  Home purchase or improvements, Education, Transportation, Furniture and appliances, Cell phone and Internet access.  Unless you can somehow manage to lead a full and rich life on a cash-only basis, you'll need to re-establish your creditworthiness in the eyes of your potential lenders.

How can I re-establish as quickly and effectively as possible?  Time alone doesn't restore your good credit.  Your credit score and creditworthiness will tend to improve the fastest with on-time installment payments on higher lines of credit, such as those used for mortgages and automobile loans.  And your best and quickest access to the type of credit you need is here, Apply Now!  But remember: Once you get credit, use it wisely, and pay all of your bills on time, every time.

Click Here to the Dave Says YES Homepage.