Financing Help for Dayton-Area Customers

You can start with a phone conversation or an online application before making the trip to Troy. Tell our team what you need from your next vehicle and ask what information lenders may request for your situation.

Dave Says Yes is part of the Dave Arbogast Group, giving you access to a broad selection of used cars, trucks and SUVs. Our team can help you consider the vehicle and financing together. Approval and terms depend on lender review, your application and the transaction.

Make Your Trip to Troy Count

Confirm the vehicle first. If you found a listing online, have its stock number or VIN ready when you call. Ask whether it is available and where it is located. Some group vehicles may be at another location; confirm whether it can be brought to Troy and arrange the next step before traveling.

Ask what to bring. Identification, proof of income, proof of residence and employment information may be requested. Requirements vary by lender. Our team can explain the document list and how to submit sensitive information.

Plan your visit. Our dealership is at 3520 S County Road 25A, Troy, OH 45373. Use our contact page for directions and current dealership information. Call 937-980-0515 to discuss your questions and confirm arrangements.

Considering Buy Here Pay Here in the Dayton Area?

Explore a newer, nicer vehicle with Dave Says Yes. Our extensive outside-lender network and access to the Arbogast Group’s used-vehicle selection give you options to consider with a credit expert at our Troy dealership.

Available vehicles and financing depend on your budget, lender requirements and the transaction. You can browse used vehicles or start with our selection priced under $20,000.

Get Answers Before You Apply

For the full process, documents and budgeting guidance, visit our finance center. Our financing FAQs answer common questions about down payments, cosigners and credit situations.

If bankruptcy is part of your situation, our bankruptcy financing guide explains what to discuss with our team and your attorney. You do not need to have every answer before calling.