A Conversation Before a Decision

You may know exactly what vehicle you want—or just know that your current one needs replacing. Either way, start by telling us about your driving needs, budget and questions. Our team serves Sidney customers from our dealership in Troy, Ohio.

Bad credit, no credit or an earlier financial setback? You are welcome to explore your options. We can explain what an application involves and help you understand any available offer before you decide.

We’re #1 in the Dayton Area for a Reason.

Dave Says Yes is part of the Dave Arbogast Group—#1 in the Dayton area for combined used-vehicle sales. Our group connection gives you access to a broad selection of used cars, trucks and SUVs, with guidance from the Dave Says Yes team.

For Sidney shoppers, we bring vehicle choices and financing help into the same conversation. Our credit experts work with an extensive network of outside banks and financing companies, giving our team multiple lending sources to explore.

Make Your Vehicle Budget Work Beyond the Payment

Before narrowing your search, consider the full cost of owning the vehicle. Insurance, fuel, maintenance and tires all belong alongside the car payment. Leave room for other expenses rather than choosing a vehicle based only on the amount a lender may offer.

Compare our current used vehicles or begin with the selection priced under $20,000. Check the exact listing’s mileage, features and available history information. Inventory and prices may change.

Financing Help for the Situation You’re In Today

Lenders may consider credit history, current income, debts, a down payment and the proposed vehicle. Each has its own requirements. Our team can explain requested documents and discuss whether a cosigner may help; adding one does not guarantee approval.

If financing is available, review the APR, loan term, down payment, total payments, fees and optional products. Visit our finance center for a fuller explanation or our financing FAQs for common questions.

Considering Buy Here Pay Here Near Sidney?

Explore a newer, nicer vehicle with Dave Says Yes. Our credit experts can help you look at outside-lender financing and the Arbogast Group’s vehicle selection together, with your needs and budget guiding the discussion.

A past credit issue or a previous denial is something to discuss with our team. You are welcome to apply, but approval and financing terms depend on lender review, the vehicle and the transaction.

Plan Your Next Step Before Leaving Sidney

Talk about the listing. Call with the stock number or VIN of a vehicle you want to see. Confirm its availability and location. Some group vehicles may be at another store; ask whether they can be brought to Troy and confirm arrangements before traveling.

Ask about paperwork. Identification, income and residence verification, and employment information may be requested. Requirements vary by lender. Confirm the document list and submission method before sharing sensitive information.

Choose when to apply. You can ask questions first or start your application online. An application does not reserve a vehicle or guarantee approval. Our contact page has directions and dealership information.