You Deserve to Understand Your Options

Credit concerns can make it hard to know where to start. You may need a vehicle soon but want to understand what applying involves before making a trip. Call our team with your questions about documents, vehicle choices and lender review.

Dave Says Yes serves Springfield-area customers from our dealership in Troy. Tell us what you need the vehicle for and what costs you are comfortable taking on. We’ll help you understand the next step, whether you are ready to apply or still exploring.

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 provides access to a broad used-vehicle selection, with personal guidance from the Dave Says Yes team.

For Springfield shoppers, our team brings that selection together with an extensive network of outside banks and financing companies. We can help you consider vehicle needs and financing in the same conversation.

Make a Shortlist Before You Make the Trip

Browse our current inventory and save the listings you want to discuss. Compare price, mileage, features and available history information. Have the stock numbers or VINs ready when you contact us.

If you need more passenger space, explore our used SUVs. For a listing-price budget, start with vehicles priced under $20,000. Confirm availability and the exact location of each vehicle before leaving Springfield.

Talk Through Financing Before Making a Decision

Our credit experts can explain the information lenders may request and help you review any available offer. Lenders consider the application and proposed vehicle using their own requirements; we cannot promise approval or a specific rate or payment.

Look beyond the monthly payment. Compare the APR, loan term, total payments, down payment, fees and optional products, and allow for insurance, fuel and maintenance. Our finance center explains the full process.

Considering Buy Here Pay Here Near Springfield?

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

A bankruptcy, previous repossession or limited borrowing history is something you can bring into the conversation. Cosigners are accepted and may help expand options, depending on lender review. Approval and terms vary by application, vehicle and transaction.

Prepare Once You’ve Spoken With Our Team

Confirm the visit details. Some group listings may be at another store. Ask whether a vehicle can be brought to Troy and confirm arrangements before traveling. Applying online does not reserve a vehicle.

Check what documents apply. Identification, proof of income, proof of residence and employment information may be requested. Ask our team for the lender-specific list and confirm how to submit sensitive information.

Keep your questions handy. Ask about anything you do not understand before signing. Visit our financing FAQs for common questions and our contact page for directions to 3520 S County Road 25A, Troy, OH 45373.