You Can Ask Questions Before You Apply

Not sure what a lender will need or whether a vehicle is within reach? You can call our credit experts before completing an application. Tell us about your transportation needs, the budget you are considering and any concerns you want explained.

We serve Vandalia customers from our Troy dealership. Our goal is to help you understand the process, prepare for lender requests and consider any available options with clear expectations. You do not need to have a vehicle picked out to start the conversation.

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. That group connection brings access to a broad selection of cars, trucks and SUVs, with personal guidance from our Troy team.

For Vandalia drivers, our team can help connect the vehicle search with the financing discussion. We work with an extensive network of outside banks and financing companies so we can explore multiple lending sources for your application.

Look at the Car and the Cost Together

Begin with what you need the vehicle to do: daily commuting, carrying passengers or handling family errands. Browse our used vehicles and compare the equipment, mileage and available history information on the exact listings.

A listing price or monthly payment is only part of your budget. Include insurance, fuel and maintenance, and request an itemized purchase total. You can narrow your search with our vehicles priced under $20,000. Availability changes as vehicles are added and sold.

Know What Lender Review Means

Each lender has its own requirements. Credit history, income, debts, the down payment and the proposed vehicle can affect an application and available terms. Our team can explain document requests, but cannot promise an approval, rate or payment.

If an offer is available, ask about its APR, term, total payments and any fees or optional products. Cosigners are accepted and may help expand options, with repayment responsibility under the agreement. Visit our finance center for the full process.

Considering Buy Here Pay Here Near Vandalia?

Explore a newer, nicer vehicle with Dave Says Yes. Our outside-lender network and the Arbogast Group’s used-vehicle selection give you options to discuss with a credit expert, even if a previous credit setback has made you unsure where to begin.

We can help you understand any available financing terms alongside the vehicle you want to buy. Approval depends on lender review, your application and the transaction. Applying does not guarantee financing or reserve a vehicle.

Call Before Your Visit to Troy

Confirm your shortlist. Have the stock number or VIN ready when asking about a vehicle. Check availability and location. If a group listing is at another store, confirm whether it can be brought to Troy before traveling.

Prepare the right information. Identification, income and residence verification, and employment information may be requested. Ask which documents apply and confirm how to submit sensitive information.

Plan the next step. Our dealership is at 3520 S County Road 25A, Troy, OH 45373. Visit our contact page for directions or our financing FAQs for common questions.