Buy Here Pay Here
Considering Buy Here Pay Here? You Have More Options.
A Newer, Nicer Vehicle Starts With a Conversation.
Credit challenges shouldn’t stop you from exploring a vehicle you’re excited to drive. Before choosing a buy here pay here dealership near Dayton, talk with Dave Says Yes. Our Troy credit experts bring together an extensive lender network and access to the Dave Arbogast Group’s used-vehicle selection to help you explore what’s possible.
Approval and financing terms are subject to lender review.
Why Explore Dave Says Yes Before You Decide?
You may be searching for buy here pay here because a bank turned you down, your credit has changed or you need a fresh start. You’re welcome to apply here, too. Our goal is to help you explore a newer, nicer vehicle with financing you understand.
More Lenders to Explore
Our credit experts work with outside banks and financing companies. Different lenders have different requirements, giving our team multiple sources to explore for your application. Credit Acceptance is one of our lenders—not the only option.
More Vehicles to Consider
Through the Dave Arbogast Group, you can explore a broad selection of used cars, trucks and SUVs. Ask about a vehicle that fits your everyday needs, desired features and budget. Availability and financing eligibility vary by vehicle and lender.
Experts in Your Corner
You don’t have to figure out financing alone. Our team helps customers with credit challenges prepare for lender review, understand available terms and ask questions before deciding.
The Difference Is How Your Options Are Explored
Buy here pay here usually means the dealership finances the purchase through its own lending operation. It can be an option for customers with credit challenges. Inventory, payment arrangements and credit-reporting practices differ from dealer to dealer.
At Dave Says Yes, our team explores financing through an extensive network of outside lenders. That lets you discuss vehicle choices and available lender options together, with guidance from a credit expert. A credit challenge doesn’t tell the whole story of your transportation needs.
More lending sources do not guarantee approval or a lower rate. The advantage is having a team that can explore multiple sources and help you understand any available offer.
Compare the Whole Purchase—Not Just the Payment
A vehicle should work for your life as well as your budget. Consider its condition, mileage, history and features alongside the down payment, APR, loan length and total cost. Our team can explain the figures in an available offer and help you understand your vehicle choices.
Ask about available vehicle protection, too. Coverage, eligibility, exclusions and costs vary by vehicle and product. Review what is included and what is optional; financing approval and protection coverage are separate questions. Explore our vehicle protection information or speak with our team about a specific vehicle.
Your Payment History Matters
If establishing or rebuilding credit is part of your goal, ask whether the lender reports on-time payments and which credit bureaus receive that information. Reporting practices vary; don’t assume every financing arrangement works the same way.
When a lender reports an account, your payment history may affect your credit. On-time payments may help, while missed payments can hurt. No specific credit-score improvement is guaranteed. Our team can help you identify the lender and ask the right reporting questions.
Credit Challenges? Let’s Talk About Your Situation
Bad credit, limited credit, no credit or a past financial setback? Tell our credit experts what you’re working through and what you need from your next vehicle. Cosigners are accepted, and lender requirements vary.
For help with a specific situation, explore no-credit financing, financing after bankruptcy or our financing FAQs. This page helps you compare your buying options; our finance center explains how to get started.
Questions About Buy Here Pay Here Alternatives
Can I apply here if I’m considering buy here pay here?
Yes. Dave Says Yes welcomes applications from customers with credit challenges. Talk to a credit expert about your situation and the vehicle you need. Approval depends on lender review.
Can I explore a newer vehicle even with bad credit?
You can explore our available inventory and ask about financing for a vehicle you like. The vehicle, purchase amount and lender requirements affect your options; a particular model or approval cannot be guaranteed.
Will I get a lower payment or rate?
We can’t promise that. Compare the actual APR, down payment, payment schedule, loan term and total cost of available offers. Our team will help you understand the details before you decide.
Will my payments help build credit?
Yes! Our lenders report your payments to the credit bureaus, so making your payments on time can help you build or rebuild your credit. It’s another way your next vehicle can help you move forward.
Do I have to apply before talking with someone?
No. Call 937-980-0515 to speak with a Troy credit expert first. Ask about vehicle availability, lender review and what information to prepare.
Explore Your Options With Dave Says Yes
Before you settle on your next vehicle or financing arrangement, let’s talk. Visit Dave Says Yes in Troy, serving Dayton, Piqua, Sidney, Vandalia, Huber Heights and Springfield. Browse inventory, apply online or call a credit expert to explore your next step.
Dave Says Yes3520 S County Road 25A
Troy, OH 45373
937-980-0515
Our one Dave Says Yes dealership is located in Troy. View contact information and directions.
Approval, APR, down payment, and other financing terms vary by lender, applicant, vehicle, and transaction. Submitting an application does not guarantee approval or reserve a vehicle.