Bad credit doesn’t mean you should rule out financing. Our credit experts work with an extensive network of outside lenders that review your application and vehicle selection. Your credit history is part of the review; income and other lender requirements also matter. Apply online or talk with our team about your situation. Approval and terms are subject to lender review.

Yes. Having little or no borrowing history does not prevent you from applying. Our team can explain what information lenders need and explore available options. A cosigner may help, but whether one is needed depends on the lender’s review.

Yes. Whether you already have credit or are just getting started, our team can explain the application, documents and financing terms. Tell us about your transportation needs and budget so you can consider available vehicles and financing options.

Yes. A cosigner may help strengthen your application and expand the options available. You don’t need to assume every applicant requires one; lender requirements vary. A cosigner shares repayment responsibility under the agreement, so both people should understand the obligation before signing.

Yes. Tell our team whether your bankruptcy is open or discharged. Financing options and any required documents or authorization depend on your circumstances and lender requirements. Read our bankruptcy financing information or contact a credit expert.

No. You’re welcome to apply after a repossession. Our team can discuss your current situation and explore whether options are available through our lenders. Approval remains subject to review.

Yes. A decision elsewhere does not prevent you from applying at Dave Says Yes. Different lending sources may have different requirements, but a new application does not guarantee a different outcome.

Yes. We welcome customers across the credit spectrum. Our team can help you explore financing through our outside-lender network and understand any available terms.

No. Buy here pay here dealerships typically handle financing in-house. Dave Says Yes works with an extensive network of outside banks and financing companies. Our credit experts can explore options through multiple lending sources.

Your down payment depends on your application, the lender and the vehicle you choose. Different vehicles or financing options may have different requirements. Our credit experts can help you understand any available option so you can consider the down payment alongside the vehicle price and full financing terms.

Your APR and payment depend on the available lender offer, amount financed, down payment and loan term, along with your application and vehicle. When reviewing an option, compare the vehicle price, down payment, APR, payment schedule, fees and any optional products—not just the monthly payment.

No. Approval and financing terms are subject to lender review. Submitting an application does not guarantee financing or reserve a vehicle.

Have identification, proof of income, proof of residence and employment information ready. Ask our team which documents are acceptable for your lender and whether anything else is needed before your visit. Use a method confirmed by our team when sharing sensitive documents.

Use our online financing application and review its disclosures before submitting. If you have questions first, call 937-980-0515 to speak with a credit expert.

The next step is to discuss your application and vehicle needs with our credit experts. Be ready to provide any additional information requested and review available options. Call 937-980-0515 if you have questions or want to arrange a visit. Submitting an application is not an approval; available terms depend on lender review.

A full credit application and a prequalification tool may use different credit inquiries. Review the disclosures for the specific option you choose, and ask our credit experts about the inquiry before submitting. Do not assume every financing form has the same credit impact.

Absolutely. Call 937-980-0515 during dealership hours or send our team a question. Our credit experts can explain how to get started and what to prepare.

We have one Dave Says Yes location: 3520 S County Road 25A, Troy, OH 45373. View current hours and directions before your visit.