Credit Acceptance Auto Financing
A Fresh Start With Credit Acceptance and Dave Says Yes
Credit Acceptance Auto Financing Near Dayton
A credit setback shouldn’t keep you from having a conversation about your next vehicle. Dave Says Yes works with Credit Acceptance to help customers explore auto financing, with personal guidance from our credit experts in Troy. Tell us what you need, ask your questions and let our team help you take the next step.
Approval and financing terms are subject to lender review.
A Financing Relationship That Gives You Another Way Forward
At Dave Says Yes, helping people work through credit challenges is an important part of what we do. Our relationship with Credit Acceptance gives our team another financing option to explore for customers who may have difficulty qualifying through traditional channels.
Credit Acceptance works through participating dealerships to make vehicle financing available to buyers across a range of credit situations, including bad credit or limited credit history. Our team helps you connect that financing opportunity with a vehicle that meets your everyday needs.
Credit Acceptance is one option in our extensive lender network. We’ll discuss your situation and explore available options rather than expect you to figure out the financing process on your own.
You Bring Your Needs. We Bring Personal Help.
You may need a car for work, an SUV for your family or a replacement for a vehicle that is no longer dependable. Start there. Tell us about your transportation needs, the payment you are comfortable considering and any concerns about applying.
As part of the Dave Arbogast Group, Dave Says Yes offers access to a broad selection of used cars, trucks and SUVs. Our credit experts help you consider vehicle choices and financing together, explain requested information and walk you through any available offer.
Before you make the trip to Troy, we can confirm a vehicle’s availability and location and discuss what to bring. View our used inventory or call 937-980-0515 to get started.
How Financing Through Credit Acceptance Works Here
Start with Dave Says Yes. Call our team or complete our financing application. Tell us if you are interested in Credit Acceptance or have already prequalified through its website.
Explore a vehicle and an available offer. Our team can review your application, discuss requested documentation and help identify vehicle choices for the proposed transaction. We’ll explain the down payment, monthly payment, APR and financing term before you decide.
Know what comes next. If you complete a purchase financed through Credit Acceptance, you make your account payments to Credit Acceptance. Before you leave, we’ll help you identify your first payment date and where to find account and payment information.
Already Prequalified With Credit Acceptance?
Let our team know before your visit and have your prequalification information available. Credit Acceptance advises prequalified customers to tell the participating dealer so the team can guide their next steps.
You can contact Dave Says Yes even if you started on Credit Acceptance’s website. We’ll help you understand what information is needed to move forward with a vehicle purchase at our Troy dealership.
Prequalification is a starting point. Credit Acceptance does not provide an APR during its online prequalification process. Your specific vehicle, completed application and transaction details still matter when reviewing the final financing terms.
Your Payments Can Help You Build Credit
Yes—on-time payments can help you build or rebuild credit. Credit Acceptance reports payment activity to Equifax, Experian and TransUnion, the three major credit bureaus. That gives your payment history an opportunity to count as you move forward.
Consistent, on-time payments matter. Late or missed payments can also affect your credit. Your results depend on your overall credit history, and a specific score increase is not guaranteed.
Questions About Credit Acceptance at Dave Says Yes
Does Dave Says Yes offer financing through Credit Acceptance?
Yes. Dave Says Yes works with Credit Acceptance as part of our lender network. Contact our credit experts to explore whether this option fits your application and vehicle purchase.
Can I explore financing if I have bad credit or no credit?
Yes. Credit Acceptance’s program serves customers with credit challenges and limited credit history. Our team can discuss your situation and help you understand the requirements for your proposed purchase. Visit our No Credit Car Financing page for more on limited credit history.
Do I need to prequalify on Credit Acceptance’s website first?
You can start directly with Dave Says Yes by calling our team or completing our financing application. If you already prequalified with Credit Acceptance, tell us so we can help with the next step.
How much down payment will I need?
The required down payment depends on your application, vehicle and transaction. Our team will explain the amount for any available offer. There is no single down payment that applies to every customer.
Who receives my payments?
For a purchase financed through Credit Acceptance, payments are made to Credit Acceptance. Review the account instructions provided with your purchase and use its official customer resources for payment or account questions.
Let’s Find Your Next Step
You don’t have to navigate credit concerns alone. Talk with our Dave Says Yes credit experts about Credit Acceptance, our other financing options and the vehicle you need. We’re in Troy, serving Dayton and surrounding communities.
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.