Would you like to buy a used car or truck in Ohio, no loan from the bank required? You can!
Regular finance providers and banks, unfortunately, will not grant auto loan financing to buyers in Dayton, OH beset by a bad credit score.
Buy here pay here car lots in Dayton, OH, however, enable consumers to get pre-owned vehicles in month-to-month repayments – without regard to their credit history. These dealerships focus on current finances instead of credit. If you’ve got the ability to cover your repayments, they’re prepared to overlook your credit score. You will recognize these dealerships by their marketing language, for instance: We Tote The Note, We Finance, or Your Job is Your Credit.
Is Buy Here Pay Here The Best Option?
Does a buy here pay here auto loan sound like the one and only alternative? It might not be. Let’s be honest, in house financing auto lots have got their drawbacks: increased loan rates, substantial down payments, and no ability to boost your credit.
No worries. At Car Lots USA, we can give you access to a diverse array of used car dealerships and lenders.
Here’s what to do to get started:
- Apply Online.
- Research Local Car Prices While You’re Matched to the Perfect Dealer or Lender.
- Complete The Required Paperwork and Purchase Your Vehicle!
The mean salary and/or yearly wage of Dayton workers is $25,086. Please don’t dedicate more than 10% of every buck you make on automotive-related bills. This amounts to $2,509. Don’t forget: this does not take into account expenses such as:
- Additional Vehicles
- Auto Insurance Coverage ($43 on a monthly basis in OH)
- Gas ($2.70 per gallon in ’08. Rising since then.)
- Maintenance (4.42 cents per mile for a medium sedan. Source: AAA)
This should be an adequate amount to pay for a second-hand car or truck, even when you’ve got below-average credit.
Pre-owned Cars in Dayton, OH to Avoid
When it comes to deciding on the particular make and model you plan to buy, there are a few vehicles you might want to avoid. Listed below are the vehicles which are the victims of grand theft auto most regularly in Ohio. These are the 2000 Dodge Caravan, 1995 Oldsmobile Cutlass, 1996 Jeep Cherokee/Grand Cherokee, 1994 Buick Century, and 1997 Ford Taurus.
No Credit Check: Good Idea?
Some of the buy here pay here dealerships in Dayton, OH, make a big deal over the fact that they do not do credit score checks. But are you aware that zero credit check often equals zero opportunity to improve your credit ratings? This is because, to be able to restore your credit, you’ll want to exhibit that you can pay down the debt you owe. But the credit bureaus in charge cannot report what they cannot see. The majority of dealerships who don’t check your credit likewise avoid reporting your payment to the authorities. Although a credit check may reduce your fico score a bit in the beginning, it often means you can raise your credit score over time. Lots of the dealerships with whom we work always file with the credit bureaus. How much will an auto loan credit check hurt your credit? Credit checks like the sort dealerships carry out can decrease your credit rating approximately five ticks for a period of roughly half a year.
BHPH and Used Car Dealers: Dayton OH
- Eastgate Ford Inc – Used Cars & Trucks. 3415 E Patterson Rd. ZIP: 45430
- Executive Blvd Luxury Auto. 6040 Executive Blvd. ZIP: 45424
- Emergency Auto Sales. 6305 Rip Rap Rd. ZIP: 45424
- Debbie O’S Auto Sales. 206 Infirmary Rd. ZIP: 45417
- Chuck’s Car Care. 3711 W 3rd St. ZIP: 45417
- Alexander’s Auto Sales. 5115 N Dixie Dr. ZIP: 45414
- Buck-I Auto Sales. 2801 North Dixie Drive. ZIP: 45414
- Jack Walker Pontiac-Toyota-Mitsubishi Inc. 8457 Springboro. ZIP: 45402
- Alan Besco Cars & Trucks. 62 Dayton Avenue. ZIP: 45402
- Adkins Auto Sales. 5121 North Dixie Drive. ZIP: 45414
- Harrigan’s Auto Sales. 5249 Springboro Pike. ZIP: 45439
- Clem D Auto Sales. 5275 North Dixie Drive. ZIP: 45414
- Discovery Auto Sales. 4651 Linden Avenue. ZIP: 45432
- Auto Exotica Auto-Antiqs. 201 Pritz Avenue. ZIP: 45403
- Auto Connection Inc. 1347 East 3rd Street. ZIP: 45403
- White-Allen Chevrolet/Oldsmobile. 442 N. Main. ZIP: 45405
- Auto Plus Sales and Service LLC. 864 North Main Street. ZIP: 45405
- Frank Z Imports Volkswagen. 7124 Poe Ave. ZIP: 45414
- Browning Auto Sales. 6201 West 3rd Street. ZIP: 45427
- Beau Townsend Nissan. 7030 Poe Avenue. ZIP: 45414
- Dave Dennis Auto Group. 4220 Colonel Glenn Highway. ZIP: 45431
- East Dayton Auto Sales. 509 Huffman Avenue. ZIP: 45403
- Gem Auto Sales Inc. 3341 North Dixie Drive. ZIP: 45414
- Andy’s Auto Sales. 4221 Gardendale Avenue. ZIP: 45427
- Auto Authority. 3105 North Dixie Drive. ZIP: 45414
- Jacobs Auto Body – Collision Repair Facility. 3300 Needmore Road. ZIP: 45414
- B & G Car & Credit. 2241 Valley Pike. ZIP: 45404
- Harmon Lincoln Mercury. 924 Shiloh Springs Road. ZIP: 45415
- Dale’s Auto Sales. 4400 North Dixie Drive. ZIP: 45414
- Gilmore’s Automotive. 9140 State Route 48. ZIP: 45458
- Halls Auto Sales. 5996 Germantown Pike. ZIP: 45418
- Ford-Planet Ford. 2601 East Alex Bell Road. ZIP: 45459
- Dynamic Finishes. 5269 Cobblegate Boulevard. ZIP: 45439
- Correct Car Company Inc. 3223 Dryden Road. ZIP: 45439
- Best Cars at Lowest Price Auto Sales. 2301 E 5th St. ZIP: 45403
- Frank Z Chevrolet. 1620 Brown St. ZIP: 45409
- Afford-A-Car Inc. 4313 North Dixie Drive. ZIP: 45414
- Hughes E R Quality Used Cars. 6295 West 3rd Street. ZIP: 45427
- Moorman Pontiac-GMC-Isuzu Inc. 400 E. Shoup Mill Road. ZIP: 45415
- Ed’s Auto Sales. 6218 West 3rd Street. ZIP: 45427
- HIDY Honda. 2300 Heller Drive. ZIP: 45434
- Auto Credit Company. 7849 North Main Street. ZIP: 45415
- B & B Auto Reproductions. 2445 Neff Rd. ZIP: 45417
- A Hidy Cars Inc-Hidy Motors Incorporated. 2170 Heller Dr. ZIP: 45316
- Mike Or, Scott Sales Managers – Pete’s Auto Sales. 4113 N Dixie Dr. ZIP: 45430
- Infiniti of Dayton. 299 Loop Rd. ZIP: 45430
- Matt Castrucci Nissan. 3013 Mall Park Dr. ZIP: 45430
- Jeff Schmitt Nissan. 725 Alpha Rd. ZIP: 45430
- Enterprise Car Sales. 280 Loop Rd. ZIP: 45430
- Big O Auto Sales. 561 Leo St. ZIP: 45428
- Reichard Buick GMC & Saturn Pontiac Authorized Service. 161 Salem Ave. ZIP: 45066
- Walker Chrysler Jeep Dodge of Dayton, Incorporated. 95 Loop Rd. ZIP: 45066
- Thrifty Car Sales. 1575 Miamisburg Centerville Rd. ZIP: 45430
- White-Allen Honda. 500 N Main St. ZIP: 45430
- Ross Motors Mercedes-Benz. 1 Loop Rd. ZIP: 45430
- Langs Chevrolet. 635 Orchard Ln. ZIP: 45430
- Voss Cadillac BMW Hyundai. 650 Miamisburg Centerville Rd. ZIP: 45430