Oct 13, 2025
Car Buying Process | news | Used Vehicles

Strength You Can Count On — On Every Road and in Every Community

2016 Ford F-150 XLT 4WD at Dave Says Yes

Strength isn’t just something you feel under the hood — it’s something you build over time. And the 2016 Ford F-150 XLT 4WD embodies that kind of lasting strength, combining rugged performance with the comfort and confidence you need every day.

Equipped with All-Wheel Drive and a tow package, this F-150 XLT is ready to handle the toughest jobs and weekend adventures alike. Whether you’re towing, hauling, or navigating unpredictable weather, it’s built to keep you steady and in control.

Inside, the cabin blends durability with everyday comfort. Enjoy heated seats, Bluetooth connectivity, and keyless entry that make your drive effortless. The backup camera, blind spot monitor, and parking sensors add confidence and safety wherever you go — from job sites to family trips. Plus, features like power seats, fog lights, and interior accents make every mile feel a little more refined.

And when you’re ready to hit the road, remote start makes sure your truck is as ready as you are.

Used 2016 Lithium Gray Ford XLT image 16

Built Strong. Standing Together.

At Dave Arbogast, we believe strength means more than what a vehicle can do — it’s about how we use that strength to make a difference. That’s why we’re proud to partner with Pink Ribbon Good (PRG), supporting their mission to provide meals, rides, and support to those fighting breast and gynecological cancers.

Just like the F-150, PRG represents resilience and reliability — showing up every day to help others move forward. When you purchase from Dave Says Yes this October, you’re helping us continue that mission and drive strength where it’s needed most!

Used 2016 Lithium Gray Ford XLT image 8

Drive with Strength. Drive with Purpose.

The 2016 Ford F-150 XLT 4WD is built to handle life’s toughest challenges — on the road and beyond. Visit Dave Says Yes today to take a test drive and see how this powerful pickup brings together performance, comfort, and compassion.

Because when we drive with purpose, we move our whole community forward. 💪🎀

Dave Arbogast

Oct 03, 2025
Car Buying Process | Financing | news | SUV | Used Vehicles

Drive Smart, Drive Confident: The Affordable 2017 GMC Terrain SLE-1

At Dave Says Yes, we believe everyone deserves a reliable vehicle at a price that makes sense. That’s why we’re excited to share this pre-owned 2017 GMC Terrain SLE-1 FWD 4D Sport Utility, available now for just $13,475.

A Family SUV You Can Count On

The GMC Terrain has earned its reputation as a dependable family SUV. The 2017 GMC Terrain seats five comfortably, offers flexible cargo space, and delivers a smooth ride—perfect for school drop-offs, road trips, or your daily commute. Families appreciate the Terrain’s reliability, giving you peace of mind that you’re driving a vehicle that’s ready for the long haul.

Affordability Meets Opportunity

Priced at $13,475, this owning a quality SUV doesn’t have to come with a hefty monthly payment. The Dave Says Yes program helps you get approved—no matter your credit situation. We work hard to find financing solutions, because saying “yes” to your next vehicle should be simple.

Driving Awareness with Pink Ribbon Good

This October, your purchase has an even greater impact. Through our partnership with Pink Ribbon Good, a portion of every sale goes toward supporting breast cancer. Together, we provide meals, give rides, and deliver hope! You’re not just upgrading your ride—you’re helping drive awareness and make a difference.

Start Your Journey Today!

The 2017 GMC Terrain SLE-1 FWD is affordable, reliable, and waiting for you. Visit Dave Says Yes today to take a test drive and see for yourself how easy it can be to get into a vehicle you love—while supporting a mission that matters.

Sep 12, 2025
Car Buying Process | SUV | Tips

Feature Friday: 2021 GMC Acadia SLE AWD

Josh Delver

 Manager

josh@davesaysyes.com

937-440-5810

This week on Feature Friday, we’re spotlighting a family-ready SUV that blends safety, comfort, and modern tech—the 2021 GMC Acadia SLE AWD (Stock: P36401T). Priced at $21,000 with 116,627 miles, this pre-owned Acadia offers incredible value for those looking for a reliable ride.

The 2021 Acadia SLE stands out with its 3rd row seating, making it perfect for families or anyone needing extra passenger space. With AWD, it’s ready to handle tough road conditions while keeping everyone safe and confident behind the wheel.

Inside, you’ll find a cabin packed with technology and comfort features:

  • Android Auto & Apple CarPlay for seamless connectivity
  • Premium Audio & Satellite Radio Ready for an elevated listening experience
  • Heated Seats & Remote Start for those frosty mornings
  • Rear A/C to keep all passengers comfortable
  • WiFi Hotspot to stay connected on the go

Safety is always a priority, and the Acadia delivers with Forward Collision Warning, Lane Departure Warning, Blind Spot Monitor, Parking Sensors, Backup Camera, and Side-Impact Airbags.

Dave Says Yes Manager, Josh Delver, describes it perfectly:
“With winter right around the corner this is the perfect vehicle for both safety and comfort. It has remote start to warm up on cold mornings as well as heated seats. It has AWD for safety when the roads get bad.”

If you’ve been searching for an SUV that checks every box—roomy, safe, and loaded with modern features—the 2021 GMC Acadia SLE AWD is worth a closer look.

👉 Stop by Dave Says Yes in Troy, Ohio today and see if this is the right vehicle for you!

Used 2021 Ebony Twilight Metallic GMC SLE image 13

Disclaimer: Vehicle availability may change quickly, so please call ahead or check our website to confirm it’s still in stock.

Sep 05, 2025
Car Buying Process | Uncategorized

Feature Friday:

2020 Ford Edge Titanium

Emily Behr

 Sales Representative

 emily@davesaysyes.com

 937-440-5818

This week on Feature Friday, we’re highlighting the 2020 Ford Edge Titanium FWD 4D Sport Utility (Stock: P36399T). This SUV packs in technology, comfort, and safety to fit your everyday needs while adding a touch of luxury.

Sales Representative Emily Behr describes it as “one of the most sought-after SUVs.” The Titanium trim brings premium features like heated leather seats with memory settings, Bluetooth, interior accents, and a Wi-Fi hotspot. For convenience, it offers keyless entry, remote start, a hands-free liftgate, rain-sensing wipers, and parking assist sensors. Safety is also a priority with a backup camera, blind spot monitor, lane departure warning, side-impact airbags, and Ford Co-Pilot360 technology.

Fog lights, satellite radio, and a premium sound system add even more value. Emily explains, “The Titanium package is the highest package,” making this model stand out from others in its class.

When it comes to price, Emily is clear: “The price is amazing for this vehicle.” At just $19,000 with only 92,963 miles, this Edge Titanium delivers luxury and performance at a great value.

And for anyone unsure about financing, Emily reassures customers: “If we have a vehicle that you like but are worried about getting approved for financing, we have financing for every customer and vehicle!”

If you’ve been looking for an SUV that balances comfort, safety, and innovation, the 2020 Ford Edge Titanium could be the perfect match.

Used 2020 Magnetic Metallic Ford Titanium image 14

Disclaimer: Vehicle availability may change quickly, so please call ahead or check our website to confirm it’s still in stock.

Apr 07, 2025
Building Credit | Car Buying Process | Tips

Vehicle Maintenance Tips That Protect Your Investment

As a subprime car buyer, your vehicle isn’t just transportation—it’s a financial investment that can help rebuild your credit. Proper maintenance not only extends your car’s life but protects your financial future. Here are essential maintenance tips every car owner should follow.

Regular Oil Changes Save Engines

Nothing destroys engines faster than neglected oil changes. Fresh oil lubricates engine components, prevents overheating, and removes harmful debris. While conventional wisdom suggests changes every 3,000 miles, many modern vehicles can go 5,000-7,500 miles between changes. Check your owner’s manual for manufacturer recommendations specific to your vehicle.

Monitor Tire Pressure Monthly

Underinflated tires create unnecessary drag that reduces fuel efficiency and causes premature wear. Most vehicles have recommended tire pressures listed on a sticker inside the driver’s door jamb. For just a few dollars, you can purchase a reliable tire pressure gauge and check your tires monthly. Remember that temperature changes affect pressure—cold weather typically lowers tire pressure while hot weather increases it.

Battery Maintenance Prevents Costly Breakdowns

A dead battery often strikes without warning, leaving you stranded and facing towing costs. Most auto parts stores will check your battery charge for free. Have your battery tested annually, especially before winter months when cold temperatures strain battery performance. Keep terminals clean from corrosion by applying a mixture of baking soda and water, then rinsing clean.

Don’t Ignore Dashboard Warning Lights

Modern vehicles have sophisticated computer systems that monitor critical components. When a warning light appears, it signals a potential issue that could become more expensive if ignored. Some lights indicate immediate attention is needed (like oil pressure warnings), while others can wait until your next scheduled maintenance. Keep your owner’s manual handy to understand what each light means.

Stick To Scheduled Maintenance Intervals

Your vehicle’s manufacturer has carefully determined maintenance schedules based on extensive testing. Following these recommended service intervals protects your warranty coverage and prevents costly repairs. Create calendar reminders for upcoming maintenance needs based on your typical mileage.

Properly maintaining your vehicle isn’t just about preventing mechanical failures—it’s about protecting your investment and your credit-rebuilding journey. By following these simple maintenance tips, you’ll extend your vehicle’s life, maintain its value, and avoid unexpected repair costs that could derail your financial progress.

Remember: Every dollar saved on preventable repairs is money that can go toward building your financial future.

Mar 17, 2025
Building Credit | Car Buying Process | Tips

Trade-In Tips: Maximizing Your Current Vehicle’s Value

When purchasing your next vehicle with subprime financing, your trade-in can substantially reduce the amount you need to finance, potentially improving your loan terms. Maximizing your current vehicle’s trade-in value requires strategic preparation and negotiation. Here’s how to get the most value from your existing vehicle.

Clean and Detail Your Vehicle Thoroughly

First impressions matter tremendously. A clean, well-maintained vehicle suggests careful ownership and can increase perceived value by hundreds of dollars. Invest in a professional detailing service (typically $100-200) before appraisal, or thoroughly clean the vehicle yourself. Focus on removing stains from upholstery, eliminating odors, and restoring the vehicle’s shine inside and out. Don’t forget to clean the engine compartment, which signals proper mechanical maintenance.

Gather Maintenance Records and Documentation

Complete service records demonstrate responsible ownership and regular maintenance—factors that significantly influence appraisal value. Organize receipts for oil changes, tire rotations, brake services, and any major repairs or replacements. These documents provide concrete evidence that you’ve properly maintained the vehicle, potentially commanding $200-500 in additional value for well-documented maintenance histories.

Address Minor Repairs Before Appraisal

Small mechanical and cosmetic issues can disproportionately impact your trade-in offer. Replace burned-out bulbs, fix minor electrical issues, and address small dents or scratches when the repair cost is reasonable. The $50-150 invested in these repairs often returns double or triple the value during appraisal. However, avoid major repairs as you rarely recover these costs in trade-in scenarios.

Time Your Trade-In Strategically

Market demand for certain vehicles fluctuates seasonally. Convertibles and sports cars typically command higher values in spring and summer, while SUVs and all-wheel-drive vehicles see increased demand during fall and winter months in many regions. Aligning your trade-in with peak demand periods can increase your vehicle’s value by 5-10%.

By implementing these strategic trade-in tips, you’ll maximize your current vehicle’s value, reduce your financing needs, and potentially secure better loan terms—even with subprime credit challenges.

Mar 10, 2025
Building Credit | Car Buying Process | Tips

Beyond the Purchase: Building a Long-Term Relationship With Your Dealership

The moment you drive off the lot in your newly purchased vehicle marks the beginning—not the end—of your relationship with your dealership. For subprime buyers especially, nurturing this relationship creates valuable opportunities for financial growth, vehicle servicing benefits, and future purchasing advantages. Here’s how to develop a mutually beneficial long-term partnership with your dealership.

Regular Service Creates Trust and History

Choosing your dealership for regular maintenance and service establishes a documented history of responsible vehicle care. This service relationship demonstrates your commitment to protecting your investment while building rapport with service advisors and technicians who become familiar with your specific vehicle. Many dealerships offer service loyalty programs with accumulating discounts, priority scheduling, and occasional free services for regular customers.

Communication During Financial Challenges

If temporary financial difficulties arise affecting your ability to make payments, proactive communication with your dealership’s finance department can prevent credit damage. Many dealerships have relationships with their lenders that allow for occasional payment arrangements when communicated before delinquency occurs. This transparency reinforces your commitment to fulfilling your obligations despite temporary setbacks.

Rebuilding Credit Opens Future Opportunities

As you consistently make on-time payments on your current vehicle, your dealership’s finance team can become a valuable resource for credit rebuilding strategies. Many dealerships offer complimentary credit reviews for existing customers at regular intervals, identifying opportunities for refinancing or early trade-in when your credit profile improves sufficiently to qualify for better terms.

Referral Programs Benefit Everyone

Most dealerships offer substantial referral incentives ranging from service credits to cash rewards when you refer friends and family who complete purchases. These programs acknowledge the value of personal recommendations while providing tangible benefits for your loyalty. Some subprime-focused dealerships offer additional incentives when referring others in similar credit situations.

Most dealerships offer referral incentives
Referrals help us and you!

Future Purchase Leverage

Customers with established payment histories and service relationships often receive preferential treatment when returning for subsequent purchases. This typically manifests as expanded inventory access, expedited financing approval, and occasionally, dealer-exclusive incentives not advertised to the general public. Your demonstrated reliability transforms you from a credit risk to a valued repeat customer.

Community Engagement Opportunities

Many dealerships sponsor community events, charity fundraisers, and customer appreciation days. Participating in these activities strengthens your relationship with the dealership while connecting you with others in your community. These events often include vehicle clinics, maintenance workshops, and financial education opportunities beneficial for rebuilding credit.

Building a long-term relationship with your dealership transcends the traditional buyer-seller dynamic, creating a partnership focused on your transportation needs and financial growth. This relationship offers tangible benefits throughout your vehicle ownership journey and positions you advantageously for future automotive decisions.

Mar 01, 2025
Building Credit | Car Buying Process | Tips

Understanding Subprime Auto Loans: What They Are and How They Work

Are you struggling with credit challenges but still need reliable transportation? Despite past financial hurdles, subprime auto loans could be your pathway to vehicle ownership. At Dave Says Yes, we specialize in helping customers navigate the sometimes confusing world of subprime financing.

What Exactly Is a Subprime Auto Loan?

Subprime auto loans are specifically designed for borrowers with credit scores typically below 620. Traditional lenders often consider these credit profiles too risky, but specialized subprime lenders understand that your credit score doesn’t tell your whole financial story.

These loans feature:

  • Higher approval rates for challenged credit
  • More flexible qualification requirements
  • Options for various credit situations (bankruptcies, repossessions, no credit history)
Subprime Auto Loans
Let’s make a deal today!

How Subprime Loans Differ From Traditional Auto Financing

The primary differences involve interest rates, down payment requirements, and loan terms. Subprime loans generally carry higher interest rates to offset the increased lending risk. Most subprime lenders require down payments (typically 10-20% of the vehicle’s value) to demonstrate your commitment and reduce their risk exposure.

The Benefits Beyond Vehicle Ownership

Subprime auto loans offer advantages beyond simply getting you behind the wheel:

Credit Rebuilding Opportunity: Timely payments on your auto loan are reported to credit bureaus, potentially improving your credit score over time.

Transportation Stability: Reliable transportation means greater job security and economic opportunity.

Refinancing Potential: Many borrowers qualify for refinancing at better rates after 12-18 months of on-time payments.

Making Subprime Financing Work for You

Success with subprime financing requires preparation:

  1. Know your credit situation before applying
  2. Save for a reasonable down payment (the more you put down, the better your terms)
  3. Be realistic about your monthly budget
  4. Consider a slightly used vehicle to maximize value
  5. Focus on reliability over luxury features

Moving Forward With Confidence

Subprime auto loans aren’t just a last resort—they’re a legitimate financial tool that helps thousands of Americans access necessary transportation while rebuilding their financial standing. At Dave Says Yes, our financing specialists work with numerous subprime lenders to find the best possible terms for your unique situation.

Don’t let credit challenges keep you from the vehicle you need. Contact our financing department today to explore your options without impacting your credit score.

DSY Inventory
Dave Says Yes always has the right inventory for anyone!
Feb 24, 2025
Car Buying Process | Tips

Tax season presents a unique opportunity for vehicle financing. With refunds arriving and dealerships offering seasonal incentives, the first quarter of 2025 could be your ideal time to purchase.

Strategic Timing Matters

Tax refunds can serve as powerful down payments, potentially leading to:

  • Lower monthly payments
  • Better interest rates
  • Enhanced negotiating power
  • Reduced loan-to-value ratios

2025 Tax Season Advantages

This year’s market conditions are particularly favorable:

  • Stabilizing interest rates
  • Competitive dealer incentives
  • End-of-winter inventory clearance
  • Manufacturer rebates

Maximizing Your Tax Refund

Smart allocation of your tax refund could include:

  • Boosting your down payment
  • Covering registration fees
  • Purchasing extended warranties
  • Setting aside maintenance funds

Financial Planning Benefits

Using your tax refund for vehicle financing offers:

  • Immediate debt reduction
  • Lower long-term costs
  • Improved loan terms
  • Additional buying leverage

Market Timing Considerations

Early 2025 presents unique advantages:

  • Pre-spring price increases
  • Winter clearance deals
  • Less buying competition
  • Motivated sellers

Consider leveraging your tax refund for vehicle financing—it could be your smartest financial move of 2025.

Feb 17, 2025
Building Credit | Car Buying Process | Tips

Purchasing a vehicle is a significant financial decision, and understanding down payments can save you thousands of dollars in the long run. Contrary to common misconceptions, your down payment strategy can dramatically impact your overall car-buying experience.

Why Down Payments Matter

A vehicle down payment isn’t just an initial expense—it’s a strategic financial tool that can:

  • Reduce monthly loan payments
  • Lower total interest paid
  • Decrease loan-to-value ratio
  • Improve loan approval chances

Typical Down Payment Ranges

Down payment recommendations vary by vehicle type:

  • New cars: 10-20% recommended
  • Used cars: 10% or more
  • Luxury vehicles: Often require higher down payments
  • Budget vehicles: Potential for lower down payments

Financial Benefits of Larger Down Payments

Increasing your down payment provides multiple advantages:

  • Smaller monthly installments
  • Reduced risk of becoming “underwater” on the loan
  • Lower interest rates
  • Faster vehicle ownership

Alternative Down Payment Strategies

Not everyone can make a substantial down payment. Consider:

  • Trading in current vehicle
  • Combining manufacturer incentives
  • Exploring first-time buyer programs
  • Saving systematically before purchase

Potential Risks of Low Down Payments

Minimal down payments can lead to:

  • Higher monthly expenses
  • Extended loan terms
  • Increased total interest
  • Potential negative equity

Strategize your down payment carefully to optimize your vehicle purchasing power and long-term financial health.

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