Yes. We welcome customers in all credit situations, including bad credit, limited credit and no credit. Our credit experts work with a network of outside lenders to explore available options. Approval and terms depend on lender review.

Explore a newer, nicer vehicle with Dave Says Yes. Our credit experts work with an extensive network of outside banks and financing companies, with access to the Dave Arbogast Group’s broad used-vehicle selection. Customers with credit challenges are welcome to apply. Approval and terms depend on lender review.

A lender may require a down payment. The amount depends on your application, the vehicle and lender requirements. Talk with our credit experts about your situation before assuming a particular amount is required.

Yes, cosigners are accepted. A cosigner may help expand your financing options, but approval is subject to lender review. Ask our team what information you and your cosigner should prepare.

Yes. A past repossession or bankruptcy does not prevent you from applying. Available options depend on your circumstances and lender requirements. Tell our team whether your bankruptcy is open or discharged, and ask about any additional documentation needed.

Have identification, proof of income, proof of residence and employment information ready. Requirements vary by lender, and additional documentation may be requested.

Your rate and payment depend on factors including your credit profile, income, existing obligations, vehicle, down payment and loan term. Available terms are determined through lender review.

Absolutely. Call 937-980-0515 to speak with a credit expert during dealership hours. We can answer questions about getting started and what to prepare. For credit-inquiry questions, review the disclosures for the application or prequalification option you choose before submitting.