This is a list of Frequently Asked Questions (FAQs). For any additional questions, please call us 513-321-8332.

Q: What is Buy Here Pay Here (BHPH)?

A: Buy Here Pay Here means that you can arrange a loan at the dealership and make your payments there. The payments are set up to be due on your pay day...weekly, biweekly, semi-monthly and monthly.


Q: Do prior repossessions, bankruptcy, bad/no credit or divorce effect my ability to buy a car?

A: No. We are the bank, and we see good folks who have had a bad spell all the time.


Q: What if I have really bad credit?

A: We specialize in the area of unfavorable credit history. Your credit issues are in the past. Our goal is to get you into the right vehicle with the right payment so you can start building your credit.


Q: Do you report to credit agencies?

A: We DO report to credit agencies. ...Most BHPH do not bother reporting your account to the credit bureau. This is a major way to improve your score and 'fix' the past.


Q: How much money down do I need?

A: It depends on the type of vehicle you are interested in. The more money down the greater selection.


Q: How long do I have to be on the job?

A: We look for employment stability, but it varies for every customer. And we prefer 'w-2' type employment.


Q: What should I bring with?

A: Valid driver's license, pay stub, proof of address, reference sheet with at least 6 names, and your downpayment.


Q: What forms of income qualify me for approval?

A: We accept Social Security, Temp to Perm employment, Disability and W-2 full time employment. Self employed is ok in the right circumstances.