Ohio · Buy Here Pay Here
Buy Here. Pay Here. Done Right.
Bad credit or no credit? Apply in-house and drive a car you can count on. We finance on site, so the decision is made right here, not by a bank.
- Low down payments, with a Deferred Down Payment Program
- Weekly or bi-weekly payments that line up with payday
- Up to 3 Year/36,000 Mile service agreement on every car
4.7 starsfrom thousands of Ohio customer reviews
25+
years in buy here pay here
1.3M+
customers on the road
8
Ohio locations
4.7
star average from thousands of reviews
How buy here pay here works
No bank in the middle. We're the dealer and the lender.
1
Apply online or call
Fill out the short form above or call 1-800-233-9293. We reach out to talk through your situation.
2
Bring your documents
Stop by your nearest store with proof of income and proof of residence.
3
Get approved in-house
Our finance team makes the decision on site and builds a payment plan around your budget and paydays.
4
Pick your car and drive
Choose from inspected, reconditioned vehicles and drive home. Based on your approval, we transport vehicles same day from any location.
How buy here pay here is different from a bank auto loan
| Comparison | Byrider Ohio (buy here pay here) | Typical bank or credit union loan |
|---|---|---|
| Who approves you | Our finance team, right in your local Ohio store | An outside lender you never meet |
| What we look at | Your job, income and situation today | Mostly your credit score |
| Who you pay | Us, in store, online, by phone or app | The bank |
| Payment schedule | Set to line up with your payday | Usually one fixed monthly date |
| After the sale | Service agreement + on-site service shop | Service and repairs handled separately |
| Rates | Higher than prime bank rates, disclosed up front before you sign | Lower, if you qualify |
Not your typical buy here pay here lot.
Cars you can count on
Every vehicle hand-picked, inspected, reconditioned and title-checked before it goes on the lot.
Credit challenges? We get it.
Judgment-free financing for bad credit, no credit, or a fresh start.
We've got your back after the sale
Up to 3 Year/36,000 Mile coverage plus low-cost service at our on-site shops.
Buy Here Pay Here vehicles near you
See all inventory
Payments that line up with payday.
Choose weekly or bi-weekly payments and pay however is easiest for you.
In store
Online
Mobile
By phone
Auto-pay
Weekly or bi-weekly
Watch Their Stories
Real customers. Real second chances.
Find your nearest Byrider
Each of our 8 Ohio stores offers the same in-house financing, inspected vehicles and local team.
Buy here pay here questions, answered
What is buy here pay here?
Buy here pay here means the dealership finances your vehicle directly instead of sending you to an outside bank. At Byrider, you pick your car, get financed and make your payments all in one place.
Can I get approved with bad credit or no credit?
Yes. Byrider specializes in helping drivers with bad credit, no credit, or past repossessions and bankruptcies. Applying online does not affect your credit score.
How much do I need for a down payment?
Down payments are low and flexible and our Deferred Down Payment Program can help you get on the road even when money is tight. Your exact amount depends on the vehicle and your approval.
What do I need to bring to apply?
Bring a valid driver's license, your most recent pay stub or proof of income, a utility bill or proof of address and references. Our team will walk you through the rest.
Do my payments help build my credit?
Yes. We report your on-time payments to the major credit bureaus, so every payment you make can help rebuild your credit history.
What happens if my car needs repairs?
Every Byrider vehicle includes a service agreement, up to 3 Year/36,000 Mile coverage and our on-site service shops offer low-cost repairs to keep you on the road.