In-House Financing
Financing built for you.
Get approved for an auto loan in minutes.
We welcome all credit types.
From perfect credit to rebuilding credit, every Ohio driver deserves a real shot at affordable financing and Byrider is the lender, not a middleman.

We're the lender
No banks, no third-party algorithms. Decisions are made in-house, so we can look at the whole picture, not just a score.
Low down payments
Get on the road today without draining your savings. Many customers drive home with a modest down payment.
Credit you can build
Drive a car AND have the opportunity for on-time payments to reflect positively on your credit report.
Unlock real payments that fit your budget.
Three simple steps. No surprises. No judgment.
Get approved
Answer a few simple questions and our finance team reviews your application right away.
Pick your vehicle
Shop our Ohio inventory online or visit any of our 8 locations. Every car comes with a multi-point inspection and warranty.
Drive it home
Finalize paperwork in-store and, once approved, drive off the same day with payments aligned to your paycheck, weekly, bi-weekly, or monthly.
Buy Here Pay Here
How buy here pay here works.
With buy here pay here, the dealership and the lender are the same. You pick your car, get approved and make your payments directly to us, all in one place.
One stop, one decision
Shop and finance in the same building. No waiting on a bank's answer, we make the lending decision ourselves, in minutes.
Payments come straight to us
You never deal with a bank. Make your payments directly to Byrider at any of our 8 Ohio locations.
Payments that match your paycheck
Choose weekly, bi-weekly, or monthly, we set your schedule around when you actually get paid.
A fresh start on credit
Every on-time payment is reported to the major credit bureaus, so your loan does double duty while you drive.
Build credit
Drive the car. Build the credit.
Byrider reports your on-time payments to the major credit bureaus, so every payment you make works for you in more ways than one.
- On-time payments reported to Equifax, Experian and TransUnion
- Rebuilding after bankruptcy or repossession? You're welcome here.
- A payment history that helps you refinance or finance your next vehicle later
Be ready
What to bring with you.
Bring these and you could drive home the same day.
- Valid driver's license
- Proof of income (recent pay stubs or benefits letter)
- Proof of residence (utility bill or lease)
- Personal references (names and phone numbers)
- Your down payment
- Auto insurance, or we'll help you add your new vehicle
Real customers. Real reviews.
People who were told "no" elsewhere and got the keys here.
Real Google Reviews
What Ohio drivers say.
FAQs
Financing questions, answered.
What is buy here pay here?
Buy here pay here means the dealership is also the lender. Instead of a bank or finance company, you make your payments directly to us, so the lending decision is made in-house, not by an outside score.
Can I get approved with bad credit?
Yes. We look at the whole picture, not just a credit score. Bad credit, no credit, bankruptcy, repossession and fixed income are all welcome to apply.
Will getting approved hurt my credit?
No. Getting your terms takes just a few minutes and there's no hit to your credit to find out what you qualify for.
How much do I need for a down payment?
Down payments are modest and based on your situation. Your approval shows your exact amount, many customers drive home with a modest down payment.
How do I make my payments?
Your payment schedule is aligned to your paycheck, weekly, bi-weekly, or monthly and payments are made directly to Byrider at any of our 8 Ohio locations.
Ready to apply?
Join the thousands of Ohio drivers Byrider has financed directly, even when the banks said no.

