How It Works
To provide all our customers with quality transportation, excellent customer service and the best financing alternatives available. Whether you have excellent or impaired credit, BobbSaysYes.com will seek out the best financing alternatives in order to provide you the best rates and terms. BobbSaysYes.com combines the auto financing muscle of many local and national lenders with a large inventory, to give you the credit you need for the vehicle you desire with as little as no money down.
| Bankruptcy | Student Loans | Charge offs | Garnishments |
| Divorce | Reposessions | Foreclosure | Job Loss |
| Medical Collections | Slow Pays | Judgements | Excessive Credit Cards/Debt |
At BobbSaysYes.com, we have been the serving the transportation needs of thousands of customers since 1924. More importantly we have the staff and experience to handle nearly any credit situation. Regardless of your personal situation, there is always a way to obtain the financing you need. Even the worst situations we have come across have been able to obtain financing with a little extra down payment demonstrating your commitment to the lender. We do ask that you be reasonable and open minded when working with us. Our professional staff will be respectful of your situation and will present you various options for financing available to you. We thank you for the opportunity serve you.
Relative to the tight lending enviroment the last several years, we have observed a trend from many lenders favoring more aggressive lending behavior. Lenders who disappeared from the radar the last several years have recently stepped back in and are beginning to lend aggressive again. Most lenders however, are still closely watching and demanding tight loan to value ratios and are requiring cash down (commitment) from customers depending on severity of past credit history, job stability and income.
| Bobb In House | Wells Fargo | Telhio | First Investors |
| Columbus Finance | Capital One | Tebo | First Merit |
| COCC | Huntington | PNC | CPS |
| Friendly Finance | Crescent Bank | Drive Financial | AmeriCredit |
| Ally | Coastal Credit | NAAC | National Auto |
| Santandar | Credit Acceptance | Exeter | Regional Acceptance |
| Fifth Third | Kemba | MarkOne | RoadLoans |
| WestLake Financial | M&T | AutoTrake |
Our In House finance arm was established in 1990 and originated over 10,000 loans for our customers. This financing is for our most challenged customers and will allow good paying customers the ability to re-establish good auto loan credit history on the credit bureaus. Finance amounts are limited under this program and down payment is required. As the parameters of this program change regularly, please apply online or call one our credit/sales specialist to obtain more information. Payments under this program may be structurered weekly, biweekly, bi-monthly or monthly in order to provide the most convenience to our customers. Payments are accepted online, at the dealership or via mail.
- Make Application Online
- You will be contacted by a finance specialist to verify accuracy of all information and answer any questions.
- Our finance team will begin working on your application and will discuss with you possible loan pre-approvals and options.
- An appointment at your convenience will be scheduled to obtain any required documents and make vehicle selection.
- Loan documents will be forwarded to lender for final approval, verification and final funding.
Your credit is extremely important when trying to assure lenders that you're a good credit risk. Take these steps to build the best credit record you can - before you need it.
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Open checking and savings accounts.
Lenders want to know you have a checking account available to pay bills. A savings account indicates you are putting aside something for the future. -
Get a copy of your credit report.
Most lenders base their lending decisions on credit worthiness. Obtaining and reviewing a copy of your credit report can help you understand how you measure up to lender's standards. -
Correct any errors or omissions on your credit report.
Some credit reports include errors or out-of-date information. If you find errors on your credit report, call the credit reporting agency. -
Collect positive information about your payment habits.
Collect positive information about your payment habits. The more positive information you provide about yourself the more comfortable a lender may feel about granting you credit. If you've borrowed money before, get positive confirmation from the lender that you've repaid the debt. -
Apply for credit.
Apply For Credit Consider applying for a small loan at your local bank. Apply for a secured credit card. You deposit a certain amount at a bank. In return, you are issued a Visa or Master card with a credit limit equal to the amount of your deposit. -
Once you have credit, use it wisely.
Once you have credit, use it wisely. Charge small amounts on each card. Don't max-out your credit cards. Once you have been approved for one credit card or loan, don't go out apply for several more. Pay your bills on time. ALL THE TIME.