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Best Auto Lenders for First-Time Buyers


Best Overall

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    • Up to $99,000
    • Term: 24 to 84 months
    • Great Customer Service

APR From: 2.4%


Best Experience

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    • Up to $100K
    • Term: 24 to 84 months
    • Refinance Available

APR From: 2.94%


Best For Bad Credit

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Auto Credit Express

    • Up to $40,000
    • Term: 24 to 84 months
    • Great for Bad Credit

APR From: 3.9%


Largest Network

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    • Amount Varies
    • Term: 24 to 84 months
    • No Repayment Fee

APR From: Varies

Auto Loans with No Credit

Online Approval - Buckeye Car Loan
Flexible Payments - Buckeye Car Loan
Select Your Vehicle - Buckeye Car Loan

First-Time Buyers Programs

No Credit Required 

Select Your Own Vehicle

Ohio No Credit Auto Loans

How to Get an Auto Loan with No Credit 


Applying for an auto loan with limited or no credit in Ohio can seem daunting, but there are options available for first-time buyers. One option is to apply for special finance through an Ohio lender that specializes in working with limited credit applicants. Consumers with bad or no credit history can find conventional auto loans online in Ohio. Compare rates from top lenders and don't let a low credit score stop you from getting the right car!

Auto Loan with No Credit History- Ohio Car Loan
Auto Loans with 0 Credit Score - First Time Buyers

How to Increase Chances of Getting Approved


If you are not quite ready for that auto loan or are having trouble getting approved for the terms of the vehicle that you want, there are some options to increase your buying power in Ohio. 

Use a Cosigner - a cosigner is when a second individual signs for your vehicle with you and will be equally responsible for the loan terms. Both you and your cosigner will receive credit reports for the loan and will be equal owners in the eyes of the bank. A cosigner can greatly improve your chances of getting approved for better terms, depending on the singer’s credit.


Down Payment or Trade - Using a down payment or the trade value of a vehicle you already own on your new loan will not only lower your payment but it can help you get approved for a more expensive vehicle.


Build Credit - A cheaper car, another type of loan, or to a lesser effect, credit cards, can help you build your credit before you try to get approved for your dream car.

How Do I Know If I Have a Credit Score?

In the world of finance, credit score is king. It represents your buying power, how appealing you are to banks, and is the sum of all your past credit history on record. Your credit score is a numerical rating usually between 400-800. The number is based on the reports on your credit history such as payments (late and on time), debts, and past charge-offs.


The first step to any large financial decision is understanding your credit score and history. Going into the dealer blind can leave you at a disadvantage in negotiations and harm your score through multiple “pulls” by lenders, Everyone in Ohio is entitled to a free credit history report once a year from each of the major reporting bureaus (Trans Union, Experian, Equifax). The easiest way is to request your reports from all three bureaus at


Learn more about Understanding Your Credit Score

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