top of page

Ohio No Credit Auto Loans

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

First-Time Buyers 

No Score Requirement 

Select Your Own Vehicle

Ohio No Credit Auto Loans
Copy of Copy of Black White Soft Cream Minimalist Aesthetic Choose What You Want Burger Si

- Best Auto Lenders for First-Time Buyers

Get Approved Online


Best Overall

5-STARS (1).png


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

APR From: 2.4%


Best Experience

5-STARS (1).png


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

APR From: 2.94%


Largest Selection

5-STARS (1).png


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

APR From: Varies


Best For Bad Credit

5-STARS (1).png

Auto Credit Express

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

APR From: 3.9%


Largest Network

5-STARS (1).png


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

APR From: Varies

How to Get an Auto Loan with No Credit 


Applying for an auto loan with limited or no credit in Ohio can seem challenging, 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!

Ohio Auto Loans with No Credit

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

Ohio Auto Loans with no credit history

In Ohio, its very common for lenders to approve consumers with no prior credit history for auto loans through first-time buyer programs. 

How to Increase Chances of Getting Approved as a First-Time Buyer


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.

A co-signer with good credit can improve your chances of getting approved for a loan. However, keep in mind that if you default on the loan, the co-signer will be responsible for paying it back.


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.

Having a down payment can increase your chances of getting approved for an auto loan, especially if you have no credit. A down payment shows the lender that you are serious about the loan and are willing to invest your own money into the purchase.

Typically, a down payment of at least 10% of the car's value is recommended. However, the more you can put down, the better. A larger down payment reduces the amount you need to borrow, which means lower monthly payments and less interest charges over the life of the loan.

Consider a credit union: Credit unions may be more willing to work with people who have no credit or bad credit. They may also offer lower interest rates and more flexible repayment terms.

Credit unions can be a good option for people who have no credit or bad credit. Credit unions are not-for-profit financial institutions owned by their members. They may be more willing to work with you to find a loan that fits your needs and budget.

To find a credit union in Ohio, you can use the National Credit Union Administration's credit union locator tool. You may also want to research the different credit unions in your area to find one that offers auto loans and has favorable terms and rates.


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.

Even if you don't have any credit history, you can start building credit by getting a secured credit card or becoming an authorized user on someone else's credit card.

bottom of page