Target Auto Sales

In-House Financing

Buy Here Pay Here in Cincinnati, OH

Target Auto Sales finances vehicles in house: the dealership carries the note and you make your payments here, instead of to a bank or an outside finance company. Payments can be set up weekly or biweekly to match your pay schedule, and a down payment is part of every deal.

Credit history is considered, but it isn't what decides the deal. This page does not quote rates or payments and is not an approval. The dealership works out the terms with you directly.

Call (513) 742-4100Browse Inventory

Get Started

Ask About Buy Here Pay Here

Tell us a little about what you're looking for and we'll call you back. No sensitive financial information required.

A ballpark helps us point you at the right vehicles.

Prefer to talk? Call (513) 742-4100

Please don't include a Social Security number or other sensitive financial details in this form. Credit applications are handled directly with the dealership and any financing source it works with.

The Process

How Buying Here Works

  1. 1

    Pick a vehicle

    Browse inventory or call to hear what's on the lot today.

  2. 2

    Tell us about your situation

    Send the form on this page or call. We'll talk about what a workable deal looks like for you.

  3. 3

    Set the terms together

    Down payment, payment amount and schedule are agreed with the dealership in person, not online.

  4. 4

    Pay the dealership

    Payments come here on the schedule you agreed to. No third-party lender in the middle.

Options

Two Ways To Finance Here

Buy here pay here

The dealership finances the vehicle and you pay the dealership. Useful when credit history is the thing standing in the way.

Outside financing

We also submit applications to outside financing sources. See financing options.

Come Prepared

What To Bring

  • Valid driver's license
  • Proof of income
  • Proof of insurance
  • Proof of residence

The dealership will confirm exactly what's needed for your situation before you make the trip.

Questions

Frequently Asked Questions

What does buy here pay here mean?
It means the dealership finances the vehicle itself instead of sending you to a bank or an outside finance company, and you make your payments to the dealership. Target Auto Sales offers this alongside its regular financing, so both options are on the table.
Do you check credit?
Credit is part of the conversation, but it is not what decides the deal. Buyers with limited credit history, past credit trouble, a repossession or a bankruptcy are welcome to ask. Nothing on this website is an approval. The dealership works that out with you directly.
How often would I make payments?
Payments can be scheduled weekly, biweekly or monthly to line up with how you get paid, and are made to the dealership. The schedule for your deal is set with the dealership, not on this site.
Is a down payment required?
Yes. A down payment is part of every in-house deal. How much depends on the vehicle and your situation, so call the dealership for a real answer rather than a number off a website.
What should I bring?
Buyers are commonly asked for valid driver's license, proof of income, proof of insurance or proof of residence. The dealership will confirm exactly what's needed for your situation.
Can I start online?
Yes. Send the short form on this page, or fill out the full financing application. Neither one asks for a Social Security number or a driver's license number: those are collected in person or over the phone. Never send them through a website form.
What if I've had a repossession or bankruptcy?
It's worth a conversation. That history does not automatically rule out an in-house deal here, and the dealership would rather talk it through with you than have you assume the answer is no.