Jeff Approves

Bad Credit? No Problem. Jeff Approves!

If you’re looking for a used car in Fairborn, OH, but you're struggling to get the financing you need, look no further than Jeff Approves.

It happens to the best of us no matter how hard we try, sometimes bad credit is inevitable. Maybe you forgot to make your student loan payments during the year you traveled abroad, or perhaps repossession dinged up your credit history. No matter what your situation is, Jeff Approves is here to help get you behind the wheel of the used car of your dreams today!

How to Buy a Car With Bad Credit

No matter how the situation arises, bad credit doesn’t have to mean the end of the road for car shoppers. In fact, the good news is that many qualified buyers with poor credit are taking the wheel with the help of proper financing at Jeff Approves. Even better? Having poor credit doesn’t mean you’re automatically exempt from the car-shopping perks those with better credit enjoy. You are still eligible for conveniences like pre-approval and satisfactory loan terms. Every driver’s situation is different, and planning your car buying process beforehand can help you prepare for the day you walk onto the lot and get approved for your next used car.

What is a Credit Score and Credit Report?

Lenders take a range of factors into account when thinking about an auto loan application from a consumer with bad credit, and most will make a choice based in part on your credit score. Although it is not the sole factor, your rating plays a key function in deciding whether or not your application will be approved, and, if so, what finance terms you will get. A credit score is an indicator of someone’s creditworthiness, partly influenced by way of their credit experiences, which are compiled in credit reports.

Choosing a Vehicle at Jeff Approves

In order to estimate the financing that is right for you and determine what vehicle you can afford, you’ll need to run the numbers on any potential loans. Here at Jeff Approves, we have plenty of used vehicles on our lot designated for approved drivers with poor credit. Everyone’s automobile needs and preferences are different, and if fuel economy is a factor for you, a fuel savings calculator is a helpful tool to work out potential expenditure on gas for one vehicle compared to another. No matter what type of car you’re looking for, our knowledgeable and friendly staff is here to get you behind the wheel today.

What’s Right for You?

Buying a car with bad credit is about finding what’s right for your situation. Jeff Approves is a Fairborn, OH area auto lender, with many years of experience, who accepts applications from people with all credit profiles. Our staff is compassionate and our entire business model is built around helping drivers with less than ideal credit find their dream vehicle now! Call us today to see what options we have for you.

At Jeff Approves, we make it easy to get what YOU want!

The Jeff Schmitt Auto Group Wants To GET YOU APPROVED!

Get approved for the auto loan you need today!

The Jeff Schmitt Advantage

With all the Jeff Schmitt Family has to offer our loyal customers, it's no surprise why they keep coming back for Springfield's best automotive experience.

All Qualifying Vehicles include the Jeff Schmitt Advantage.

  • Complimentary Vehicle Maintenance - Complimentary vehicle maintenance for 1 year which includes 2 free oil changes and 2 free tire rotations.  
  • Complimentary Loaner Vehicle Program - We also provide you with a complimentary loaner vehicle while we work on your vehicle so you don't have to wait.  
  • 72 Hour Exchange Policy - Of equal or greater value. Maximum of 300 miles.  
  • Best Price Guarantee - Find a lower price on the same car within 5 days and we'll refund 100% of the difference.
  • Elite Vehicle Delivery - At the conclusion of your purchase you will receive 2 sets of keys, a full tank of gas, and a vehicle that has been detailed just for you.  
  • Free Carfax - We will provide you with a free Carfax Report on any pre-owned vehicle in our inventory.

At Jeff Approves, we understand that you have needs, and demand first-class services and commitment to each of our customers, like you. We are the area leader in pre-owned vehicle sales and customer service, and look forward to helping you accomplish all of your goals in purchasing your next vehicle. Browse our user-friendly website at your leisure. Check out our expansive selection of new and pre-owned vehicles, as well as incredible financing options and specials. Contact us through our website with the chat or email features, or by phone at (937) 489-4586. We have loyally served the Fairborn community for years with reliable used, certified pre-owned and new vehicle sales and service. We just love seeing our loyal customers come back year after year to experience our superior services. Our staff is friendly, never wasting your valuable time with high-pressure sales tactics. We want you to always feel comfortable when you are at one of our Jeff Schmitt Auto Group dealerships.

Pre-Owned Models

Take a look at our incredible pre-owned selection to find your next car today. With plenty of models in stock, yours is waiting right here.

Pre-Owned Vehicles

Pre-Owned Specials

Owning the right car is an unparalleled experience. Jeff Schmitt always offers incredible specials and savings to make your experience even sweeter.


Read Our Reviews

The most important thing for us is making sure that our customers are completely satisfied with their experience. Read what they're saying about us.


Browse our expansive selection of vehicles online; right here on our user-friendly website to begin shopping for your next car, all within the comfort of your own home. Our expert and dedicated product specialists are available either over the phone at (937) 489-4586, or online via chat and email to answer all your questions. Feel free to drop us a line anytime. Our customer service specialists are always at the ready to exceed your expectations. We can’t wait to offer you first hand experience in all the ways that we can better serve you and yours, so get the Jeff Schmitt Advantage on your side today, and get behind the wheel of your ideal vehicle.

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