Buy Here Pay Here in Xenia, OH — No Banks Needed

In-house financing available on all vehicles. Soft credit check only — no impact to your score. Payments from $399/month on select vehicles.

3 Quick Benefits

Benefit 1

No Banks Needed — We finance everything in-house. No third party lenders, no bank approvals, no waiting. Just us working directly with you.

Benefit 2

Soft Credit Check Only — Our approval process uses a soft credit check only. It won't impact your credit score at all.

Benefit 3

Drive Home Today — Get approved and drive home the same day. Our team works fast to get you behind the wheel as quickly as possible.

Our Buy Here Pay Here Process Is Simple

Step 1
Fill Out The Form

Takes 2 minutes. Tell us your basic details and our team will reach out same day.

Step 2
We Work Out Your Financing

Our in-house financing team finds a payment plan that works for your budget. No banks, no outside lenders.

Step 3
Drive Home Today

Come in, get approved, pick your car and drive home. Same day in most cases.

Why Choose Jamestown For Buy Here Pay Here

In-House Financing

We handle all financing right here on the lot. No banks, no outside lenders, no delays.

Soft Credit Check

Our process uses a soft credit check only. Zero impact to your credit score.

Job Loss Protection

If you lose your job we have a program to help protect you. Ask our team for details.

Down Payment Back Program

We offer a program to help you get your down payment back. Another reason Jamestown is different from every other BHPH lot in the area.

30 Years Locally Owned

We've been serving the Xenia and Dayton area since 1995. Not a franchise, not a corporate chain.

What Our Customers Are Saying

Discover why customers trust us and keep coming back. From first-time buyers to long-term clients, these reviews reflect our commitment to quality, service, and satisfaction.

Common Questions About Buy Here Pay Here

What is buy here pay here financing?

Buy here pay here means we handle all financing in-house right here at the dealership. No banks or outside lenders involved.

Do I need to go through a bank?

No. Our in-house financing means no banks and no outside lenders are needed. We handle everything right here at Jamestown Auto Sales.

Will applying affect my credit score?

No. Our approval process uses a soft credit check only which has zero impact on your credit score.

How much is the down payment?

Down payment requirements vary by vehicle. We also offer a Down Payment Back Program — ask our team for details.

How quickly can I get approved?

In most cases you can get approved and drive home the same day.

What areas do you serve?

We serve Xenia, Dayton, Springfield, Fairborn, Beavercreek, Kettering, Huber Heights, Troy, Wilmington and surrounding areas in Greene County Ohio.

What vehicles do you have available?

We carry a rotating selection of used sedans, SUVs, trucks and minivans. Call us at (937) 372-7777 to ask about specific vehicles.

Ready To Get Started?

Fill out the quick form below and our team will reach out same day to go over your buy here pay here options.

$399 a Month. 54 monthly payments of $399.54. Based on vehicle price $13,995 + TAX, Title and Fees. $1,000 Down at Delivery. 19.9% Annual Percentage Rate. Select Vehicles Only. With Approved Credit.

See What Vehicles You Qualify For Start your approval to instantly view matching vehicles and estimated payments.