Instant Auto Chillicothe FAQs
Instant Auto Chillicothe FAQs
Q: What is buy-here pay-here financing?
Buy-here pay-here (BHPH) means you finance your vehicle directly through our dealership rather than through a bank or outside lender. At Instant Auto Sales, we make the lending decision ourselves — which means your credit score doesn't automatically disqualify you. We look at the full picture of your situation.
Q: Can I get approved with bad credit?
Yes. Instant Auto Sales specializes in helping customers with bad credit, low credit scores, past late payments, or limited credit history. We approve most customers who walk through our door and will work with you to find a payment plan that fits your budget.
Q: Can I get approved after a bankruptcy?
Yes. Bankruptcy does not disqualify you from financing a vehicle through Instant Auto Sales. We evaluate your current income and ability to make payments — not just your past credit history.
Q: Can I get approved after a repossession?
Yes. A past repossession is not an automatic disqualifier. We have helped many customers in Chillicothe and southern Ohio get back into reliable transportation after a repossession. Come in and talk to us.
Q: What is the minimum down payment?
Down payment requirements vary by vehicle price and your specific situation. We work with customers on down payments and want to find an amount that gets you into a vehicle without straining your budget.
Q: What vehicles do you carry?
We carry a carefully selected inventory of 50+ used cars, trucks, SUVs, and vans at any given time. Our inventory is chosen with Ross County budgets in mind — reliable vehicles at prices working families can manage.
Q: Do you serve customers from Waverly and Pike County?
Yes. We serve buyers from Waverly, Piketon, and throughout Pike County. BHPH financing options are limited in Pike County, so many buyers make the short drive north to Chillicothe to get approved with us.
Q: Do you serve customers from Circleville and Pickaway County?
Yes. Circleville and Pickaway County buyers are a regular part of our customer base. We're one of the most accessible buy-here pay-here options for Pickaway County residents who need in-house financing.
Q: How does the payment schedule work?
Payment schedules are customized to your situation. We typically work on weekly or bi-weekly payment cycles that align with your paycheck schedule. Our goal is to make the payments manageable so you stay current.
Q: Does making payments through Instant Auto Sales help my credit?
It depends on your specific loan arrangement. Ask our team at the time of purchase about credit reporting and how your payments may affect your credit profile.
Q: What documents do I need to bring?
Typically: a valid driver's license, proof of income (pay stubs or bank statements), proof of residence (utility bill or lease), and proof of insurance. Call ahead at (740) 779-6383 to confirm what you'll need.
Q: Can I trade in my current vehicle?
Yes. We accept trade-ins. Bring your vehicle in and we'll give you an appraisal. Trade value is applied toward your purchase and can reduce your required down payment.
Q: What are your hours?
We're open Monday, Tuesday, Thursday, and Friday 9:30 AM-6 PM; Wednesday 8 AM-6 PM; Saturday 10 AM-5 PM. Closed Sundays.
Q: Do you serve Portsmouth and Scioto County?
Yes. Buyers from Portsmouth and Scioto County sometimes make the drive north on US-23 to Chillicothe when they need BHPH financing and local options haven't worked out.
Q: If I've been turned down by other dealers, should I try Instant Auto?
Yes — absolutely. We exist specifically for buyers who've been told no elsewhere. Our financing model is built around real-world situations, not just credit scores. Come in, tell us your situation honestly, and we'll tell you what we can do.