Getting financed at Excel Auto Sales

At Excel Auto Sales, we are here to make purchasing a vehicle as simple as possible. It’s very easy to get financed!  We finance everyone*!  All you need is a valid driver’s license, proof of residence (utility bill, cable bill, cell phone bill, a bill with your name on it…), and the down payment for the vehicle. With our in-house finance program, no outside lender is used.  No credit checks, pay stubs or cosigners are required.  If you’re looking for a local vehicle loan on a quality vehicle, look no further. Excel Auto Sales is here to help with your financing needs!


Payment program and rates

At Excel Auto Sales, we like to work with our customers to find a “comfortable” payment plan that meets each individuals needs. Our average payment plan is as follows (exceptions may apply): Weekly Payments $75-150, Bi-weekly Payments $150-300 and Monthly Payments $300-600.


References and Phone Numbers

On the date of the sale, we require the phone number and address of 5 reliable people that you know.


Insurance Requirements

With our financed vehicles, you need to carry Full Coverage Insurance (comprehensive, fire, theft and collision) throughout the financing term**. Customers must be able to show proof of insurance at the time of purchase.
*This program is limited to residents of Ohio and Michigan within 30 miles of our location (exceptions may apply). Proof of residence may be required.  Debtor has to be 18 years of age or older. Not available where forbidden by law.
**In Ohio, it is illegal to drive any motor vehicle without insurance or other proof of financial responsibility (FR). It is also illegal for any motor vehicle owner to allow anyone else to drive the owner’s vehicle without FR proof. To comply with the FR requirements, individuals must maintain insurance or get a bond.

Need a lower down payment?

Excel Auto Sales is teamed up with multiple outside lenders and financial companies that require only 10-20% down with approved credit. Get approved with as little as $1,000.00 down. Simply fill out a Credit Application, we will normally have an answer the same day.

Don’t need our help to finance – No Problem!

At Excel Auto Sales cash is king, stop in today and let’s make a deal.

Got a car you want to trade?

Call us today for a quick estimate or stop in so we can visually inspect the vehicle and give you an accurate value.