Buy Online .
Delivered to You .
Get approved online to view vehicle options that match your budget, then choose pickup or delivery from one of our 8 valley locations.
Buy Online In 3 Easy Steps
Get Approved
Complete Online Application
Digital Showroom
See vehicles that fit your approval
Final Step
Choose delivery or pickup and finish the deal
Shop By Type
Browse our wide selection of inspected and reliable used vehicles. From fuel-efficient cars to spacious SUVs, we stock options to fit your lifestyle and budget so you can shop with confidence.
Why Choose Advantage Car & Credit?
For years, Advantage Car & Credit has helped drivers get approved and back on the road with reliable used vehicles and flexible Buy Here Pay Here financing.
Flexible Payment Options
Financing plans tailored to fit your budget and income.
Fast Pre-Approvals
Get pre-approved in minutes, not days.
Local & Trusted
A local dealership committed to honest service and real support.
Why Choose -
Advantage Car & Credit?
Shop and buy your next vehicle online or stop in— the choice is yours.
Lifetime Powertrain Warranty
Drive with long term confidence.
Every vehicle comes with a Lifetime Powertrain Warranty.
Skip the Dealership Guesswork
Get approved online in minutes.
Know your options before you walk in.
Select Home Delivery
Convenient. Easy. Delivered to You.
We’ll bring your vehicle right to your driveway.
8 Valley Locations
Convenient. Local. Here for You.
Reserve online and pick up at the location that’s most convenient for you or stop in and shop our inventory.
Vehicles You'll Love
The Advantage Car & Credit Benefits
Trusted Vehicle Inspection
Every vehicle goes through a professional inspection process to help ensure quality, safety, and reliability before it’s offered for sale.
Fast & Easy Approvals
Get pre-approved online in minutes and understand your options before you shop. Icon: Stopwatch
Credit-Friendly Financing
We work with all credit types, including no credit and past challenges, to help you move forward
Affordable Down Payments
Down payment options designed to fit real budgets and real-life situations.
Job Loss Protection
Qualifying in-house financing customers may receive added payment support if unexpected job loss occurs.
Customer Service Advocate
Personal support from a local team member before, during, and after your purchase.
Get Your Down Payment Back
Learn about qualifying programs that may return your down payment.
Flexible Buy Here Pay Here Financing Options
Our Buy Here Pay Here program is designed for real life. We handle financing in-house, which means we can approve buyers that banks often turn away. Whether you’re rebuilding credit, buying for the first time, or need a fresh start, our team is here to help.
With a valid driver’s license, proof of income, and a small down payment, you could be on your way to owning a reliable used vehicle today.
Find Your Nearest Advantage Car & Credit Locations
Advantage Car & Credit - Fairborn, OH
Advantage Car & Credit - Moraine, OH
Advantage Car & Credit - New Carlisle, OH
Advantage Car & Credit - Riverside, OH
Advantage Car & Credit - Troy, OH
Advantage Car & Credit - Vandalia, OH
Advantage Car & Credit - Piqua, OH
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