Our mission:

At HometownCarCredit.com our mission is to provide fair and honest car credit solutions for the residents of southern Ohio so everyone in our community can count on safe and reliable transportation for their family.

What we do:

Using our years of experience, extensive lender relationships and unmatched inventory allocation our specialized team combines a time-tested process and a proven system of metrics to match each of our customers' unique needs with the lender solution and customized transportation choices that they've been seeking out, all while staying considerate of the customer's budget, needs and time.

How we do it:

There are so many dealers and independent websites offering fast, simple and easy car credit loans that sound too good to be true. The truth is they usually are. Our system is a proven process that takes our customers individually through each step to eliminate the hassle and confustion involved in their loan approval all while saving our customers time and money. Loan approvals are usually completed within 24 hours, and sometimes with little or even no money down.

Who we help:

We have helped hundreds of local families find the customized loan solution and vehicle of their dreams. Our stable of accredited lenders help with every type of credit situation including:

  • Bankruptcy (chapter 7 and 13)
  • Repossession
  • Divorce
  • Charge-offs
  • Foreclosure
  • Medical Bills
  • Tax liens
  • Judgements
  • Child Support
  • Slow Pays

Our customers in Southern Ohio choose from hundereds of new and pre-owned cars, trucks, vans, and SUVs of all different makes and models including:

  • Chevrolet
  • Ford
  • GMC
  • Dodge
  • Chrysler
  • Jeep
  • Honda
  • Toyota
  • Nissan
  • Hyundai
  • Cadillac
  • Buick
  • Lexus
  • Mazda
  • Kia

What to do next:

Getting started with your customized loan approval couldn't be easier. Simply follow the link at the bottom of this page to begin the process of matching your individual needs with your personalized loan offer and customized vehicle choices. We will contact you shortly after to verify your information and explain the next steps to take. It's that simple.

What you will need:

Lender requirements can vary based on each individual situation. We will be as up front and transparent as possible with you regarding the specific requirements of your personal approval. Typically, your lender will need the following:

  • Verifiable income of at least $800 per month.
  • Utility Bill with your name and address dated within the last 30 days.
  • 5 personal references with names, addresses and phone numbers.
  • Cell phone bill dated within the last 30 days.
  • Landlord name or mortgage company and contact phone number.
  • Clear title or registration of any applicable trade in.
  • Cash or certified funds for down payment.
  • Valid Driver's license.
  • Verifiable full coverage vehicle insurance policy.



Hometown Car Credit

501 W. Emmitt Ave.
Waverly, OH 45690
Phone (740)941-1000
2125 S. 3rd St.
Ironton, OH 45638
Phone (740)442-7211


Monday:9:00 AM - 7:00 PM
Tuesday:9:00 AM - 7:00 PM
Wednesday:9:00 AM - 7:00 PM
Thursday:9:00 AM - 7:00 PM
Friday:9:00 AM - 6:00 PM
Saturday:9:00 AM - 5:00 PM