The laws for repossession in Ohio are just a bit different than some other states so this can make it more difficult to get bad credit car loan. It can take a little more legal work in Ohio for a financial institution to get their car back from a buyer that has defaulted on their car loan. This makes it a higher risk for the lender. If you have a scenario where it is more difficult for a lender to repossess their property, they may put more qualifiers on loans. These may include but are not limited to, more down payment “participation” from the buyer. A better equity position in the loan, reached by either money down or lower sales profit by the dealer.  It may be difficult for the dealer to reach the requested equity position without money down,  Less payment to income may also be required. If a buyer has a low percentage of their income going out each month for a car payment it will be easier to pay each month. If you are unable to get more money down or find a car dealer that can sell you a car for a low enough figure to reach an equity position but need a car loan in Ohio, you should seek out a special finance manager that has experience in this area. Once you find one, ask them if you fit the program and if they think they can help you with your current down payment and monthly payment requirements. Please realize that they will not likely be able to discuss Interest rates or monthly payments over the phone in Ohio as there are privacy rules that may prevent this.