To begin, all you need to do is fill out our online credit application. The retail installment contract sets forth the details of how the financing is to work.I'm new to car financing. What got me confused is that my bank wants purchase agreement or bill of sale before sending out a check to the dealer. Are you thinking of leasing but need clarification on all the terms? Our list of terms will help you understand the leasing process. In Ohio, a bill of sale is recommended to transfer ownership of a motor vehicle or boat. This secure online system allows a motor vehicle title to be transferred electronically, from private person to private person. Use an online car loan calculator to see estimated monthly payments based on a car's cost, the down payment and interest rate. The staff at Ron Marhofer Nissan is here to answer all of your questions about the car buying process!