Top 20 Buy Here Pay Here Dealers in Oklahoma City OK

Looking for a used car dealer in Oklahoma City OK but your credit is in bad shape?

Connect with top 20 buy here pay here Oklahoma City OK car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Oklahoma City's BHPH dealers is compiled after an extensive research based on customers’ reviews, rating, and location.

Favorable Outcomes:

  • Bad credit accepted
  • No or little down payment
  • Hassle-free process

Best Buy Here Pay Here Dealers in Oklahoma City OK

  • DriveTime Used Cars, OK

  • Don Hickey Used Cars & Trucks, OK

  • Express Credit Auto, OK

  • Auto Market, OK

  • Payless Auto Sales, OK

  • Have you ever considered buy here pay here Oklahoma City OK car dealerships? If so, have you heard of them? There are many advantages to buying a car through a buy here pay here dealerships in Oklahoma City OK compared to purchasing a vehicle through an individual or a private seller. The biggest difference between a Oklahoma City buy here pay here dealerships and a typical local dealership is that with buy here pay here dealers, nearly everything goes through your local auto dealer directly. This means that the monthly bills are made to your local auto dealer, not through some bank or other outside lender, and that the actual financial contract for your car is between you and the dealer only, instead of a bank or other outside lender. Here we have listed best such dealers sorted by reviews rating and everything you need to know about. We have also created a complete profile of each dealer so you can get everything including of contact details at one place for your next car purchase.

    When a buyer needs to purchase a vehicle, they will need to approach the Oklahoma City dealer with financing needs. The financing will depend on many things, including the amount of the down payment, the credit score of the buyer, and the income of the buyer in Oklahoma City. Many people fail to take the time to do proper research when they are shopping for a vehicle. They either go with the first financing company that they see or end up getting sold a "bad credit borrower" vehicle.

  • Integrity Auto Finance, OK


  • MB Auto Sales, OK

  • Regal Car Sales and Credit, OK

  • Super Sports, OK

  • Did you know? These BHPH Oklahoma City OK dealers are also good sources for full coverage vehicles. They will cover every repair and maintenance detail on a vehicle when the buyer makes a purchase here. This is because the vehicle's title will not have to be immediately released after the buy here pay here transaction. This ensures that the buyer will be fully protected in case of a repossession.

    The used-car buying experience is extremely easy when it comes to buying from a buy here pay here Oklahoma City dealership. The financing will actually be handled directly by the lending institutions that finance many different kinds of auto loans. Therefore, the buyers will never even have to step foot into a dealership to get the job done. The financing will be offered to them at the comfort of their own residence. Buyers are never under any obligation whatsoever to purchase anything from this particular dealership. As long as they can afford the payments, they can choose to buy here pay here.

    Buy Here Pay Here vehicles are almost always sold with full coverage on the odometer. The dealer will add the actual retail cost of the car to the principal amount owed on the loan once it is sold. In many cases, the entire amount of the financed vehicle's retail price is covered by the lender, which means that the buyer will never have to worry about making any payments that fall outside of the monthly budget outlined for him or her. This includes making payments on fees and accrued interest. These types of financing transactions also allow buyers who need to drive a specific kind of car or model to get one that fits their budget.

  • Auto Solutions, OK

  • The Key, OK

  • City Auto Sales, OK

  • Best Price Auto Sales, OK

  • Import Motors, OK

  • The phrase buy here pay here Oklahoma City OK car lots might have been coined recently to draw in buyers who don't have a lot of extra money to spend on their cars. Oklahoma City Buy here pay here car lots are those that do not require you to leave your home before you can buy your new car. These lots accept your payment in advance and usually give you a lot of time to shop around for the best deal. The reason these lots are so attractive is because you do not have to worry about financing your vehicle while at the same time still giving the dealer an opportunity to earn their fee. In order to make sure you are getting the right car, you want to be sure you are getting the best price possible.

  • Ital Auto, OK

  • Go Auto, OK

  • Auto Resources, OK

  • Best Buy Here Pay Here, OK

  • Best Buy Here Pay Here, OK

  • Why buy here pay here Oklahoma City OK car dealerships is the right option?

    Usually, when you sign a contract to buy a car with a traditional car dealership, it involves a third party to provide loan for the vehicle. These auto lenders generally have very strict standards for getting the car loan approved. Therefore, the people with bad credit have to deal with car loan rejection. This is where Buy Here Pay Here Oklahoma City OK car dealership comes which provides easy loan for the vehicle. With a buy here, pay here dealership, the dealer takes care of the entire buying process from selling the car to financing the car on its lot.

    BHPH Oklahoma City OK dealerships work with a very straightforward process where buying a car and getting financed at the same time is made pretty simple. They specially work with people with poor or no credit. So no worries even if you have poor credit. Most of the time, the customer can drive their new vehicle the same day they visited the shop. This is an amazing experience you will ever have.

    How Buy Here Pay Here Oklahoma City OK Works

    When the bank says no to your car loan, the buy here pay here Oklahoma City OK car lots comes to guide you in the right direction to help you get the car of your choice. The process of buying used cars from a buy here pay here Oklahoma City OK dealer is pretty simple which starts with your visit to any of the dealers listed here. You tell them your car requirement including a specific car model you’re looking for and overall budget. Based on your budget, the dealer shows you a number of cars with desired car models. Once you find the car of your choice, the dealer works with their own exclusive lender for financing the car. The dealer completes the small paper work and hands over the vehicle to you mostly on the same day.

    Buy Here Pay Here Oklahoma City OK car lots – In-House Financing with Zero Down Payment

    After considering your monthly income and current situation, the dealer may offer you the purchase with no down payment at all. Even if there is any scope of down payment depending upon credit and the price of the vehicle then it starts with a very small amount. Overall, they provide you very customized and flexible financing option that best suits your particular situation.

    Usually, the payment cycle runs monthly and the loan term can run between 6 months to 5 years, heavily depend on the price of the car and the upfront payment you make.

    To make the buying process easier, most of the buy here pay here dealers don’t require expensive full coverage car insurance instead they provide vehicle with full coverage that covers repair and maintenance part. This ensures that the vehicle is fully protected.

    Know the Facts - Buy Here Pay Here Oklahoma City OK Car lots Dealership

    The one thing is very true about buy here pay here Oklahoma City OK is that it brings you the best conditioned cars with low miles and a good engine and all is made available at flexible financing options. But when you get your vehicle financed through a dealer’s in-house financing, the interest rates on loan are higher than the loan from a bank or credit union.

    The most of the buy here pay here dealers report the customers’ payment record to significant credit bureau which results into a positive effect on your credit score. Thus, by making timely payment, it does help to improve your credit score.

    Because these Oklahoma City OK dealers deal with people with poor credit, so there is high risk in financing the vehicle to such people and that is why most of the vehicles are installed with tracking device to help locate the vehicle’s current location for repossession, in case the customer fails to make the payment.

    Buy Here Pay Here Oklahoma City OK – Fast Approval Low or no credit score

    The buy here pay here Oklahoma City OK dealers come with their in-house financing program that doesn’t take more than an hour to process the loan. This is a kind of service you will not get from regular dealers. This saves you a lot of time as well as gives you a hassle free car buying experience.

    Unlike regular dealers, BHPH dealers are more transparent about their pricing and terms of loan which gives peace of mind to the customers.

    BHPH Oklahoma City OK Dealer – Preapproval of Application

    However, it is mandatory to visit the dealer shop to find the vehicle of your choice, but if you want to confirm beforehand whether the dealer will accept your loan application or not, then you can send your requirement online. Once the BHPH Oklahoma City OK dealer confirms the approval of your application, you can schedule your visit to make the purchase. This again saves you time that you would have spent at dealership.

    Advice on BHPH dealership Oklahoma City OK

    Generally, we advice customers to go to the traditional lenders first such as banks, credit unions, or finance company. But if your application gets rejection from all of these traditional options then BHPH dealers are the one who can make things possible for you irrespective of your poor credit score.

    Unlike traditional lenders, BHPH dealers understand the fact that genuine people may have bad credit score either due to huge medical bills or unexpected divorce or any other family issues. Therefore, they show the trust on these people and make the purchase possible for them.

    Average Credit Score to Buy a Used Car from BHPH dealer Oklahoma City OK

    The credit score becomes very crucial when it comes to getting loan approval especially when it is through traditional financer like bank or credit union.

    If a customer is looking to buy a used car through traditional financing in Oklahoma City OK, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Oklahoma City OK accepts the request of these customers also who have credit score below 600. They provide loan on used car through special financing program. Thus, BHPH Oklahoma City OK is a great option for those who have poor bank record and bad credit score.

    The credit score does not only determine the approval or rejection of the loan application but it also determines the interest rate. The lower the credit score will be, higher the interest rates you will pay. The BHPH dealers vary in interest rates, so you should compare their interest rates properly before venturing into any agreement.

    Oklahoma City OK buy here pay here Reviews

    Here is what users says about Oklahoma City BHPH dealers listed here. You can read reviews of individual dealer at their profile page.

    1. buy here pay here Oklahoma City dealer review by Kiki V

      Kiki V rated DriveTime Used Cars

      I had such a wonderful experience! We walked in and got our approval about ten minutes later. We knew our down payment and only looked at vehicles in that range. Our salesman Chris Parcher was patient with me while I looked at each car and allowed me test drive what I wanted to. I spent the most time picking my car and everything else went quickly. The process was quick and smooth and I left feeling happy. Thank you Chris for your patience and understanding you were great!!!

    2. buy here pay here Oklahoma City dealer review by Annie Glover

      Annie Glover rated DriveTime Used Cars

      Very awesome staff and professional as well. Chris helped my husband and I out with getting into a new vehicle we are really happy with. He was very friendly and good at explaining everything. There was no pressure to buy and he was very patient with us. I highly recommend using this dealership again and using Chris as a representative if I do business here again.

    3. buy here pay here Oklahoma City dealer review by Carletta Hinkle

      Carletta Hinkle rated Don Hickey Used Cars & Trucks

      Wonderful team. I've bought 3 cars from them and still have my Dodge. They are very professional and I love them. My next car will be from them.

    4. buy here pay here Oklahoma City dealer review by Gerry Parker

      Gerry Parker rated Don Hickey Used Cars & Trucks

      The team at Don Hickey is awesome. I have had my car almost a year and any car problems I have had they have fixed with no question. They are so helpful and friendly it is amazing. Vanessa, George, josh, zach are so friendly. I am sending my family to don hickey.

    5. buy here pay here Oklahoma City dealer review by MThomas

      MThomas rated Express Credit Auto

      Frank is incredible. He was very prompt in responding to my inquiry. Asked me what I wanted in a vehicle and went to work. We tried a few trucks and found exactly what I wanted. The hard part was getting me financed, I am not the most credit worthy customer. It was easy on my part, he did all the heavy lifting. I am in the exact truck I wanted with a payment I can make. I am now a customer and could not be happier. Frank has redeemed my faith in salesmen. If you need a vehicle this is a great place.

    6. buy here pay here Oklahoma City dealer review by Cassandra Hallock

      Cassandra Hallock rated Express Credit Auto

      OMG thank you!!!! Very helpful very greatful. Super excited and happy with the service and the helpfulness I got from them. It was amazing. Thank you. Definitely recommending and possibly come back.

    7. buy here pay here Oklahoma City dealer review by Nicco Long

      Nicco Long rated Auto Market

      Shawn was extremely helpful with the purchase of my new vehicle. He also educated me on an extended warranty for my vehicle. I couldn’t be more satisfied with Auto Market and the entire staff! Definitely would recommend them to any one looking to purchase a new car. Any kind or car you want they will do anything to help!! Also I want to thank Sonny at Auto Market for not letting me drive off without a full tank of gas. Thank you!

    8. buy here pay here Oklahoma City dealer review by Mark Jeans

      Mark Jeans rated Auto Market

      Best car buying experience! Shawn is great! Smooth easy and fast! Very helpful and went above and beyond to make sure my suv was mechanically sound and cleaned and ready to go! If I am in the market again Ill definitly keep them as an option. Good selection of trucks and suvs and some cars that I haven't found anywhere else...they find them. ??????? You wont fina a small car dealer that was positive and willing to help and make your experience smooth and easy. You need a car truck or SUV....and they will do all they can to get you in it AND make it easy to make your payments ????

    9. buy here pay here Oklahoma City dealer review by Teresa Johnson

      Teresa Johnson rated Payless Auto Sales

      I went to Payless Auto Sales looking for a reliable car within a reasonable price. Olivia and Megan were great, helped me with getting my payments where I wanted, and the application/approval process was fast and efficient. I definitely recommend buying from them!!!

    10. buy here pay here Oklahoma City dealer review by bree singleton

      bree singleton rated Payless Auto Sales

      Megan helped us with a great van for our growing family.  She was no pressure but incredibly helpful and accommodating!  Thanks Megan and Payless Auto for making the vehicle buying process smooth and enjoyable.  We will definitely look to your business the next time we need a vehicle.

    11. buy here pay here Oklahoma City dealer review by Quinton Stueart

      Quinton Stueart rated Integrity Auto Finance

      Had a great time connecting with the sales at the dealership got me into just what I wanted for a good price.. I also have a great account manager Tammi Shaw makese feel confident and helps me understand exactly what I'm paying for.. I'm a very happy customer..

    12. buy here pay here Oklahoma City dealer review by Shannon Pineda

      Shannon Pineda rated Integrity Auto Finance

      This place is amazing my credit is not great but Jeremy my sales guy made me feel right at home put me in a 2019 vehicle and the payments I needed. If there was a 10 star this place definitely deserves it.. Thanks Guys.

    13. buy here pay here Oklahoma City dealer review by Brittany Delay

      Brittany Delay rated I-35 CREDIT AUTO

      I have had my car for almost a year. I am now in need of the car being looked at after an issue I had yesterday. I called the office and left a message with service. I was called back in less than 2 minutes and was assured this would be taken care of and apologized to so much for something that is completely out of their hands. You don't even know how appreciative that makes me. I was worried because my warranty is up in a month, and I am now at ease. As for everything else, getting into my car was super easy. I will say the payments are high, but I'm sure most if not all buy here pay here lots are and the car will be paid off sooner than most other places. I came here because they had great reviews and they have not let me down. They report my payments to the credit bureau every month as well. I get a text and a phone call when my payment is due so I do not forget. When I got my car, I was told that they would work with you if you get to where you cannot make your payment. Thankfully I haven't had to do this yet, but I am confident they would do everything they can as long as you communicate with them.

    14. buy here pay here Oklahoma City dealer review by Tim Berryman

      Tim Berryman rated I-35 CREDIT AUTO

      Big selection of quality vehicles of all makes and models. Great staff and knowledgeable salesmen and women. Mark and Z are incredibly friendly and Donna goes above and beyond anytime I need her or have questions. I will definitely be a lifetime customer. They helped me get Into a great vehicle when everyone else turned me away!

    15. buy here pay here Oklahoma City dealer review by Cynthia Heldreth

      Cynthia Heldreth rated MB Auto Sales

      Moh is amazing to work with! He has genuine integrity that is uncommon on used car lots. My husband and I are very pleased with our experience.

    16. buy here pay here Oklahoma City dealer review by bruce nutt

      bruce nutt rated MB Auto Sales

      It's not very often that a used car dealer will take back a car that you've already bought that broke down a couple of weeks after you've bought it--but that's exactly what happened at MB Auto Sales. Neither one of us had any indication that the transmission would fail. As that one tractor sales jingle says "Ain't got no fancy decor--Ain't got no carpet on the floor". But personally, all I want is a reliable car for a reasonable price--MB Auto Sales gave it to me--THANKS MB-- And he said he would work with me if the car I've got now fails--Can't ask for more than that. Bruce Nutt

    17. buy here pay here Oklahoma City dealer review by jamee corbett

      jamee corbett rated Regal Car Sales and Credit

      Regal car and sales is amazing come in and see Liza she is awesome and gets you approved quickly. This place actually cares about getting their customers in great cars. Me and my family are happy :) COME SEE LIZA

    18. buy here pay here Oklahoma City dealer review by Christina Acosta

      Christina Acosta rated Regal Car Sales and Credit

      My boyfriend and I were in need of a great SUV car and Micheal Hunt helped us out. He did so good at meeting our needs and we found a car we loved. Their downpaymets and monthly payments are so reasonable you can't say no to the deal they offer!! Michael Hunt was friendly and made us feel comfortable through the whole process. I am very happy and pleased with the service and purchase we made. Thank you so much Regal!!

    19. buy here pay here Oklahoma City dealer review by Scott Ginn

      Scott Ginn rated Super Sports

      I’ve bought many cars from super sports and always been great been doing business with them. Clayton and Rodney hard to beat.

    20. buy here pay here Oklahoma City dealer review by Clyde Johnson

      Clyde Johnson rated Super Sports

      Awesome guys. They really helped me out when they didn't have to. Great place

    21. buy here pay here Oklahoma City dealer review by Bugsy Siegel

      Bugsy Siegel rated Auto Solutions

      We had an absolutely great experience with auto solutions. We purchased a Mercedes ML 320 with straightforward service in all of our questions answered upfront. We love our new vehicle and couldn’t be happier with it. Thank you again and we appreciate it and look forward to doing more business in the future.

    22. buy here pay here Oklahoma City dealer review by sorov lorov

      sorov lorov rated Auto Solutions

      Absolutely amazing place; nice people, good cars, and they go out of their way to get you in one; I've been to a lot of dealerships and this is definitely one of the best.

    23. buy here pay here Oklahoma City dealer review by Lendon Rush II

      Lendon Rush II rated The Key

      I went to buy a car at The Key today and I was helped by Sierra she was very helpful and very nice. She went out of her way to make sure that I was able to purchase a vehicle and drive off the lot today. I would highly recommend The Key anytime you are looking to purchase a vehicle. Thank you very much Sierra. Your an awesome lady!!!

    24. buy here pay here Oklahoma City dealer review by Kim Garcia

      Kim Garcia rated The Key


    25. buy here pay here Oklahoma City dealer review by brianna kirk

      brianna kirk rated City Auto Sales

      My husband and I purchased our first car together from here. This service was perfect, and so was the care. They politely explained all of the paper work for us. Then about a week later our car had trouble, they looked at it and loaned us a car while the manufacturer fixed the vehicle. Absolutely free due to a recall. They supplied us with 2 working cars during our wait and were so very courteous as well as on the ball with updating us regularly. We're buying a second car next year, and we're only coming here. 10/10 would recommend

    26. buy here pay here Oklahoma City dealer review by Linda Ramirez

      Linda Ramirez rated City Auto Sales

      Damon and Jesus are awesome I came here after having a horrible first experience at another car lot but city auto sales got me fixed and in the vehicle I wanted! They’re customer service is 100% awesome their genuine! Highly recommend!

    27. buy here pay here Oklahoma City dealer review by Dan Gannon

      Dan Gannon rated Best Price Auto Sales

      Most importantly they do HONEST business. The staff was great, place was clean, plenty of cars to pick from. But that is not why I am leaving a five star review. I had an issue after all the paperwork was signed and the car was mine. They legally didn’t have to help me with my problem, but they did and didn’t ask me for a dime. If you don’t have the best credit and you want to deal with honest people, this is the place.

    28. buy here pay here Oklahoma City dealer review by Gregg Boonstra

      Gregg Boonstra rated Best Price Auto Sales

      Great and friendly staff. Didn’t feel like your typical used car buying experience. I would go back to buy another car

    29. buy here pay here Oklahoma City dealer review by Angel Hamilton

      Angel Hamilton rated Import Motors

      I LOVED MY CAR BUYING EXPERIENCE. SOOOO helpful, great selection and price. I will ONLY buy cars from here from now on. Arsha was amazing. THANKS SO MUCH

    30. buy here pay here Oklahoma City dealer review by Phoenix R. Cavalier

      Phoenix R. Cavalier rated Import Motors

      I looked across the country for a 2004 to 2008 F-250 in good shape, with less than 150k miles, that wasn't priced above $10k. I also wanted the car to be free of rust, and have a decent interior. With F-250s being work trucks I was asking for a lot. Nationally, there were about 3 to 5 options any given week that fit the bill. Import Motors had the best price, and the F-250 Extra Cab on their lot was an FX4, with just under 140k miles, and the out the door price after taxes and fees was well under 10k. I worked with Arsha who was friendly, and a good communicator. He made it easy to manage a vehicle purchase in OKC all the way from Washington state, which was very helpful. He also responded when I asked for videos of the car running, closeup photos of the truck bed and undercarriage. He even responded to a question on his day off, which was top notch. I sent a deposit and secured the vehicle, with the plan to have it shipped. When I chose to fly to OKC and drive the truck to a family member in Arizona, Arsha picked me up from the airport, no problem. Arsha also found a shipping company that could have delivered the truck to AZ for a very low price, which was awesome. The vehicle was as described with only a few things I missed in the photos - it was overall as promised. The team was friendly at Import Motors, and the prices were fair as well. While the truck will need a little work, the items are basic maintenance, not any defects. If you're considering a car from Import Motors in OKC, I'd certainly stop in and take a closer look. It might be just the vehicle you're looking for. It certainly was for my family. To top it all off, I asked for a full tank of gas, and they made it happen, so I could get on the road right from the dealership. Excellent!

    31. buy here pay here Oklahoma City dealer review by Morris Mills

      Morris Mills rated Ital Auto

      Was able to get into the mini I wanted all thanks to Paul and Steven. The process was very fast and their customer service was outstanding. I will definitely be back for future cars and will refer family and friends.

    32. buy here pay here Oklahoma City dealer review by Roland Lowe

      Roland Lowe rated Ital Auto

      Easy to do business with. I drove 60 miles to get my car. They had a good deal and I didn't feel lied to. Jesse is a straight forward guy and there's no BS. He explained everything very well.

    33. buy here pay here Oklahoma City dealer review by Lela Peavy

      Lela Peavy rated Go Auto

      Pleasure to talk with, works with you on making a buy.

    34. buy here pay here Oklahoma City dealer review by Olivia Eikenbary

      Olivia Eikenbary rated Go Auto

      Had issues with my vehicle. Not only did he make sure it was right, he was friendly and reliable! His prices are fair and works quick, to get me back on the road quickly and safely. Now my only mechanic!

    35. buy here pay here Oklahoma City dealer review by Google User

      Google User rated Auto Resources

      I greatly appreciate these people. Floyd and Mel were very understanding and worked with me. They gave me great deal on my trade-in & my new payments on my 2010 Chevy Equinox.

    36. buy here pay here Oklahoma City dealer review by Mandie Marie

      Mandie Marie rated Auto Resources

      Best place to buy a vechicle is this place!!!!! I have bought two vechicles from them and both times i had excellent service bruce is the best i highly recommend this place to everyone if you want a great car suv or truck this is the place to go......

    37. buy here pay here Oklahoma City dealer review by Libra Gurl

      Libra Gurl rated Best Buy Here Pay Here

      Wonderful experience! We Love ?? For Tammy H. And The GM and the supervisor, Brad, were very understanding and able to work with us on our repo history. We are now in a FULLY EQUIPPED 2003 Ford F-150 Triton (extended cab) complete with DVD player in the back and a touchscreen radio!!!

    38. buy here pay here Oklahoma City dealer review by Fancy Face

      Fancy Face rated Best Buy Here Pay Here

      Love Amanda... Very helpful

    39. buy here pay here Oklahoma City dealer review by Princess Tiffie

      Princess Tiffie rated Best Buy Here Pay Here

      Alex was one of the best car sales men I've ever had a chance to meet. He was awesome from the first point of contact . He did everything he said he would and I walked away with a beautiful, nice working car . It was so easy and my payments are super low. I appreciate Alex and I'm glad I choose to go here . Thanks for everything Alec ?

    40. buy here pay here Oklahoma City dealer review by Odessa Gonzalez

      Odessa Gonzalez rated Best Buy Here Pay Here

      This is my second car from here. I loved my Ford Fusion! Thank You ALEX for a job well DONE!!! Thank you for doing everything you can to get us in a car and get us back on the road as fast as you can!

    BHPH Oklahoma City OK dealer

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