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Buy Here Pay Here 500 Down Car Loans – Oklahoma City

Visit us today at The Key Cars, your premier buy here pay here destination in Oklahoma City, OK. Here, we unlock a world of hassle-free in-house financing, welcoming everyone, regardless of credit history, to get their dream ride. And with loans starting at $500 down or less in many cases, we also make the car buying experience affordable.

A Valid Driver's license

Must be able to present a valid Oklahoma driver's license.

Current Stub

Paycheck Sub of $2000/month net income. If self employed, we will need bank statements, or tax returns.

Current Proof of Residence

Utility bill or other piece of mail in your name no more then 30 days old.

A Valid Driver's license

Must be able to present a valid Oklahoma driver's license.

Current Stub

Paycheck Sub of $2000/month net income. If self employed, we will need bank statements, or tax returns.

Current Proof of Residence

Utility bill or other piece of mail in your name no more then 30 days old.

Vehicle Search

Quick & Easy Approval

we match your down payment - up to $3000

Call Now 405-526-7010

Benefits of Our $500 Down Car Lots in OKC

Here are the top benefits of choosing this option:
Easy Approval, No Credit Check : Buy here pay here 500 down offers easy approval with credit checks, regardless of past credit issues or financial setbacks.
Flexible Financing Terms : $500 down car lot offers flexible financing with affordable monthly payments and extended repayment terms.
Quick & Simple Application Process : Application process at The Key Cars is fast and simple, often providing approval within 15 minutes.
More Vehicle Options : With our $500 down buy here pay here program, you can access a wide selection of vehicles, including fuel-efficient sedans, family SUVs, and trucks.
Opportunity to Build or Repair Credit : Financing through our buy here pay here 500 down option helps rebuild your credit.
No Hidden Fees or Complicated Terms : Our Buy here pay here OKC $500 down program is straightforward and transparent, with no hidden fees or confusing terms.

When You Buy from The Key?

We welcome all credit types – bad or good. Let’s find your perfect car deal

All Credit Welcome

Quick and easy approval process, even with challenging credit.

Easy Approvals

Buy Here Pay here OKC financing solutions for all bad credit or no credit situations.

Custom Financing

Explore our selection of high-quality vehicles at competitive prices.

Quality Vehicles

Enjoy peace of mind with our 1 Year Limited Warranty on every vehicle.

Warranty Included

Get a great deal on your trade-in. Upgrade your ride with us!

Trade-In Offers

Earn rewards with our referral program. Refer friends and save on your purchase!

Referral Bonuses

Choose from a wide range of cars, trucks, and SUVs to suit your style.

Vast Selection

Improve your credit score with every purchase. We report to credit bureaus.

Credit Rebuilding

Our team is here to assist you every step of the way. Contact us for personalized support

Personalized Support

Apply Now

Find your perfect $500 Down Buy Here Pay Here vehicle
99% Approval Rate – Almost all customers are approved.
1-Year/12K Mile Warranty – Every vehicle comes with a limited warranty.
150+ Vehicles in Stock – Large selection of cars, trucks, and SUVs.
Customer Satisfaction – 4.7-star average rating based on over 2,400 reviews..

Hear What Our Buyers Have to Say

4.7

2,780 Google Reviews

3 months ago

Justin did a great job and got me in to a vehicle that i love!

4 months ago

Place was pretty good, it was a quick process the longest process was them getting the vehicle ready. They stayed in contact with us. I would ask for Scott or Justin they were the main ones who helped. Got the car of my dreams, would definitely refer someone.

4 months ago

Scott was very respectful and nice I thought there was a problem with the car I was fixing to buy and he reassured me there was nothing wrong with it after he test drove it himself would reccomend to other people and can't wait to continue business with him.

5 months ago

Jose was great he was very helpful and made sure that we were taken care of till the deal was done. Thanks for everything Jose.

4 months ago

Miracle worker alert. I walked in thinking there was no damn way I was leaving with a car. Credit was meh, budget was tight, and I’ve had smoother experiences at the DMV. But Mike said, “Hold my coffee,” and pulled off some wizard-level sorcery. He got me in a car when no one else even tried. Not pushy, not fake — just solid, straight-up help with a side of jokes. If you’re looking for someone who gets it done and makes you laugh while doing it, this is your guy.

5 months ago

was an amazing experience

3 months ago

Mike was very helpful and helped me get exactly what I wanted to get in. He was very respectful and got me in and out in a timely manner and also explained everything to me as well. He was A1 I would definitely be referring ppl to him. Thanks Mike

4 months ago

Thanks a bunch Patrick Dempsey. I was extremely pleased with your willingness to overcome obstacles. I appreciated your friendliness and positive outlook. The team at the keys made the car buying process delightful and non judgemental. 🙌 Thank you guys for a wonderful experience.

2 months ago

Joes was awesome in helping me seal the deal! He answered all my questions about the vehicle. The dealership was clean, no pressure to purchase. Everyone in the dealership were super friendly. I appreciate the excellent experience

2 months ago

Jose was very helpful and patient.

Buy Here Pay Here in OKC $500 Down

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By clicking “Agree and Submit!” below, I am providing my ESIGN signature and express written consent agreement to permit The Key Cars – and parties calling on their behalf – to contact me at the number provided above for marketing and sales purposes, including through the use of automated technology, SMS/MMS messages, AI generative voice, and prerecorded and/or artificial voice messages related to the product I'm inquiring about. I acknowledge my consent is not required to obtain any good or service and to be connected with sellers that can fit my needs without providing consent I can call 405-526-7000.
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By clicking “Agree and Submit!” below, I am providing my ESIGN signature and express written consent agreement to permit The Key Cars – and parties calling on their behalf – to contact me at the number provided above for marketing and sales purposes, including through the use of automated technology, AI generative voice, and prerecorded and/or artificial voice messages related to the product I'm inquiring about. I acknowledge my consent is not required to obtain any good or service and to be connected with sellers that can fit my needs without providing consent I can call 405-526-7000.
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How long have you lived in Oklahoma?*

Less than 2 years

2-5 years

Over 5 years
Do you own your home?*

Yes

No
Do you have a valid OK drivers license?*

Yes

No
Have you ever had a repo?*

Yes

No
Have you ever paid off a vehicle?*

Yes

No
Do you currently have an open auto?*

Yes

No
How many Repos do you have within the last 2 years?*

What is your total monthly take-home income (Net)?*
How much do you have for a down payment?*
Do you have any other income?*

Yes

No
Do you want to trade in a vehicle?*

Yes

No

Low Down Payment Options : Say goodbye to financing stress at The Key Cars, where we recognize that life has its unexpected twists, from financial setbacks to credit challenges. Our in-house financing says yes, where others may say no. Whether it’s bankruptcy, foreclosure, or overdue payments, we’re here to pave the way to your automotive dreams with a process that’s simple and transparent, including down payments of $500 or less.
Get Approved Today : We believe in partnership as well, and our goal is to help you get the car you need. Our team works hand-in-hand with you to craft tailored financing solutions, from affordable down payments to competitive interest rates. Your unique situation deserves unique attention, and that’s what we deliver. We approve 99% of customers!
Exceptional Customer Service : But our dedication doesn’t stop there. At The Key Cars, exceptional customer service isn’t just a goal—it’s our ethos. Every interaction is an opportunity to enhance your experience. We’re not just selling cars; we’re building lasting relationships. We don’t have pushy salespeople or stressful negotiating, and we never have long waits, allowing you to experience a streamlined buying process with quick approvals.

Preparing for Your Visit
Here’s what you’ll need when you visit us to secure your spot in our buy here pay here 500 down programs:
Valid Identification: Driver’s license or state ID.
Proof of Income: Recent pay stubs or bank statements.
Proof of Residence: Utility bills or lease agreements.
Trade-In Vehicle (Optional): Bring your current car for evaluation.

Find Your Next Buy Here Pay Here OKC $500 Down Vehicle
“Cars, Loans, Life” isn’t just a slogan—it’s our commitment. With a 1 Year/12K Mile Limited Powertrain Warranty, a loyalty program offering reduced rates, and a generous referral program where you can earn a free vehicle, satisfaction is our promise. Discover the difference at The Key Cars, where your automotive needs take center stage. Visit us today and experience our low $500 or less down payments in Oklahoma City, Oklahoma.

Frequently Asked Questions

How long do I have to pay off my car loan from a $500 down car lot in OKC?

The repayment term for a $500 down car loan depends on the dealership and the cost of the vehicle. Most of our car loans are 24-48 months with the avg term around 36 month.

Can I trade in my old car when buying with your buy here pay here program?

Yes, you can trade in your old vehicle to reduce the amount of your down payment or loan balance. The trade-in value will be assessed, and the offer will be applied to your $500 down payment or used as a down payment towards your new vehicle.

Is a buy here pay here 500 down loan a good option for people with bad credit?

Yes, it is an excellent option for those with bad credit, as we focus on providing financing options to individuals who might not qualify for traditional loans. The down payment is relatively low, and approval is often based on income rather than credit history.

Are the cars sold at $500 down car lots in OKC inspected for quality?

We inspect the vehicles before selling them to ensure they are safe and functional. It’s always a good idea to ask about the car’s history and whether it has been thoroughly inspected for any potential issues.

Can I pay off my car loan early?

Yes, you can repay the loan early to boost your credit. For more details on this option, please refer to our policies for a clearer understanding of how they work.

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