CARS. LOANS. LIFE.

4 Easy Steps to Drive Today

We Deliver to You! Just Tell Us Where & We’ll Be There
Apply Online

1. Apply Online

Give us 2 minutes, and we’ll show you the cars you are pre-approved for! The approval process is easy & 100% secure.

Get Qualified

2. Get Qualified

Other car dealerships always say they understand that bad things happen to good people – but then they don’t help. We do!

Select Your Car

3. Select Your Car

Choose from out huge inventory. Our cars even have a free vehicle history report to help you buy with confidence.

Drive Away!

4. Drive Away!

Take the keys & drive away... and a Lifetime Warranty is included on every vehicle to help save you thousands in repairs.

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Customer’s Reviews

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I admit I was a little bit skeptical on purchasing a vehicle from an online service, but after a little investigating and a friend also asking questions, I was sold. Jennifer C. was an awesome salesperson and a jewel to work with. She jumped hoops and hurdles to get my vehicle delivered to Texas and when I needed it. Thank you Jennifer, and I would definitely refer all my friends and family to The Key, all staff and finance personnel were wonderful.
Cecil O.

Dallas, Texas

How To Buy a Car if You Had a Bankruptcy or Going Through a Bankruptcy

By: S. Murray, The KEY Online

What do you do when your finances have fallen on hard times but you still need a car to take care of yourself or get back on your feet? Bankruptcy can be a big obstacle in life, but it’s not insurmountable. By being careful and taking your time, you can get your finances in order and buy a car in Oklahoma City even if you recently declared bankruptcy.

In general, someone only files for bankruptcy when they have more debt than they are able to pay. Even though a bankruptcy can help protect you from creditors and give you breathing room to recover from overwhelming debt, it’s not a silver bullet. Bankruptcy has huge effects on your credit – obviously creditors won’t be too eager to loan you money after you file for bankruptcy. There are two common types of individual bankruptcy in the United States: Chapter 7 and Chapter 13. Chapter 7 bankruptcy requires you to sell off possessions owned by creditors in exchange for your debt, but it also cancels the debt that the liquidation doesn’t cover. A Chapter 7 bankruptcy stays on your record for a long time, and you can only file for it if you meet certain conditions. Chapter 13 bankruptcies are a bit more complicated, but in some ways safer for the person filing. Under a Chapter 13 bankruptcy, you don’t lose ownership of your assets, but you will have to develop a payment plan to repay most of the debt that you owe. Chapter 13 bankruptcies can only be used up to a certain debt ceiling and only for individuals that have a certain amount of income. In general, Chapter 7 bankruptcies are far more commonplace. However, either type of bankruptcy is tough to recover from. If you need a car to get your finances back on track, a bankruptcy will probably make it much harder to get a bank loan. Buying a Car After a Bankruptcy So what can you do to get a car after you file for bankruptcy? Most of the time you’ll have a few options:

Pay Cash – One of the best ways to get a car after filing for bankruptcy is to skip financing entirely. By paying cash for your car you avoid the need to finance it or get lenders involved, and you won’t have to worry about making any payments over time either. The only downside to this option is that it’s often hard to get a lump sum of cash together to buy a car, especially if you’re looking at models that cost more than a few thousand dollars.

Shop Around for Loans – Even if you get rejected for financing from one bank, that doesn’t mean every bank will reject you. Depending on your credit, how long its been since your bankruptcy, and other factors like your income, you might have a chance of getting a loan from a traditional lender. You can also try to approach a local credit union for a loan. Many credit unions have easier terms and are more willing to help people out with loans they need than major banks.

Rebuild Your Credit – In some cases, the best option for getting a car is actually to wait it out and rebuild your credit before you shop. Taking some time to rebuild your payment history can show creditors that you aren’t a risky investment and earn you better interest rates and repayment terms than if you’d tried to get a loan earlier. If you have a car that works and don’t need another one right away, this might be your best option.

Visit a Special Financing Dealer – A final option that works for many people looking for used cars after a bankruptcy is to visit a special financing car dealership. These dealers offer financing through their own finance departments rather than working with banks or other lenders, which allows them to offer loans to customers that a bank might not work with. Special financing options can be a great resource for buyers with bad credit who need a car right away.

If you recently declared bankruptcy in Oklahoma City and need a new car to enable your recovery, come to The KEY today. We offer special financing options to buyers with bad or no credit, including buyers who recently declared or emerged from bankruptcy. We can get you approved for a car loan in just a few minutes, and we also offer free vehicle history reports and free lifetime warranties on every car we sell! APPLY ONLINE today!

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Inventory*

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    2017 Jeep Patriot
    Body Style Sport 4x4
    Color WHITE
    Mileage 27,588
    # of Doors Wagon 4 Door
    Engine 2.4L I4 DOHC 16V Dual VVT
    Transmission 5-Speed Manual T355
    Fuel Type Gasoline Fuel
    apply now
  • Image
    2017 Kia Forte
    Body Style LX Auto
    Color WHITE
    Mileage 13,279
    # of Doors PASSENGER CAR
    Engine 2.0L I4 DOHC D-CVVT MPI
    Transmission 6-Speed Automatic -inc: active eco system and Sportmatic, 3.065 Axle Ratio
    Fuel Type Gasoline Fuel
    apply now
  • Image
    2017 Hyundai Sonata
    Body Style 2.4L
    Color RED
    Mileage 40,517
    # of Doors Sedan 4 Door
    Engine 2.4L GDI 4-Cylinder
    Transmission 6-Speed Automatic w/SHIFTRONIC -inc: OD lock-up torque converter, shift lock and SHIFTRONIC mode
    Fuel Type Gasoline Fuel
    apply now
  • Image
    2017 Hyundai Sonata
    Body Style 2.4L
    Color SILVER
    Mileage 42,998
    # of Doors Sedan 4 Door
    Engine 2.4L GDI 4-Cylinder
    Transmission 6-Speed Automatic w/SHIFTRONIC -inc: OD lock-up torque converter, shift lock and SHIFTRONIC mode
    Fuel Type Gasoline Fuel
    apply now
  • Image
    2017 Hyundai Sonata
    Body Style 2.4L
    Color SILVER
    Mileage 43,541
    # of Doors Sedan 4 Door
    Engine 2.4L GDI 4-Cylinder
    Transmission 6-Speed Automatic w/SHIFTRONIC -inc: OD lock-up torque converter, shift lock and SHIFTRONIC mode
    Fuel Type Gasoline Fuel
    apply now
  • Image
    2016 Kia Forte 5-door
    Body Style 5dr HB Auto LX
    Color ---
    Mileage 3,539
    # of Doors Hatchback 4 Door
    Engine 2.0L I4 DOHC D-CVVT GDI
    Transmission 6-Speed Automatic -inc: active eco system and sportmatic
    Fuel Type Gasoline Fuel
    apply now
View Our Full Inventory


*Vehicle are examples only and may not be available at the time of viewing this page.
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About The KEY

Are you looking for a car in Oklahoma City but you have less-than-perfect credit? Come to The KEY in Oklahoma City! We’re the region’s number one buy here pay here car dealership, and we can help you get in a quality used car today.

What You Will and Won’t Find at Our Buy Here Pay Here Dealership

When you visit The KEY, you’ll see just how fun and simple buying a used car can be. Our buy here pay here dealership isn’t like any other car dealer you’ve ever been to. What makes our buy here pay here car dealership so different?

Here are just a few of the things:

No Pushy Salespeople: At The KEY, you won’t have a slick-talking salesman trying to shove you into a lemon. Our buy here pay here salespeople are trained to be easygoing and helpful. We want your experience to be relaxed and your car to be the one you love.

No Stressful Negotiating: Our buy here pay here car lot works on a simple premise. You get approved first, and then you pick the car that fits your budget. That way you know what you’re able to get from the start. This simple change makes the whole buy here pay here experience less stressful and more fun.

No Lemons: We make sure every car sold at our buy here pay here lot is going to last. After all, our goal is to get you in a car that will help you make your life easier and better. How can we do that if the car doesn’t work?

No Long Waits: At a traditional dealership, the process of buying and financing a car takes hours. In contrast, buying a car at our buy here pay here lot is simple. Just take our two-minute approval quiz online or at the store. Then finish your approval over the phone or in person, pick out your car, and drive away!

Happy, Smiling Customers: The best mark of any car dealer is how happy people are when they leave. At our buy here pay here dealership, we make sure you drive away smiling each time you visit.

Apply Today In Just 2 Minutes