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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 4 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
The Key Cars in OKC stands as the leading Buy Here Pay Here (BHPH) dealership. For those struggling with credit issues, BHPH offers a lifeline. The Key Cars makes the car-buying process simple and accessible. We prioritize providing affordable, reliable vehicles to our customers. Our financing options are designed to be stress-free, ensuring a smooth experience for every buyer.
Our dealership offers a unique approach, focusing on customer needs. We understand the challenges of traditional financing. Therefore, we provide flexible solutions tailored to individual situations. This personalized service ensures everyone has the opportunity to drive away in a vehicle they trust.
Our commitment goes beyond selling cars. We are dedicated to our community, offering value and support. By choosing The Key Cars, customers experience top-notch service and a dealership that truly cares about their success.
Buy Here Pay Here (BHPH) is a financing option offered by dealerships, like The Key Cars, that act as both the seller and lender. This arrangement simplifies the car-buying process by eliminating the need for third-party banks or credit unions. It is particularly beneficial for individuals with poor or no credit, as it offers an easy path to securing automotive financing. Since the dealership directly manages the loan, approval typically hinges on proof of income and residency rather than traditional credit checks.
BHPH financing provides a unique value by enabling buyers to purchase vehicles without the stringent requirements of conventional lending institutions. This accessibility helps individuals rebuild their credit over time through consistent payments. The convenience of making payments directly to the dealership can streamline the buying experience. Overall, BHPH serves as a viable alternative for those who might otherwise face challenges in obtaining financing.
Buy Here Pay Here (BHPH) financing is a car buying option where the dealership itself provides the financing. This means you make payments directly to the dealership rather than a third-party lender. It is designed for buyers with limited credit history or past credit issues. The approval process is typically faster and more flexible, focusing on your current income rather than credit scores.
Yes, BHPH financing is specifically tailored for individuals with bad credit or no credit history. The Key Cars reviews your income and ability to pay, rather than relying on traditional credit scores, increasing the likelihood of approval.
The Key Cars offers a wide range of vehicles, including sedans, SUVs, and trucks. They ensure quality by thoroughly inspecting each vehicle before it reaches the lot. This variety caters to diverse preferences and needs, providing reliable options for every customer.
You can often receive approval for BHPH financing within the same day. The process at The Key Cars is designed to be efficient, allowing you to drive away in your new vehicle promptly. This quick turnaround is ideal for those needing a fast solution to their transportation needs.
To apply for Buy Here Pay Here (BHPH) financing, you need a valid driver’s license, proof of income such as recent pay stubs or bank statements, proof of residence like a utility bill, and a down payment. These documents help the dealer assess your financial standing and eligibility for financing.
Yes, Buy Here Pay Here financing may include additional fees such as processing fees, late payment charges, and possibly higher interest rates compared to traditional loans. It’s essential to review the contract carefully to understand all costs involved.
Yes, The Key Cars report payments to credit bureaus. This reporting can help rebuild your credit score, provided payments are made on time. Timely payments show creditworthiness and can improve your credit profile.
The Double Down Payment Sale is a promotional offer where The Key Cars match your down payment, effectively doubling it. For example, if you pay $500 down, they add another $500, increasing your total down payment to $1,000. This promotion aids in reducing the overall loan amount and monthly payments.
Yes, The Key Cars includes a 4 year limited warranty with every vehicle purchase ensuring peace of mind for buyers.
The Trade-Out Program allows customers to upgrade their current vehicle to a newer model. It works by assessing the value of your current car and applying it towards the new purchase, simplifying the upgrade process.
Yes, you can use a trade-in vehicle as part of your down payment. The value of your trade-in will be credited towards your new vehicle, reducing the overall amount you need to finance.
The Key Cars’ referral program rewards you for recommending our services. We will pay you $200 for your first referral that purchase, $300 for your 2nd, $400 for 3rd, all the way up to $1000 for the 9th and all referrals after.
You’re seconds away from stepping into your next vehicle
99% Approvals
Low Down Payments
4 Yr Limited Warranty
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