Credit Car Sales in Oklahoma City: Buy-Here-Pay-Here Financing for Used Cars

Credit Car Sales is a buy-here-pay-here dealership on Oklahoma City's south side that finances used vehicles directly to buyers with poor or no credit history, requiring no traditional bank loan or credit check.

What Credit Car Sales actually is

Buy-here-pay-here dealerships differ fundamentally from conventional used-car lots. Instead of selling you a car and collecting one payment, Credit Car Sales holds the title, sets up a payment schedule (usually weekly or bi-weekly), and uses GPS tracking and starter interrupt devices on most vehicles as security. The business model exists because traditional lenders reject applicants with credit scores below roughly 580 or those with recent bankruptcy, repossession, or no credit file. Credit Car Sales serves that market directly, pricing vehicles to reflect the higher risk of non-payment.

Inventory, pricing, and payment terms

Credit Car Sales typically stocks used sedans, pickup trucks, and SUVs in the $3,000 to $8,000 price range, most with 80,000 to 150,000 miles. Weekly payment plans usually run $80 to $150 per week depending on the vehicle's purchase price and the loan term (often 18 to 36 months). Down payments typically start at $500 to $1,000. A starter interrupt device (which prevents the engine from starting if a payment is missed by more than a few days) is standard on financed vehicles. The dealership charges interest rates between 18 and 22 percent APR, which is legal for this sector but substantially higher than traditional auto loans (currently 6 to 9 percent at most Oklahoma banks for prime borrowers).

Verify current payment schedules and vehicle availability before visiting, as inventory turns weekly and terms may shift with fuel costs or operational changes.

How it compares to other Oklahoma City options

Applicants rejected by traditional lenders face three paths: buy-here-pay-here dealerships like Credit Car Sales, "buy-here-pay-here" lots operated by used-car chains, or in-house financing through independent used-car dealers. Chains like Westgate Auto Finance (also on Oklahoma City's south side) operate similarly but often stock higher-mileage vehicles and charge comparable rates. Independent used-car lots occasionally offer in-house financing but typically require a larger down payment (20 to 30 percent) and faster repayment (12 to 18 months). Credit Car Sales' advantage is flexible weekly payments that match payday cycles for hourly workers; the trade-off is the starter interrupt device and the highest interest cost over the loan's life. For someone with a credit score above 620 and stable income, a credit union auto loan (Oklahoma Credit Union or Tinker Federal) will cost 3 to 5 percent less in interest and carry no tracking device.

Who this fits and who it doesn't

Credit Car Sales suits someone who was denied credit elsewhere, needs a car immediately to keep a job, and can manage weekly payments from a paycheck. It also works for someone rebuilding credit who wants to establish a payment history with a lender willing to report to credit bureaus (confirm this when you visit). It does not suit someone with access to a traditional auto loan, because the total interest paid over three years will be $2,000 to $4,000 higher. It is also not suitable if you cannot tolerate the starter interrupt device or weekly payment discipline.

What happens on your first visit

Bring a valid Oklahoma driver's license, proof of income (recent paystubs or a letter from an employer), and proof of residence (utility bill or lease). The salesperson will walk you through available inventory and help you choose a vehicle in your price range. You will then sign a retail installment contract that discloses the purchase price, interest rate, total finance charge, and payment schedule. You will need to arrange Oklahoma auto insurance before driving off the lot (required by state law; many buy-here-pay-here customers use non-standard insurers charging $100 to $180 monthly). The starter interrupt device installation takes 15 to 30 minutes. Most customers are approved and driving the same day if paperwork is in order.

Hours, location, and logistics

Credit Car Sales operates Monday through Saturday, typically 9 a.m. to 6 p.m. (verify hours by phone before traveling). The dealership has its own small lot with free parking for shoppers. It is accessible by car; there is no public transit route serving the location reliably.

Credit Car Sales fills a real gap for Oklahoma City residents locked out of conventional lending, but the cost of that access is steep. Weekly payments and interest rates above 20 percent mean you pay roughly 50 percent more than a prime borrower for the same vehicle. If your credit allows any other option, take it; if it does not, this dealership makes car ownership possible when no one else will.