Rick's Auto Sales in Oklahoma City: Used Inventory with Finance Options for First-Time Buyers

Rick's Auto Sales is a used-car dealer on the south side of Oklahoma City that focuses on vehicles under $15,000 and work with buyers who have limited or damaged credit. The lot typically carries 40 to 60 vehicles, mixing sedans, trucks, and SUVs from model years 2010 onward, and operates its own in-house financing to avoid third-party lender delays.

What Rick's Auto Sales Actually Is

Rick's Auto Sales occupies a smaller footprint than dealership chains like Crest Ford or Toyota of Oklahoma City. It is not a franchise operation; it buys and resells used vehicles directly. The business model prioritizes accessibility for buyers shut out of traditional dealership financing, particularly those with no credit history, recent bankruptcy, or repossession on file. The inventory turns over weekly, so the specific models available shift frequently.

Inventory, Pricing, and Finance Options

The lot emphasizes vehicles priced between $5,000 and $15,000. A typical recent listing included a 2014 Honda Civic around $8,500, a 2013 Ford F-150 at $11,200, and a 2016 Hyundai Elantra at $7,800. Prices exclude taxes and title transfer fees; confirm current pricing when calling, as inventory moves quickly.

Rick's Auto Sales arranges in-house financing with terms commonly ranging from 48 to 72 months. Down payments typically start at 10 to 15 percent of the sale price, though the dealer negotiates individual terms based on credit profile. This differs from mainstream dealerships like Crest Ford or Benson Automotive, where financing funnels through banks or captive lenders and often requires a stronger credit score upfront. For buyers with poor credit, the in-house model eliminates the application rejection risk, though interest rates reflect that risk and generally run higher than prime lending.

All vehicles come with a basic 30-day powertrain warranty covering engine and transmission defects. Extended warranties up to 24 months are available at additional cost, ranging from $400 to $1,200 depending on coverage level. Verify current pricing before purchase.

How Rick's Auto Sales Compares to Other Oklahoma City Used-Car Options

Rick's Auto Sales sits between large franchise dealerships and buy-here-pay-here lots in the local market. Crest Ford and Benson Automotive, both prominent in the metro area, carry newer inventory (often under 10 years old) and require traditional financing or trade-in credit. They appeal to buyers with established credit or cash reserves; their vehicles cost more, typically $18,000 and up.

Buy-here-pay-here operations like those clustered near I-35 and Reno Avenue offer ultra-low sticker prices ($2,000 to $5,000) but impose weekly in-person payments, GPS tracking, and volatile repossession policies. Rick's Auto Sales sits above that model: it permits monthly payments and allows off-lot driving without the surveillance component, making it a middle option for buyers with imperfect credit who want ownership without surveillance strings.

Choose Rick's Auto Sales if you have bruised credit but stable income and want a vehicle in the $7,000 to $12,000 range without the approval delays of traditional lending. Choose a franchise dealership if you have good credit and want newer, warrantied stock. Choose a buy-here-pay-here lot only if your budget is under $5,000 and you can accept weekly payments and GPS monitoring.

Who It Suits and Who It Does Not

Rick's Auto Sales works well for first-time buyers with little or no credit, divorcees rebuilding credit, and self-employed workers whose income documentation doesn't fit bank templates. It also serves buyers who need a vehicle within days and cannot wait for traditional loan approval.

It does not suit buyers looking for luxury brands, vehicles under five years old, or comprehensive manufacturer warranties. It is not the right fit if you have prime credit; you will find better rates and newer stock at franchise dealerships.

What the First Visit Involves

Walk the lot and identify vehicles of interest, then ask to see service records and have a mechanic of your choice inspect any car before committing. Rick's Auto Sales allows pre-purchase inspections. Bring a government ID, proof of income (paystubs, tax returns, or bank statements), and proof of residency (utility bill or lease). The sales staff will run your credit and discuss down payment options and term length. Paperwork takes 30 to 60 minutes once terms are settled. Most buyers drive away the same day.

Hours, Parking, and Logistics

Rick's Auto Sales operates Monday through Saturday, 9 a.m. to 6 p.m., and Sunday 12 p.m. to 5 p.m. The lot sits on surface parking adjacent to the showroom; no appointment is required, though calling ahead to confirm a specific vehicle is in stock saves a trip. The dealership is located on the south side, accessible via I-44 and the Shields Boulevard corridor. Verify hours before visiting, as seasonal adjustments occasionally occur.

Rick's Auto Sales fills a real gap in Oklahoma City's used-car market for buyers whose credit history disqualifies them from traditional dealership financing but who want straightforward ownership terms without the predatory structure of weekly-payment lots.