Express Credit Auto is Oklahoma’s premier buy here pay here car dealer. We offer easy financing and fast approvals for customers with good credit, bad credit, or no credit at all. Unlike our competitors, our affordable, low down payments are based on your unique credit situation, not the car that you are buying. We pride ourselves on having the best selection of used cars and trucks in Norman, OK - NEWER CARS, LOWER MILEAGE. We are Oklahoma-owned and operated since 1996, servicing Oklahoma City, Tulsa, Midwest City, Norman, Edmond, Broken Arrow, Lawton, and surrounding areas.
Contact Details:
Express Credit Auto
343 N Interstate Dr
Norman, OK 73069
Phone: 405-801-4060
Hey there, future car owners! Are you excited about getting your first set of wheels or upgrading to a spiffy new ride? Well, you're in for a treat! Today, we're diving into the world of Buy Here Pay Here Car Lots, an ingenious concept that's taking the automotive market by storm. So, buckle up and join us as we embark on a journey to discover everything you need to know about these fantastic car lots.
What Are Buy Here Pay Here Car Lots?
Imagine walking into a car dealership where you can not only choose your dream car but also secure financing right on the spot! That's precisely what Buy Here Pay Here Car Lots offer. These one-stop automotive shops allow you to browse through a wide selection of pre-owned vehicles and get approved for financing without involving any banks or third-party lenders. It's like a magic portal to car ownership, especially if you have limited credit history or have faced some financial challenges in the past.
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How Do Buy Here Pay Here Car Lots Work?
Curious about how these car lots work their magic? Well, let us break it down for you! Unlike traditional dealerships that rely on external financial institutions to fund their customers, Buy Here Pay Here Car Lots take matters into their own hands. They have in-house financing options, which means they extend the loan directly to you, cutting out the middleman.
Here's how it typically goes down:
1. Browse the Inventory: You get to explore a diverse range of pre-owned vehicles. From sporty sedans to rugged SUVs, they've got it all!
2. Get Approved for Financing: Once you find your dream ride, the dealership's finance team will work with you to evaluate your financial situation and find a suitable payment plan.
3. Make Regular Payments: Unlike conventional loans, you'll make your car payments directly to the dealership on a weekly, bi-weekly, or monthly basis, depending on your agreement.
4. Rebuild Your Credit: As you consistently make payments, you're not just driving off into the sunset with your new car but also improving your credit score. Talk about a win-win situation!
The Sweet Benefits of Buy Here Pay Here Car Lots
You might wonder what sets Buy Here Pay Here Car Lots apart from the rest. Well, hold on tight because we're about to reveal the exciting benefits that make them stand out:
1. No Credit Hassles: Worried about your credit score ruining your chance to own a car? Fear not! Buy Here Pay Here dealerships don't dwell on past credit mistakes, giving you a fresh start on the road to ownership.
2. Quick and Easy Approval: Say goodbye to waiting for days to hear back from a bank. With in-house financing, approvals come fast and easy, allowing you to drive home in your new wheels promptly.
3. Flexible Payment Options: Whether you're paid weekly or monthly, these car lots offer payment plans that align with your pay schedule, making it convenient for you to stay on top of your finances.
4. Personalized Attention: At Buy Here Pay Here Car Lots, you're not just a number; you're a valued customer. Expect friendly and personalized service throughout your car-buying journey.
Important Considerations Before Choosing a Buy Here Pay Here Car Lot
While Buy Here Pay Here Car Lots offer fantastic benefits, there are some essential factors to consider before making your final decision:
1. Reputation Matters: Do your research and read reviews to ensure you're dealing with a reputable dealership. Look for transparency, customer satisfaction, and a solid track record.
2. Vehicle Inspection: Have a trusted mechanic inspect the car you're interested in to ensure it's in good condition and free from any hidden issues.
3. Interest Rates: As with any financing option, be mindful of the interest rates offered by the dealership. Compare them with other financing alternatives to make an informed choice.
4. Warranty and After-Sales Support: Check if the car comes with any warranty or after-sales support. Understanding the dealership's policy will give you peace of mind as you hit the road.
FAQs About Buy Here Pay Here Car Lots
1. Can I Get a Car Loan with Bad Credit?
Absolutely! Buy Here Pay Here Car Lots specialize in providing financing options to individuals with bad or no credit history, making it easier for you to secure a car loan.
2. Do I Need a Co-Signer?
Nope! Since these dealerships offer in-house financing, you won't need a co-signer to get approved for a loan. It's all between you and the dealership.
3. What Types of Vehicles Can I Find?
Buy Here Pay Here Car Lots typically have a wide selection of pre-owned vehicles, ranging from compact cars to trucks and SUVs. You'll have plenty of options to choose from!
4. Are There Any Hidden Fees?
Reputable Buy Here Pay Here Car Lots are transparent about their fees. However, it's essential to carefully review the contract and ask about any potential fees before signing.
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These magical places offer an all-in-one solution for finding your dream car and securing financing, even if you have less-than-perfect credit. Remember, it's essential to do your research and choose a reputable dealership with transparent policies. Now, hop on the car-buying adventure and drive away into the sunset in style! Happy car hunting!