Ask The Guru

If you have bad credit it does cost more to get financed because you represent a higher perceived risk. But it doesn’t always have to be that way.

Integrity Auto Finance can help you improve your credit in several ways. First, our financing company Dealers Finance Co. will report your credit experience with Dealers so you can use your good experience with us to re-build your credit. A car loan can be a very good way to establish or help improve your credit history.

Second, Integrity Auto Finance will give you a complimentary copy of the best-selling Recreditpair self-help software that you can use to help clean up your credit history. This is a $78 value and is a tool that you can use yourself to remove any incorrect entries on your credit history.

Third, Dealers Finance Co. has programs to reward you for on-time payment. This includes programs to reduce your interest rate and build a fund to be used for service, accessories or a down payment on your next vehicle with us. There is also the Loan Pay-off Sweepstakes!

Fourth, once you establish your good credit with us we can help you buy and finance more vehicles from us with reduced interest cost.
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No. Many used car dealers and especially many “buy here pay here” used car dealers have horrible reputations for lying to customers, selling sub-standard cars and trucks, trying to trick customers, and so on. It is important to know who you are dealing with and what they are really like.

The teams at Integrity Auto Finance and Dealers Finance are people just like you. We know what it is like when money is tight, things go wrong, life gets tough and even little things can become big problems.

At Integrity Auto Finance we are proud that our mission is to help people, starting with selling you a quality, reliable pre-owned car, truck or SUV you will be proud to own, and continuing through the term of the car loan. We are willing to be there for folks when they need help and it pays off for us with repeat business and referrals. We believe in helping customers and treating people the way we would want to be treated. It is our “Golden Rule”.

At Integrity Auto Finance our largest source of business is repeat customers and new customers that are referred by existing customers. We have earned that by consistently treating people right. We want to do the same for you.
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We have many people who have bought several vehicles from us. Bring your car to Integrity Auto Finance and we will appraise it and review your payment history while you are looking at our extensive inventory of late model cars and trucks.
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If you maintain a good payment record with Dealers Finance, in most cases Dealers Finance will help you by financing part of the cost of repairs that are needed after the Heartland Service Plan period has expired. The keys are to establish a good payment record and to contact the Heartland Service Plan Administrator before repair work is started. 385

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Cars are complicated machines and they do need service. Dealers Finance has a customer “ombudsman” whose # 1 job is to help customers with service issues, whether they are within the coverage period of the Heartland Service Plan or later. The Heartland Service Plan Administrator will help arrange for service, negotiate with reputable shops to assure fair pricing and follow-up to make sure repairs are taken care of. 386

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The Heartland Service Plan is a vehicle service plan licensed with the State of Oklahoma Insurance Department. It covers major components of the vehicle plus includes four oil changes and service checks to help you keep your car, truck or SUV in good running condition.

Many if not all of our competitors’ plans are not licensed by the State Insurance Department and as a result may not be in compliance with state law. It looks to us like they either aren’t aware of the requirement for a service plan to be licensed or they are trying to avoid the licensing requirement by claiming their service plan or warranty is “free”. But then they charge you a deductible if you need to use it. The plan isn’t “free” if you have to pay something to use it, and if it isn’t really, truly “free” then the plan should be licensed.

It gets old competing with people who cut corners, say one thing and do another and don’t comply with the law. They give the industry a bad name and they can make life miserable for consumers. In a way it is unfair that they get away with it.

At Integrity Auto Finance we live by the “Golden Rule” to treat our customers, our vendors and each other as we would want to be treated ourselves. Our Integrity is important to us. It is our “unfair” advantage over our competitors whose practices are not based on Integrity.
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Call your Dealers Finance Customer Service representative. They are trained to listen and learn what is going on and they want to help you. If you have lost your job, had a health emergency, gotten divorced or something similar, they will ask for verification and then get to work helping you work your way through it. This happens all the time so it isn’t something to be embarrassed about. Your Customer Service representative has probably been in the same situation sometime on their own so they understand. The key is to communicate early and often. 388

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1. The more money you are able to put down to start with the less you will have to pay in interest over time. At Integrity Auto Finance we are sincerely interested in helping you succeed. Other dealers who promote or require little or no money down are actually setting you up to pay a lot more in interest. You think you are paying less because you don’t pay much down to start with but in reality over the life of the deal you are paying more due to interest.

2. The more you can afford to pay each payment period the quicker you can pay off the car loan and the less it will cost you over time. At Integrity Auto Finance we try to structure your car loan to be both affordable and enable you to pay it off sooner rather than later. The quicker the car is paid the less you have to pay in interest and the less your total cost.

3. The more frequently you schedule payments the less interest you will have to pay over time. For example, it will cost you less interest to pay semi-monthly than it will to pay monthly.

4. The payments should match when you are paid and they should not be more than you can afford. It is essential that you be set up to succeed. Integrity Auto Finance and Dealers Finance have established payment limitations tied to a percentage of your income to protect against you being approved for payments that are higher than you can afford.

5. Dealers Finance has a program to reduce your interest rate up to 3 percentage points if you consistently make your payments on time. This can help you save money over time and pay the loan off faster.

6. Paying on time each time will avoid late payment fees and reduce your total cost.

7. The condition of the vehicle when you buy it will affect your total cost of ownership. Integrity Auto Finance puts its vehicles through a 132 point comprehensive service checklist to make sure the vehicles are eligible for the Heartland Service Plan and sale to customers. A copy of the checklist is given to you when you purchase a car from Integrity Auto Finance.

Your sales consultant will also be happy to show you an AutoCheck report so you can understand the vehicle’s history before we bought it to sell.

When you look at a vehicle at Integrity Auto Finance you typically will see it is shiny, has new tires and fresh oil and filters. But it is the things that you may not see that can be really important. We believe we recondition our pre-owned cars, trucks and SUVs to a standard far higher than any of our competition. Your sales consultant will be happy to show you a list of the reconditioning performed on the vehicle to get it ready for sale.

This investment by Integrity Auto Finance to get your new car ready for you should save you repair money down the road. It is part of our “Golden Rule” commitment to treat you as we would want to be treated ourselves.
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At Integrity Auto Finance the down payment will depend on what car or truck you want to buy, your situation and how much you can afford as payments.

The more you are able to pay as a down payment the less your payments will be. Another advantage of a down payment is that it helps you pay off your car loan quicker, meaning it will cost you less interest.

At Integrity Auto Finance we encourage you to pay down as much as you can because it will save you money. On the other hand, if you don’t have much to spare for a down payment we will work with you to get you in a car or truck you like and can afford.
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The process typically takes one to two hours, from the time you walk on the Integrity Auto Finance lot to when you drive off with your new car, truck, SUV, van or convertible. It is our goal at Integrity Auto Finance to make it as easy and enjoyable as possible for you. 391

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Integrity Auto Finance wants you as a customer and if we don’t have what you are looking for we are willing to look for it for you. Integrity Auto Finance has new inventory coming on the lots every day. We are constantly adding inventory. At Integrity Auto Finance our goal is to get you what you want, and if that takes time and work we are happy to do what it takes. 392

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No. Buying a car is a big deal and no one wants to be pressured. At Integrity Auto Finance our approach is to let you walk the lot to look at our wide selection of pre-owned cars, trucks and SUVs. You can take as long as you want, and then a Customer Sales representative will help you pick out the car, truck or SUV you want and then start the car loan approval process.

You will not be pressured about your down payment. Our sales consultants are not paid based on your down payment; they are paid to help you get a car you like and can afford. No one on our team has a financial incentive to get a higher down payment. If they ask if you can put more money down it is only to help get you approved. The pressure is on our team, not you, to help you buy and finance a vehicle you can afford and will be proud to own.
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Since we don’t base a financing decision on your credit history, we need information to verify your income and ability to pay.

1. Most recent pay stubs for you, and your spouse, if married.

2. Information regarding employment, including job, company name and address, supervisor, time at that job, and prior employment experience.

3. Copy of utility bills to verify residence.

4. Contact information for mortgage company or landlord.

5. List of personal references, including their name, address, phone numbers and place of employment.

6. Trade-in, if any, including the title and information about where it is financed.
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Integrity Auto Finance is interested in your situation now, not what it was in the past. We want to finance your future, not worry about your past. The important factors will be your income, employment, personal references, and residence in Oklahoma. We do not rely on credit scores.

Integrity Auto Finance has a Dealers Finance Co. Loan Approval Manager on site to review your loan application, assure the payments are affordable, make sure the payments are set up to correspond to when you are paid, explain the Heartland Service Plan, get your insurance information, and to meet with you and answer questions. The Loan Approval Manager’s job is to get you approved for a vehicle you can afford and will be proud to own. 395

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At Integrity Auto Finance we get it. You will deal with people who are single Moms or single Dads, or who grew up in a single parent home. We have been there and some of us are there right now. We get it and we sincerely want to help in any way we can.

At Integrity Auto Finance we know it is important to have a car or truck that is reliable – our pre-owned cars, trucks, SUVs and vans have undergone a thorough 132 point service checklist before they are put on the lot for sale. We believe our vehicles are reconditioned to a level way above any of our competition. It is part of our “Golden Rule” mission to treat others the way we would want to be treated ourselves.

Our Heartland Service Plan is designed to help you with the car or truck after you buy it, including service for oil changes and maintenance check-ups. We are genuinely committed to being that one place you know you can trust to treat you fairly and honestly.

We also know that a new car, truck or SUV won’t do you any good if it is repossessed, so we structure payments that you can afford. When you are on your own it is especially important that your car loan be set up so you can succeed.

And if you should need service after the Heartland Service Plan expires, we have a customer “ombudsman” whose main job is to help customers whose car or truck needs service. She’s not single, but she is a Mom.
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At Integrity Auto Finance we understand that divorce can be a painful, disruptive experience that can lead to bad credit and financial problems. But you still need a car or truck to get to work, to get kids to school, to get groceries, to get to church and to get around. We understand and we want to help and that means we will do everything we can to help you get what you need for a payment you can afford. 397

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Yes - at Integrity Auto Finance we want to finance your future, not turn you down based on your past. The purpose of bankruptcy is to get a fresh start for a better future. Integrity Auto Finance wants to be part of that future and help you establish new and better credit.

A car loan is a good way to establish or improve credit. We want to approve you and a prior bankruptcy should not get in the way. If you are currently in bankruptcy there are special rules depending on the type of bankruptcy. Give us a chance to work with you and we will see what we can do to get you a new ride.
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Yes, in almost every case. Integrity Auto Finance believes that some used car dealers and Buy Here Pay Here dealers set customers up to fail. Some dealers figure that they can sell the same car time after time and make more money that way. They might charge little or no money as a down payment and then set up high payments that are more than you can afford. It is as if they are setting you up to fail so they can re-possess the car and sell it to someone else.

At Integrity Auto Finance we don’t play that game. We understand that many people whose cars have been repossessed will be good customers when they are able to get a good vehicle and payments they can afford.
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Absolutely! Integrity Auto Finance is in the business of helping people with bad credit finance quality cars, trucks and SUVs. Our job is to help people establish or re-build good credit. Almost everyone is approved. The exceptions are people with serious outstanding criminal warrants, no valid driver’s license or no income. At Integrity Auto Finance we want to approve you and we will work to get you approved. 400

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