Buy Here Pay Here car dealers have a bad reputation. Most of them will get you in a car regardless if it’s the right fit for you, personally or financially. They’re just looking to get that down payment and as many loan payments out of you before you fall behind and default on the loan. Then, they’ll shut your vehicle off remotely and repossess it, then you’re often still responsible for the remainder of the loan on the car you no longer have.
But it doesn’t have to be that way.
Integrity Auto Finance, we set you up for success, not failure. We want to help you get into the car that you want with payments you can afford, and we have programs in place to help you every step of the way.
At Integrity, we’re in the business of helping people.
Finding the Right Vehicle
When faced with credit challenges, many people feel that they have to settle for whatever they can get — both in their vehicle and experience. But it doesn’t have to be that way.
At Integrity, we pride ourselves on stocking the best selection of nicer, newer, high-quality used vehicles in Oklahoma. You are not going to find quality and selection like ours on any other Buy Here Pay Here lot in the state.
Don’t Buy More Vehicle Than You Need
Though you shouldn’t have to settle for whatever you can get, it’s important to be realistic. The fancier the car, the higher the payments will be. We want to help you get into a vehicle that is both affordable and something that you’ll be proud to drive.
Payments You Can Afford
We’re not concerned with your credit score; we look at you payment-to-income ratio. This is where car loans at other Buy Here Pay Here dealers go bad — putting you in something that you won’t be able to afford. During our approval process, we make sure that you can afford your car payment every month, in addition to your other expenses.
A Legitimate Service Warranty Plan
Most Buy Here Pay Here dealers have a warranty plan that is, quite honestly, not all it’s cracked up to be. They might be “lifetime” or “bumper-to-bumper” plans, but the fine print will likely give them the opportunity to get out of covering most things.
Unlike our competitors’s “plans,” Integrity’s Heartland Service Warranty Plan is approved and licensed by the State of Oklahoma Insurance Department, so you know it’s legitimate. It is a thorough service warranty that covers all the major components — engine, transmission, electrical and fuel systems — to help ensure that your vehicle is in proper working order and you’re kept safely on the road.
Rebuild Your Credit
Unlike other Buy Here Pay Here dealers, Integrity reports to all three credit bureaus. Making timely payments on a car loan is a great way to improve your credit score.
Whereas many of our competitors want to make the sale, no matter the cost, and couldn’t care less if you eventually default on the loan, Integrity’s main focus is to get you into the car you want, with affordable payments, and to keep you in your vehicle.