Get Approved Online in 15 minutes or Less

99 Percent Approvals - The Key Online

99% Approvals

Low Down Payments - The Key Online

Low Down Payments

4-Year-Limited-Warranty

4 Yr Limited Warranty

Buy Here Pay Here OKC
Bad Credit Auto Financing with as low as $500 down

No matter your credit history, we have a plan that fits your needs. From bankruptcy to late payments, we’re here to help. Visit The Key online today and see why we’re among the top-rated auto dealers in OKC! Let us help you find the car you need and the financing plan you deserve. 

We welcome all credit types – bad or good. Let’s find your perfect car deal

All Credit Welcome

All Credit Welcome

Quick and easy approval process, even with challenging credit.

Easy-Approvals

Easy Approvals

Buy Here Pay here OKC financing solutions for all bad credit or no credit situations.

Custom-Financing

Custom Financing

Explore our selection of high-quality vehicles at competitive prices.

Quality-Vehicles

Quality Vehicles

Enjoy peace of mind with our 4 Year Limited Warranty on every vehicle.

Warranty-Included

Warranty Included

Get a great deal on your trade-in. Upgrade your ride with us!

Trade-in Offers

Trade-In Offers

Earn rewards with our referral program. Refer friends and save on your purchase!

Referral-Bonuses

Referral Bonuses

Choose from a wide range of cars, trucks, and SUVs to suit your style.

Vast-Selection

Vast Selection

Improve your credit score with every purchase. We report to credit bureaus.

Credit Rebuilding

Credit Rebuilding

Our team is here to assist you every step of the way. Contact us for personalized support

Personalized-Support

Personalized Support

Find Your Car

Find Your Perfect Ride at The Key Car Lot in Oklahoma

Don’t wait—visit The Key Car Dealership OKC now and drive home in your perfect vehicle today! 

Reviews from Verified Customers

Shandalia Boone
2 months ago
Thanks to Josh and Jaun for helping me with my purchase today . Both you guys were wonderful and had great patience with me . Thank you again and I'm looking forward to seeing you guys in the future !!
Thomas Stanley
3 months ago
Wonderful cat shopping experience they were able to get us a reliable vehicle and actually had the cars we we're looking at in stock
Ricky Ivy
1 months ago
Mike was the best knowledgeable recommend this guy honesty is key The Key
Victoria Bender
1 months ago
Micheal was great he was very honest and worked great with us on all details about any vehicles we had questions about
Lacey Renee
5 months ago
Very good at his job got me all set up with a car a fell in love with
LeAsia Williams
2 months ago
I had a wonderful experience getting a car here. They were very flexible and accommodating. Jose was very patient and knowledgeable and went above and beyond to help me get my vehicle. 10/10 would buy another car here!!
Varon Terrell
5 months ago
Awesome experience at the key my car dealers Juan and jose where great!
jessica martinez
5 months ago
Pablo did a great job on working to get me exactly what I wanted and I’m in love what I ended up with!
Denver Speers
3 months ago
Jose is an amazing car sells man
Leah Abrams
1 months ago
Patrick and Frank were so helpful! Made it fast and easy!!
Shandalia Boone
2 months ago
Thanks to Josh and Jaun for helping me with my purchase today . Both you guys were wonderful and had great patience with me . Thank you again and I'm looking forward to seeing you guys in the future !!
Thomas Stanley
3 months ago
Wonderful cat shopping experience they were able to get us a reliable vehicle and actually had the cars we we're looking at in stock
Ricky Ivy
1 months ago
Mike was the best knowledgeable recommend this guy honesty is key The Key
Victoria Bender
1 months ago
Micheal was great he was very honest and worked great with us on all details about any vehicles we had questions about
Lacey Renee
5 months ago
Very good at his job got me all set up with a car a fell in love with
LeAsia Williams
2 months ago
I had a wonderful experience getting a car here. They were very flexible and accommodating. Jose was very patient and knowledgeable and went above and beyond to help me get my vehicle. 10/10 would buy another car here!!
Trade In and Interest Benefits - The Key Online

VIP Trade-Out Program

Advantageous Trade-in Policy

VIP Trade -Out Program

Advantageous Trade-In Policy

  • “Trade in after paying 70% of principal balance.”
  • “Reduced interest on new purchase: 9.99% and decreasing.”
  • “Each new vehicle purchase further lowers interest.”
Established and Trusted - The Key Online

Established & Trusted

30 Years of Trusted Service

Established & Trusted

30 Years of Trusted Service

  • “A+ Better Business Rating.”
  • “Proud of our 4.7 Google rating from 2000+ reviews.”
  • “Three decades of excellence in Buy Here Pay Here OKC car sales.”
Customer-Commitment-The-Key-Online.

Customer Commitment

Dedicated Customer Service

Customer Cummitment

Dedicated Customer Service

  • Committed to learning and improving from feedback.
  • Our goal: More than sales, building lifelong relationships.
  • Enjoy benefits like our 4 Year Warranty and referral rewards.
Build-Credit-The-Key-Online

Build Your Credit with Us

Improve Your Credit Score Easily

We report to two major credit bureaus, helping you rebuild your credit with every car purchase. Start enhancing your financial health today with our no credit check car lots in OKC 

Build Your Credit with Us

  • No Credit Check Financing : Our flexible buy here pay here bad credit solutions are designed to help you get behind the wheel without worrying about your credit score. 
  • Affordable Down Payments : We offer cheap down payment car lots in Oklahoma, making it easier than ever to drive away in your dream car. 

  • Wide Selection of Used Cars : From sedans and SUVs to trucks, our inventory is packed with high-quality used cars tailored to fit your needs and budget. 

  • Family Auto Finance Specialists : Our team is dedicated to helping families in Oklahoma City secure reliable transportation with manageable payment plans. 

  • Trusted in Oklahoma : Serving as a leading used car dealer in OKC we take pride in delivering top-notch service and unbeatable deals. 

Earn Big with Our Referral Program

Drive a Free Vehicle with Your Referrals!

Start earning now – $200 for your first referral, increasing up to $1,000! The more
you refer, the more you earn.

Frequently Asked Questions

Do you offer financing for buyers with bad credit?

Yes! As one of the top bad credit car dealers in OKC, we specialize in buy here pay here bad credit financing. We believe your past credit history shouldn’t stop you from owning a reliable vehicle. For more details, get in touch with us today.  
 

We offer a vast selection of vehicles, including sedans, SUVs, trucks, vans, and luxury cars. With most vehicles priced under $20,000, we ensure quality and affordability for all customers. Our inventory also includes used cars in OKC, offering something for every budget and need. 

Our down payment options start as low as $500. We are proud to be one of the most accessible cheap down payment car lots in Oklahoma, making car ownership easier for families and individuals across Oklahoma. 

Our Buy Here Pay Here program allows you to finance directly through The Key without involving third-party lenders. We provide flexible payment plans, including low down payment options, to suit your budget. This program is perfect for customers with poor or no credit looking for auto financing in OKC. 

To qualify for financing, you need: 

  • A minimum net income of $2,000/month 
  • Proof of residence 
  • A current Oklahoma driver’s license 
  • Fewer than 3 past repossessions 

Our online application process is quick and easy, and you can get approved in just 15 minutes. Call us at tel:4055267010 to get started now.

We provide one of the longest limited warranties in Oklahoma: 4 years or 40,000 miles. This ensures peace of mind and confidence in your purchase from used car dealerships in Oklahoma City. 

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