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

Limited-Warranty

1 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. 

When You Buy from The Key?

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

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All Credit Welcome

Quick and easy approval process, even with challenging credit.

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Easy Approvals

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

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Custom Financing

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

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Quality Vehicles

Enjoy peace of mind with our 1 Year Limited Warranty on every vehicle.

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Warranty Included

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

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Trade-In Offers

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

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Referral Bonuses

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

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Vast Selection

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

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Credit Rebuilding

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

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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

Amaya Gray
4 months ago
extremely helpful & was very understanding
Julius Madison
2 months ago
Good workers and there very understanding and fast
Arthur Young
3 months ago
This was the best experience I ever had. She was the most polite and helpful person ever. It really made my experience here worth the wait. I highly recommend this place to anyone
Natasha Washington
5 days ago
This Place IS ABSOLUTELY PHENOMENAL. Just when I thought that I could never in my life be approved, this place THE KEY IN OKC went above and beyond. From the very moment I filled out the form at 2:00am, MADELINE gave me a call and text. When I explained to her my full situation and how I just knew that I would NOT be approved due to my credit, she reassured me wholeheartedly that I would and give her chance. In less than an hour from start to finish, she was able to approve for a beautiful vehicle. Something that I thought would never happen with my terrible bad credit. If you feel as if no hope in your credit and looking for caring compassionate people to help you, please do see Madeline and her team at The Key Cars LLC in OKC on the Service Road address near the Walmart and Lowe’s. It will be well worth it I promise.
Lacey Pennock
5 months ago
Jose was super helpful, and I'm so happy he helped us in a new vehicle today! High recommended! Great customer service!
Sasha Williams
5 months ago
I appreciate the key for providing me with a car, Michael made sure that I left with a car that I loved and a deal that I couldn't refuse. He made sure he worked with me so that I could leave with my car that day. Thanks to Michael and the team at the Key, I am a happy customer.
carmen Harvie
2 weeks ago
very friendly people. Madeline was wonderful!
Carol Davis
3 months ago
Luv it
J. Thomas
3 months ago
Good customer service and friendly interaction with J. Frank. No pressure, gives you time to look over the whole inventory and make your selection. Frank is very pleasant to deal with. Satisfied with the overall experience on the vehicle purchase.
Chianta Alberty
5 months ago
Jose was super helpful. Did exactly what he said he would over the phone got me my own set of keys!!! Super happy and thankful thanks jose
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 1 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 each referral! The more you refer, the more you earn.

Frequently Asked Questions

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: 1 years or 12,000 miles. This ensures peace of mind and confidence in your purchase from used car dealerships in Oklahoma City. 

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