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. 

When You Buy from The Key?

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

All Credit Welcome

Quick and easy approval process, even with challenging credit.

Easy Approvals

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

Custom Financing

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

Quality Vehicles

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

Warranty Included

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

Trade-In Offers

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

Referral Bonuses

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

Vast Selection

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

Credit Rebuilding

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

Kwania Vick
in the last week
Jerome helped me with finding the perfect vehicle; negotiated an affordable down payment and monthly payments. I have good faith that I will be making moves in my vehicle with confidence knowing I can rely on The Key for any reason that may come forth in the future.
Mike Morgan
a month ago
Patrick was an amazing car salesman! He took the time to understand exactly what I needed and made sure I got into the perfect car. He was honest, knowledgeable, and went above and beyond to get me a great deal. Not only did he find the right car for me, but he also worked hard to keep my payments low. The whole process was smooth and stress-free. If you're looking for a great car-buying experience, I highly recommend Patrick!
Michael Paschal
3 weeks ago
5 star place all around. Scott was my sales representative and to say he went above and beyond is an understatement. He went thru each car with pros and cons on each, printed out the carfax for any vehicle that we were looking at to show the health and maintenance of each vehicle. Never rushed us not one time, even when other potential buyers would come in he was locked in to us. One of if not the best sales representative I’ve ever worked with.
dre wes
3 weeks ago
I had the pleasure of working with Jose during my car-buying experience, and I can't recommend him enough! From the moment we met, he was incredibly attentive and made sure to listen to all of my needs and preferences. He was patient throughout the entire process, never rushing me and always providing clear and helpful explanations whenever I had questions. Jose's kindness truly stood out—he made sure I felt comfortable and well taken care of every step of the way. It was clear that he genuinely cared about helping me find the right car for my needs. If you're looking for a smooth, stress-free car-buying experience, I highly recommend working with Jose!
Antonio Martinez
a week ago
Absolutely the most professional experience I’ve ever encountered at a car lot. Mike Arano has extreme patience and it showed as he was serving two buyers (me and another) without it ever becoming a problem all while allowing me to test drive several cars and make several phone calls and answered all my questions. Was honest about the process and ultimately sold me a vehicle that I’m proud of! Thanks to The Key and Mike for a great car buying experience! The manager (forgot his name) was Key (see what I did there) to the process.
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

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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