Bad Credit? No Credit? No Problem!

Buy Here Pay Here (BHPH) financing is a unique form of auto financing offered directly by the dealership. With this option, you have the convenience of purchasing a car and making payments directly to us, eliminating the need for third-party lenders. At our dealership, we provide various flexible financing options tailored to your needs.

You can make payments online, over the phone, in person, and set up automatic debits at no additional charge.

Visit our Payment Center and pay with cash, card (credit/debit). No change available for cash payments.

Call 918-992-5173 to pay by phone

 Or CLICK HERE to Make an online payment. Create your account with your loan number (e.g., 001-7948) for a one-time setup. Contact our Payment Center for any assistance.

Absolutely! In most cases, you can take your chosen vehicle home on the same day.

Absolutely! We provide financing options to all applicants, regardless of their credit history. Our in-house financing process ensures that we consider your complete application, including the required documentation, to make a decision that suits your needs.

Yes, as part of our evaluation process, we may review your credit history by accessing your consumer credit file from one or more of the major credit bureaus. However, at Liberty Auto Finance, we prioritize your ability to pay and financial stability. We take into account factors such as your employment and residence history, rather than solely relying on a credit score, when determining a reasonable financing amount and payment and down payment terms.

By responsibly managing your Buy Here Pay Here loan and making timely payments, you have the opportunity to establish a positive payment history. Consistently meeting your financial obligations can gradually contribute to improving your credit score over time.

1. Accessibility: Buy Here Pay Here financing provides an opportunity for individuals with less-than-perfect credit or no credit history to secure financing for a vehicle. Traditional lenders often have stricter credit requirements, making it difficult for such individuals to qualify.
2. In-house Financing: With Buy Here Pay Here financing, the dealership acts as the lender, allowing for a simplified and convenient financing process. You can negotiate the terms directly with the dealership, making it easier to find a suitable financing option.
3. Faster Approval: Buy Here Pay Here financing typically offers faster approval times compared to traditional lenders. Since the financing decisions are made in-house, the dealership can evaluate your application quickly and provide an immediate response.
4. Flexible Terms: Buy Here Pay Here financing often offers more flexible terms, including down payment options, loan durations, and payment schedules. This flexibility allows you to customize the financing to fit your budget and specific needs.
5. Credit Building Opportunity: By consistently making timely payments on your Buy Here Pay Here loan, you have the chance to improve your credit history. As the dealership reports your payment activity to the credit bureaus, responsible payment behavior can gradually enhance your credit score.