Financing is Possible for Broken Arrow and Tulsa, OK Drivers

Shoppers in need of an auto loan in Tulsa County or Wagoner County who are worried about being turned away because of your bad credit score should come visit the finance office at our Broken Arrow, OK dealership. Even if your credit is terrible, you can still be approved for financing with a high risk or bad credit loan. Bad credit vehicle loans are available through our dealership and our extensive family of lending partners; we can approve your sub-prime loan and get you competitive interest rates and hassle-free terms.

If you have bad credit, it might seem impossible to bring it back to life again, but there is a way. Obtain a copy of your credit report (you can get one free report from Experian, TransUnion, and Equifax every year) and look through it completely. Check to see if all of your information is correct and look out for the appearance of accounts you don’t remember opening, as they could be fraudulent. If everything seems normal, it’s time to rethink your financial habits. Clearing off bad debts is the first step to rebuilding your credit.

Various factors affect your credit score, including bankruptcies, late payments, any outstanding debts, delinquencies on current payments, the age of your credit, types of credit you have, and the number of inquiries into your credit (inquiries come from applying for credit cards or financing). Lending companies will look for these items specifically when determining if you can be approved for a loan. If you have one or two of these items on your report, you still have a good chance of getting a bad credit loan, even with zero money down. However, if your report contains more or all of the aforementioned items, you might require a down payment to be approved for a bad credit auto loan.

It will take some time to rebuild your credit score, but it can be done. Follow these tips and you’ll get yourself on the fast track to a higher credit score in the future:

  • Pay credit card bills and make your loan payments on time
  • Keep your credit card balances low, but not completely paid off, a zero balance may work against you
  • Cancel any credit cards you no longer need or use
  • Don’t apply for in-store credit cards to limit inquiries on your report


In general, bad credit auto loans are approved for most buyers. A bad credit loan is an opportunity to rebuild your credit and get a fresh start, not just an opportunity to buy a car.