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If you have been turned down by banks, credit unions, or traditional dealerships because of your credit score, you know how frustrating the car-buying process can be. It feels like a catch-22: you need a reliable car to get to work to make money, but you need a high credit score to get the car loan in the first place.
Getting approved and driving home in your car - it's that simple
At Joe Cooper Easy Credit Auto, we believe your past shouldn't dictate your future. That's why we specialize in Buy Here, Pay Here (BHPH) financing. If you are in Midwest City or the greater Oklahoma City area, understanding how this process works can be the key to getting back on the road and rebuilding your financial reputation.
What is "Buy Here, Pay Here" Financing?
"Buy Here, Pay Here" is precisely what it sounds like. Unlike traditional dealerships that act as a middleman between you and a bank, Joe Cooper Easy Credit Auto acts as both the dealer and the lender. We own the cars and make lending decisions in-house.
When you finance with us, you don't have to wait for an approval letter from a faceless bank in another state. You are dealing directly with us. This allows us to look beyond a three-digit credit score and focus on your current situation—specifically, your ability to make payments now.
Your Job Is Your Credit
One of the biggest misconceptions about buying a car with bad credit is that you need a massive down payment or a co-signer with perfect credit. At Joe Cooper Easy Credit Auto, our philosophy is simple: Your job is your credit.
We focus on stability. If you have a steady income and a job, we can typically find a financing solution that fits your budget. Whether you have dealt with bankruptcy, repossession, divorce, or just a few missed payments, we look for reasons to say "yes" when others say "no."
Steady income? You're already on your way to approval
How In-House Financing Helps Rebuild Credit
Many people assume that BHPH loans are just a stopgap solution, but they can actually be a powerful tool for credit repair. Here is how it works:
Watch your credit score improve with each on-time payment
- Attainable Approval: By getting approved for a loan you can actually afford, you set yourself up for success rather than failure.
- Consistent Payments: As you make your payments on time, you demonstrate financial responsibility.
- Future Opportunities: Successfully paying off a BHPH vehicle proves to future lenders that you are a reliable borrower, which can help you graduate to traditional financing rates for your next purchase.
The Joe Cooper Easy Credit Difference
Not all Buy Here, Pay Here lots are created equal. As part of the Cooper Auto Group, we hold ourselves to a higher standard of reliability and customer service. When you shop with us in Midwest City, you aren't just getting a loan; you are getting access to a massive inventory of quality pre-owned vehicles—from rugged trucks and spacious SUVs to fuel-efficient sedans.
Visit us at 6450 Tinker Diagonal, Midwest City, OK 73110
We inspect our vehicles to ensure you are driving away in something safe and reliable, because we know you need a car that works as hard as you do.
Families trust us to get them back on the road
Frequently Asked Questions About In-House Financing
Yes. This is the most critical part of rebuilding your credit. We report your on-time payments to the credit bureau. This means that every month you pay your car note on time, you are actively building positive history on your credit report, which can help boost your score over time.
Since "your job is your credit," we mainly need to verify your income and residence. To speed up the process, please bring:
- Your valid driver's license.
- Your most recent pay stubs (proof of income).
- Proof of residence (like a utility bill or lease agreement).
- References.
Yes. Traditional banks often have automatic disqualifiers for repossessions or bankruptcies, but we look at the whole picture. If you have a stable income now, we can usually work around past financial difficulties to get you approved.
Down payments can vary based on the vehicle you choose and your specific financial situation. However, as the lender, we have the flexibility to work with you to find a down payment amount that fits your budget.
Get Back on the Road Today
Don't let a number on a credit report keep you walking. At Joe Cooper Easy Credit Auto, we make the process fast, transparent, and dignified. We are here to help you hit the reset button on your automotive credit history.
Your journey to better credit starts here
Ready to get started?
- Visit Us: See us at 6450 Tinker Diagonal, Midwest City, OK 73110.
- Explore Our Inventory: Browse our wide selection of Quality Used Cars & Trucks online to find your perfect match.
- Schedule a Test Drive: Call us or fill out our online form to Schedule Your VIP Test Drive today.
Let's get you moving!
