Getting started is simple. You can fill out our online application, call our dealership, or visit Scissortail Auto Sales in Broken Arrow to begin the process in person. Approvals are based on several factors including time on the job, ties to the local area, monthly income and expenses, ability to pay, explanation of credit history, and the accuracy of the information provided.

To move forward, please bring a valid state or government issued ID such as a current Oklahoma drivers license or passport, proof of income dated within the last 30 days, proof of residency such as a rent receipt or utility bill, title to your trade in vehicle if applicable, funds for your down payment, and a commitment to the Scissortail Auto Sales program designed to help you rebuild your credit.

In many cases, once your documents are reviewed and approved, you can drive home in your vehicle the same day.

We begin with a soft credit pull during the pre approval process, which does not impact your credit score. A formal credit inquiry may be required during the final approval stage in order to establish your financing account. This also allows us to report your on time payments to the credit bureaus as part of your credit rebuilding process.

Yes. We understand that financial setbacks happen. Scissortail Auto Sales works with customers who have prior repossessions and other credit challenges. Every application is reviewed individually, and we consider multiple factors beyond just your past credit history.

No. We specialize in helping customers with bad credit, limited credit, or no credit history at all. Our in house financing program evaluates the full picture, including income stability, residency, and ability to pay, not just your credit score alone.

Down payments vary depending on the vehicle you select, your income, credit background, and the structure of the deal. In general, a larger down payment can help reduce your monthly payment amount. We will clearly explain how much is required before you finalize your purchase.

We accept most trade ins, and any positive equity in your trade will be applied toward your down payment.

We accept multiple convenient payment methods including cash, debit card, credit card, and money order.

Payments can be made online 24 hours a day by visiting scissortailautosales.com and selecting Make A Payment. You may also make payments by calling our automated phone system at (918) 592-3593.

During normal business hours, you can speak with a customer relations representative to process a one time payment or set up recurring payments by calling (918) 592-3593.