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FAQ's



YOU HAVE QUESTIONS, WE HAVE ANSWERS

We know that you may have more questions than listed here and we welcome every single one of them. In the event your question is not answered below, please know you may always call a Scissortail Auto Sales associate at any time During Our Regular Business Hours.

Every car financed with Scissortail Auto Sales comes with a 12-month, 12,000-mile powertrain warranty to help keep you on the road. However, we know most vehicles will need service at some point after the sale. At Scissortail Auto Sales we have a full-service approach to keeping you safe and on the road.

For more information on service appointments, contact our team at Scissortail Auto Sales in Tulsa at (918) 592-3595.

Yes, depending on the vehicle and what is included in your financing package, oil changes can be included. For more information contact our team at Scissortail Auto Sales in Tulsa at (981) 592-3595.

Every car financed with Scissortail Auto Sales comes with a 12-month, 12,000-mile powertrain warranty to help keep you on the road. For more information contact our team at Scissortail Auto Sales in Tulsa at (918) 592-3595.

You will receive a referral fee for referring a customer upon completion of their purchase of a vehicle from Scissortail Auto Sales. After your referral form is submitted and verified you may come to Scissortails Auto Sales location in Tulsa to pick up your referral fee.

Down payments will vary based on several factors. Our finance company considers, the year, make, model of the vehicle, income, credit history, and the amount of money you feel comfortable putting into the deal. Typically, more money down will help lower your payment. If more money is needed, we will let you know exactly how much. Please note that we do accept most trades, and all equity in your trade will count toward your down payment amount.

Start by filling out and submitting our online application. You can also call or stop in at the dealership and someone will gladly work with you to start or complete your application. We will consider approvals based on several factors like time on the job, ties to the area, your monthly income and expense, ability to pay, explanation of credit history, and the honesty and accuracy of the information you give us. To get started, you will need:
  • A valid state or government-issued ID card or current passport. For example, a valid OK driver’s license.
  • Proof of income (a hard-copy check stub less than 30 days old, proof of check from the government, proof of regular payments from elsewhere). Proof of residency (rent receipt or a copy of a utility bill).
  • Title of a vehicle if one is being traded-in.
  • Cash for your down payment.
  • A commitment to the Scissortail Auto Sales program to advance and rebuild your credit.
We can usually have your loan application approved and be driving the same day. and you’ll be on the road in your new vehicle the same day.

Yes, you do. However, our sales team can explain affordable options that may save you some money for the comprehensive/collision portion of your insurance. You must have liability insurance with an insurance company of your choice. If you do not have an insurance company, our team has solutions for you to get you coverage that will get you into your next vehicle today.

A Buy Here/Pay Here (BHPH) dealer is one that sells you a vehicle and arranges a loan with an “in-house” finance company that allows your payments to be made at the dealership, or wherever it is convenient for you to do so. Instead of making monthly payments to a traditional lender, you make weekly or bi-weekly payments at the dealership around the time you get paid from your job. You, therefore “buy” the car at the dealership and “pay” on the loan at the dealership.

Scissortail Auto Sales has arrangements with lenders who specialize in helping good people like you with less-than-perfect credit. These relationships allow our team to customize a financial solution for each individual buying a car at Scissortail Auto Sales.

The key difference between Scissortail Auto Sales and a traditional dealership lies in the shopping experience. At our dealership, we have a process where we ask a series of questions, run a credit report, and listen to better understand your current driving needs and financial / credit situation. Then, with your desired monthly payment and down payment information factored in, we’ll show you vehicles that fit your needs and can help you advance.

Our customers are hard-working men and women or young people just starting out. They usually need a car to get to work. Many of them have a credit challenge—which is not surprising since nearly 50 percent of Americans do not qualify for automobile financing at conventional financial institutions. Scissortail Auto Sales is committed to getting our customers back on the road and maximizing their opportunities for advancement.
We want your payment schedule to be easy and affordable. Many of our customers prefer to make payments on or about the days when they get paid from their jobs. Making payments scheduled around your pay days has helped many customers rebuild their credit by making on-time payments easier.

Your down payment helps lower the amount you will finance on your car loan, making it more affordable in the long run. Your down payment also shows a strong commitment to our finance lenders, that you are dedicated to rebuilding your credit through our program.

Down payments will vary based on several factors. Our finance company considers, the year, make, model of the vehicle, income, credit history, and the amount of money you feel comfortable putting into the deal. Typically, more money down will help lower your payment.

Our finance lenders with Scissortail Auto Sales customers to find the best vehicles for their needs, and the best one for their monthly budget. Selling a car that a customer can’t afford does neither of us any good. Here at Scissortail Auto Sales, we are looking for a relationship with our customers, not just a quick sale. We are all in this together on your journey to succeed.

Absolutely! We recommend that every customer have the vehicle they are intending to purchase independently inspected by someone they trust before they buy. We want you to feel comfortable with the condition of the vehicle you are purchasing.

Yes, Scissortail Auto Sales accepts trade-ins, so bring your ride on in.

Yes, many households with multiple vehicles. We typically look for 6 months of perfect payment history on the first vehicle before allowing an application for a second vehicle. We do this because we want you to have a successful payment history with us in hopes of you improving your credit score. We want to set you up for success in our program and not over-burden a household with more car payments than they can afford.

Yes, we accept most trades. If you own it and have the title, we will usually make you an offer and all of that money goes towards your down payment. If you still have a balance owed, we will look up the value of the vehicle compared to the amount owed to determine if we can make you an offer.

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Scissortail Auto Sales specializes in providing high quality used vehicles to people with no credit, bad credit, and good credit.

Our in-house financing program will fit you with the right car, right payment plan, right down payment, and right price. Our down payments start as low as $500. We make sure payments are affordable to you. We report all your payments to the credit bureaus, Equifax and TransUnion.

All vehicles financed with us come with a 12 month/ 12,000 mile Powertrain Warranty. We have a very high approval rate. So, come check us out today.

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