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.
What if my vehicle needs service after the sale?
Every vehicle financed with Scissortail Auto Sales includes a 12 month, 12,000 mile powertrain warranty to help keep you on the road. We understand that most vehicles will require maintenance at some point, which is why we take a full service approach to keeping you safe and driving with confidence.
For service appointments or warranty questions, contact our team at
(918) 592-3595.
Do you assist with oil changes and vehicle inspections?
Yes. Depending on the vehicle and what is included in your financing package, oil changes and inspections may be available. For specific details about your coverage or to schedule service, contact our team at (918) 592-3595.
What about warranty or service contract work?
Every vehicle financed through Scissortail Auto Sales includes a 12 month, 12,000 mile powertrain warranty. If you have questions about warranty coverage or service contract repairs, please contact our team at (918) 592-3595 for assistance.
How long does it take to receive a referral payment?
You will receive your referral fee after the referred customer completes their vehicle purchase. Once your referral form is submitted and verified, you may visit Scissortail Auto Sales to collect your referral payment. Contact our team if you have questions regarding referral eligibility or status.
How much money do I need for a down payment?
Down payments vary based on several factors including the year, make, and model of the vehicle, your income, credit background, and the overall structure of the deal. In general, a larger down payment can help reduce your monthly payment amount.
We accept most trade ins, and any positive equity in your trade can be applied toward your down payment. Our team will clearly explain the amount required before finalizing your purchase.
How do I get approved and what do I need to bring?
Start by completing our online application at
scissortailautosales.com,
or call or visit our dealership to begin the process in person. Approvals are based on multiple factors including time on the job, ties to the area, monthly income and expenses, ability to pay, explanation of credit history, and the accuracy of the information provided.
To get started, 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 rebuilding your credit through our program.
In many cases, once documents are verified, you may be able to drive home the same day.
Do I need full coverage insurance?
Yes. Full coverage insurance is required. You must carry liability insurance with a provider of your choice. Our team can explain affordable options that may help reduce the cost of the comprehensive and collision portions of your policy. If you do not currently have coverage, we can help guide you toward options that allow you to secure insurance and complete your purchase.
What is a Buy Here Pay Here dealership?
A Buy Here Pay Here dealership is one that sells you a vehicle and arranges financing through an in house program or specialized lender. Instead of making payments to a traditional bank, payments are made directly to the dealership or through convenient payment options offered by the dealer.
Scissortail Auto Sales works with lenders that specialize in helping customers with less than perfect credit. These relationships allow us to structure financing solutions based on your individual situation.
What is the difference between a Buy Here Pay Here dealership and a traditional dealership?
The primary difference is the financing structure and approval process. Traditional dealerships typically rely on outside banks and finance companies for approvals. A Buy Here Pay Here dealership focuses on evaluating your full financial picture including income stability and payment ability.
At Scissortail Auto Sales, we review your credit profile, discuss your budget, and help identify vehicles that align with your desired down payment and monthly payment. This approach is designed to provide realistic options that fit your current financial situation.
What are my payment options?
We structure payment schedules to be simple and affordable. Many customers choose to schedule payments on or around their pay days. Aligning your payments with your income schedule can make it easier to stay current and build positive payment history over time.
Why is a down payment required?
Your down payment reduces the total amount financed on your vehicle, which can help lower your overall loan balance and monthly payment. It also demonstrates commitment to the financing program and your goal of rebuilding credit.
Down payment amounts vary based on the vehicle selected, income, credit background, and overall deal structure. In most cases, a larger down payment can help reduce your payment amount.
How does financing work at Scissortail Auto Sales?
We work closely with finance partners that specialize in assisting customers with credit challenges. Our goal is to match you with a vehicle that fits both your transportation needs and your monthly budget.
At Scissortail Auto Sales, we focus on building long term relationships, not quick transactions. We structure financing around realistic payments so you can succeed in the program and move forward financially.
Can I have a vehicle inspected before purchasing?
Yes. We encourage customers to have any vehicle independently inspected by a trusted mechanic prior to purchase. We want you to feel confident and informed about the condition of the vehicle you choose.
Do you accept trade-ins?
Yes. Scissortail Auto Sales accepts most trade-ins. Bring your current vehicle in and we will evaluate it and apply any applicable value toward your down payment.
Can a household have more than one vehicle financed through Scissortail Auto Sales?
Yes. Many households finance multiple vehicles with us. Typically, we look for at least six months of consistent, on time payment history on the first vehicle before considering approval for a second.
This approach is designed to help protect your financial stability and ensure your household is not overextended. Our goal is to support long term success and credit improvement.
Can I trade in a vehicle if I still owe money on it?
Yes, in many cases. If you own the vehicle outright and have the title, we can typically make an offer and apply the value toward your down payment.
If you still have a loan balance, we will compare the current vehicle value with the remaining payoff amount to determine available options. Our team will clearly explain how any positive or negative equity may affect your new financing structure.
Regardless of Credit!
Scissortail Auto Sales is your stress-free Buy Here Pay Here car buying experience with straightforward pricing. We are your easiest way to purchase a vehicle with Good, Bad, Bruised or No Credit!
Proof of Residency
State Issued ID
Find the Right Vehicle
Our inventory includes a wide selection of quality used vehicles across multiple makes and models. Every vehicle is thoroughly inspected for reliability and performance. Scissortail Auto Sales specializes in providing high quality used vehicles to people with no credit, bad credit, and good credit.
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Get Pre-Approved
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. Scissortail Auto Sales reports all your payments to the credit bureaus, Equifax and TransUnion to help build your credit.
Start My Pre-Approval
Quality You Can Trust
At Scissortail Auto Sales, each vehicle we sell undergoes a comprehensive mechanical inspection by our service team. 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 out Scissortail Auto Sales today.
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