Individuals who have had credit problems – or who have not yet established credit – may consider Oklahoma City dealers with “tote the note” financing for their next car purchase. These establishments often advertise themselves as “Buy Here, Pay Here” dealerships, where customers can make payments directly to the seller. Often, “tote the note” dealers set up in low-income neighborhoods where people are most likely to have credit or income difficulties, as these consumers are prime “tote the note” customers.
While they are a welcome relief for those with bad credit, it’s often difficult to find high quality vehicles at Oklahoma City tote the note dealers. That’s because they usually reserve the lowest tier vehicles for tote the note financing, despite their supposed trust in the fiscal responsibility of customers. Before you shop elsewhere, check out DriveTime’s financing options and vehicles. We think you might find a better deal than what’s available at tote the note dealers in Oklahoma City.
One of the major drawbacks to Oklahoma City dealers with tote the note financing is a serious lack of flexibility. While they do offer easy financing to those with bad credit, they are usually accompanied by shady terms. That’s because they may be skating around financing regulations set by the government to protect you, the consumer. At DriveTime, we are not a Oklahoma City tote the note dealer, meaning we will work within the laws to get you into a car with fair financing.
If you want flexible payment options, a 5-day return policy, optional vehicle protection plan for up to 5 year/50,000 miles, a selection of vehicles, and friendly staff, you may want to look past Oklahoma City dealers advertising “tote the note” financing. While Oklahoma City tote the note dealers may offer vehicles to those with bad credit history, it often comes at a huge price. At DriveTime, we offer all of the above benefits with every sale, regardless of credit history.
* DriveTime is not able to make safety recall repairs, so vehicles may be subject to open recalls. Visit http://www.safercar.gov/ for more information about recalls.