Close ⊗

All Oak Motors vehicles are Certified Ultimate Protection Plus:

* Limited powertrain warranty, regular maintenance required, commercial use excluded. See dealer for more details.
** Age and insurance restrictions apply, subject to availability. See dealer for more details.
+ See dealer for details and eligibility requirements.
Online Chat

Our Locations


765-643-2911 Anderson, IN 46012
Set As My Store
See Store Detail ►

Indy East

317-536-4636 Indianapolis, IN 46219
Set As My Store
See Store Detail ►

Indy South

317-452-8888 Indianapolis, IN 46227
Set As My Store
See Store Detail ►

Indy West

317-297-9977 Indianapolis, IN 46254
Set As My Store
See Store Detail ►


765-288-6453 Muncie, IN 47303
Set As My Store
See Store Detail ►
  1. Home
  2. Buy Here Pay Here Car Lots

Buy Here Pay Here Car Lots

Buy Here Pay Here Cars

What Is Buy Here Pay Here?

"Buy Here Pay Here" is a term often found in the used car market where the dealer and the lender are the same entity. Buy Here Pay Here dealers work with people who have had credit problems in the past and generally have trouble obtaining traditional financing through channels like banks, credit unions, etc.

Shopping Experience

Shopping at a Buy Here Pay Here dealer is different than at a typical used car dealer because customers must focus more on their needs than desires. Customers must balance their decision around what they need, can afford, and what the dealer is willing to offer them in terms of inventory, down payment and loan terms. Top quality dealers provide reasons to shop at a Buy Here Pay Here dealer, and provide their inventory online so that you can make an educated purchase.

When visiting a non-Buy Here Pay Here Dealer, the customer generally looks around for a car they like, discusses pricing, and then completes the purchase when they are happy with the vehicle and the terms. Financing can occur at a traditional dealer, but usually this is done as a convenience instead of a necessity due to the buyer's credit history.

When shopping at a Buy Here Pay Here dealer, financing is often discussed early so that the dealer understands the customer's situation completely. This allows the dealership to serve the customer more fully and helps ensure the customer's needs, desires and affordability are addressed to their fullest. This allows the customer the opportunity to understand the entire offer since Buy Here Pay Here programs, terms and benefits vary widely depending on the specific dealer.

Selecting a Dealer

When selecting a Buy Here Pay Here dealer, be sure to ask what the dealer offers in addition to the vehicle being purchased. The best dealerships understand that they are only successful when their customers are successful. That means that the customer is getting dependable and affordable transportation throughout the life of the loan, and that the customer is able to afford the payments and make them on time to establish a positive credit bureau rating. Be sure to select a dealer that reports your payment history to the credit bureaus. Industry leaders, like Oak Motors, offer credit bureau reporting, because improving your credit is very important. A good payment history on your vehicle loan is a great step towards repairing your credit with the three major credit bureaus; Equifax, Experian, and TransUnion.

Buy Here Pay Here Cars

Completing the Purchase

Once you have researched and selected a dealer, come prepared with an idea of what you can afford for a monthly payment, a down payment, and what you are looking for in a vehicle. It's very important to determine your family's needs and use of the vehicle so that when you get to the lot you know what may or may not work for you.

After you have discussed financing and reviewed and selected a vehicle, be sure to take a test drive to see if there are any issues with the vehicle. If you are able to do so, you should also have an independent mechanic inspect the vehicle for things you may not be able to see yourself. Also, see if the dealer offers warranties or service programs if there are any issues after the car has been purchased. Oak Motors, Central Indiana's leading Buy Here Pay Here dealer, offers both warranty protection and customer service programs to keep your vehicle on the road.

If you have had credit problems in the past, need dependable, affordable transportation and help with financing, click on the button below to get the process started. Then schedule a test drive at the location closest to you and drive your new vehicle home today!

We Will Work With You

We would be happy to have you as a customer, and show you why we are an industry leader. To get started, apply for financing online today! It only takes a few minutes to complete our online credit application.

Apply For Financing Now! ►
📞 Call 💬 Chat 📱 Text 🏬 Visit