Questions? Get Some Answers

About FAQs

What is a Buy-Here, Pay-Here Car Lot?

A Buy-Here, Pay-Here dealership offers personalized financing options at the dealership rather than through a bank or credit union. That means you make your payments at the dealership where you bought the car. At Victory Used Cars, we can approve you for an easy in-house, bad-credit car loan on site, in person, on the spot at our dealership in Oklahoma City.

Is Buy-Here, Pay-Here a Good Idea?

Victory Used Cars is perfect for drivers who need a vehicle but need someone to help buy one because of bad credit history or anything else in their past. We only care about your future.

Where Is Victory Used Cars?

Victory Used Cars is located on South Shield Blvd. in Oklahoma City. We're just across from Webster Middle School, not far from the intersection of 240 and I-35. Our address is 6700 S Shield Blvd, Oklahoma City, OK 73149.

When Is Victory Used Cars Open?

Victory Used Cars is open on Monday through Saturday and closed on Sunday each week. Our dealership opens at 9AM and closed at 6PM.

Buying FAQs

Do Buy Here, Pay Here Dealerships Sell Trucks?

Buy Here, Pay Here dealerships do sell trucks, but they can also help buyers obtain financing for a truck! Buying a truck can be expensive, and many traditional truck dealerships demand sky-high credit scores to approve buyers for a loan. Victory Used Cars has a wide range of affordable and dependable used trucks for sale and a flexible in-house financing process that can help buyers become truck owners.

How Long Does It Take To Buy A Car?

When buying a used car, it can take several days to work through the financing process, unless you choose a buy here pay here dealership. At Victory Used Cars we speed up the financing process even for those with bad credit. 

How Do I Make A Payment on My Vehicle?

To make a payment on your vehicle, please visit the online payment portal. If you have any trouble, just give us a call!

Finance FAQs

Does Buy-Here, Pay-Here Depend on My Credit?

Victory understands our customers are more than just a credit score. Instead of using only your credit history like traditional banks and car dealerships to make financing approval decisions, we focus on your current income and financial situation to help you get the auto financing you need.

How Does Buy-Here, Pay-Here Financing Work?

At Victory Used Cars, we look at your current financial situation to approve you for a car loan. Your credit score is not the deciding factor – we only care about your future and helping you get into the driver’s seat!

How Can I Get a Car Loan with Bad Credit?

If a traditional bank or car dealership has denied you for an auto loan, then Victory Used Cars might be perfect for you! No matter your credit score or history, you can get approved for a car loan at Victory Used Cars after answering just a few simple questions!

How Can I Get Approved for a Car?

Get fast and easy approval on a new ride by bringing a valid photo ID, proof of income like a paycheck stub or bank statements, and proof of residence such as a lease agreement or utility bill.

Can I Finance a Used Car?

Victory offers in-house auto financing for every used car on our lot with a quick-and-easy approval process based on your current financial situation.

Can I Buy A Car With No Credit Check?

While a credit check is required, it’s not the deciding factor on getting approved to buy a car. We look at you current situation as a whole, and can get you approved even with bad credit.

Does Victory Used Cars Offer A Warranty?

Yes, all Victory used cars come with our Free Labor Warranty that covers your car for the life of the loan!

Can You Buy A Car Without A Social Security Number?

It's actually possible to buy a car without a social security number in some circumstances, but any large purchase has to be reported to the Internal Revenue Service and this means that sellers will need your social security number. Victory Used Cars specializes in working with buyers to overcome the obstacles that prevent them from buying a car. Give us a call and let us know how we can help.

How Can I Get Pre-Approved for Financing?

Victory Used Cars can get you approved for financing ahead of time so that you can shop for a vehicle, without stressing about a car loan or the affordability of payments. Visit our financing page to learn more or fill out the credit application to get the process started.

Service FAQs

Can I Service My Vehicle at a Buy Here Pay Here Dealership?

Yes! Most Buy Here, Pay Here dealerships have service departments that provide routine maintenance and major repairs. At Victory Used Cars our service technicians are highly trained and we offer a Free Labor Warranty.

Can Victory Used Cars Service My Vehicle?

Yes! At Victory Used Cars not only do we have highly trained technicians ready to service your vehicle, we also provide a Free Labor Warranty with every vehicle purchased and we offer free oil changes for the life of your car loan.

What Does The Free Labor Warranty Include?

Our Free Labor Warranty covers all required labor for repairs, which can greatly reduce the potential cost of necessary repairs. As long as the vehicle is financed through Victory and you are current on payments, all labor is covered – you only pay for parts (at cost). From minor body work to full engine overhauls, our experienced service technicians have the skill and dedication to get you back on the road as soon as possible. The Free Labor Warranty does not cover the cost of parts, fluids, or anything outside of labor completed at the Victory Used Cars location.

Does Victory Used Cars Offer Free Oil Changes?

At Victory, we strive to make car ownership more affordable. When you buy from Victory we will perform routine oil changes for free for as long the vehicle is financed through Victory and you are current on payments.

Used Car FAQs

Are Used Cars Reliable?

Victory stands behind every used car on our lot. When you finance a vehicle with us, we offer a Free Labor Warranty on all repairs done at Victory!

Is It Cheaper To Fix My Car Or Buy A Used Car?

It depends on what is wrong with your vehicle and how much the repair is going to cost. If the cost to repair your vehicle is more than what it is worth, it might be a good time to buy a new reliable used car. At Victory Used Cars we have a large inventory of used cars, trucks, and SUVs that were are reliable and durable.

Reach our sales team


Send us a message with any question about any car:


Contact Us


Send us a message with any question about any car:



Want to get financing?


Send us a message with any question about any car:


Get Pre-Approved

Ready to get shopping?