double your down payment

We will match your down, up to $3,000

Here is how it works...

You pay $1,000 down & we take $1,000 off the price

You pay $2,000 down & we take $2,000 off the price

You pay $3,000 down & we take $3,000 off the price

*A minimum of $1,000 down is required to qualify for the double your down discount.

Easy Financing: Anyone Can Get Approved

Our financing is very easy and straightforward. We will finance everyone no matter what your credit situation is, or what you have been through in the past. Bankruptcy, Foreclosure, Repo or multiple repossessions, late credit card payments, unpaid hospital bills or student loan payments, tax liens, unpaid child support, whatever your situation is, we want to help. Interest rates and down payments vary based on credit worthiness and stability score.

Lowest down payments, as low as zero down

Low Down Payments

We work with our customers and their unique credit situation to find the best possible solutions and a down payment they can afford.

4-Year Limited Powertrain Warranty

Every vehicle we sell comes with a 4 Year Limited Warranty which is the longest warranty we have found when searching other buy here pay here dealership warranties. Here is a link to our warranty.

low interest rates, as low as zero percent

Low Interest Rates: As Low As 0%

If you have paid off a vehicle with us in the past then you qualify for 0-9.99% interest, depending on the # of vehicles you have paid off in the past. The more vehicles you have paid off the lower your interest rate drops, all the way down to 0%. (9.99% after 1 paid off, 8.99% after 2 paid offs, and so on all the way down to 0%) If you have paid off vehicles with other dealerships then you will qualify for 9.99-14.99% depending on how many you have. If you have prior repos expect to pay 17.99%-20.99% depending on our in-house stability score.

largest selection, over 300 vehicles in stock

Huge Vehicle Selection: Over 300 In Stock

We carry over 300 vehicles in stock at all times and always have around 150 vehicles serviced, detailed, and ready to go. Most of our vehicles are priced under $20,000 and we always carry a great selection of cars, luxury vehicles, sports cars, 4 Door Trucks, Vans, and SUVs. If we don’t have what you are looking for, you can post a small deposit, and tell us your dream vehicle, and we will search all over the US to find it!

Quality Vehicles: We Source Throughout The US

We do extensive searches all over the United States to source the cleanest used vehicles we can find. It is very important to know the history of the vehicle you are purchasing so please make sure you do your research before purchasing.

Get A Free Car: Amazing Referral Program

Do you want a free vehicle? With our amazing referral program, this is definitely possible! We will pay you $200 for your first referral, $300 for your 2nd referral, $400 for your 3rd referral, $500 for your 4th referral, $600 for your 5th referral, $700 for your 6th referral, $800 for your 7th referral, $900 for your 8th referral, and $1000 for your 9th and every referral after. We even have a marketing campaign you can join to help generate even more referrals. With this program, it is very possible for you to never have to make a car payment if you send us enough customers.

VIP Program: Rates As Low As 0%

We will allow you to trade in the vehicle you purchase when you pay it down below 30% of the original principal balance, which usually takes 2-3 Years and we will even drop your interest payment on the new vehicle purchase to 9.99% and the next vehicle purchase down to 8.99%, the next vehicle 7.99%, and continue to reduce it by 1% each new purchase all the way down to 0%.

Top ratings 4.4 rating and over 1800 reviews

Excellent Ratings: 4.4 Rating & Over 1800 Reviews

We have been in business for almost 30 years and have an A+ Better Business Rating. We also have a 4.4 Google rating with over 1800 reviews.

Great customer service, we care about you and your needs

Elite Customer Service: We Care About You

Ok, we know everybody says that their customer service is good, but this is something we take very seriously. We are not perfect and make our share of mistakes along the way, but we try to learn from each complaint on how to do better. We understand that you have many buy here pay here dealerships that you can choose from, and we will do whatever it takes to earn your business. We don’t just want to sell you a vehicle. We want to have you as a friend and customer for LIFE. That's why our slogan at The Key is (Cars, Loans Life). This is why we have a 4-year limited warranty, a repeat customer program that allows you to get your next vehicle for 9.99% interest all the way down to 0% the more you buy, and why we have such an amazing referral program so everyone has the potential to earn a FREE vehicle just by referring all their family and friends!