Frequently Asked Questions
Frequently Asked Questions About Buy Here Pay Here, Bad Credit Financing, and Lease Here Pay Here at Solutions Auto Group
Looking for Buy Here Pay Here in Chickasha, Duncan, or Lawton, Oklahoma? Solutions Auto Group offers a smarter Lease Here Pay Here alternative designed to help drivers with good credit, bad credit, or no credit get dependable transportation with terms built around real-life budgets. We know customers have questions about approvals, down payments, credit reporting, repossessions, service, warranties, and how our program works. This page is designed to answer those questions clearly and help you understand how Solutions Auto Group is different.
Financing and Approval Questions
What is the difference between Buy Here Pay Here and Lease Here Pay Here?
Traditional Buy Here Pay Here usually means the dealer finances the vehicle directly and collects payments in-house. Solutions Auto Group uses a Lease Here Pay Here alternative model. We still work with customers who have credit challenges, but we structure our program differently with a focus on flexible approvals, budget fit, and a better long-term customer experience.
Can I get approved with bad credit?
Yes. Solutions Auto Group works with customers every day who have had credit challenges, including prior repossessions.
Can I get approved with no credit?
Often, yes. Credit history is only one piece of the picture. Solutions Auto Group takes a custom financing approach because every customer’s situation is different. We do not believe in a one-size-fits-all process.
Can I get approved if I receive SSI or disability income?
Possibly. Lower monthly income can make it harder to structure a successful vehicle payment, which is why vehicle selection, down payment, and overall affordability matter. Choosing the right vehicle and showing the ability to make the payment are important factors in the approval process.
Do I need to choose a vehicle before applying?
No. In many cases, it is better to start the approval process first so we can help match you with a vehicle that fits your budget and approval terms.
What do you look at when making financing decisions?
Approval depends on several factors, including:
- your application information
- your proven income
- your down payment
- the vehicle you choose
- your overall budget
- your prior credit history, if any
What should I bring when I come in to apply?
A good starting list includes:
- valid driver’s license
- proof of income
- proof of residence
- proof of identity
- title if you are trading in a vehicle
How long does the approval process take?
The exact time can vary, but our goal is to move quickly once the application, income, and vehicle fit are reviewed.
Down Payments and Payment Questions
How much are your down payments?
Down payments start at $199 with approved application and go up from there. The final amount depends on underwriting, the vehicle, and your proven ability to pay. SAG’s average down payment over the last couple of years has been about $1,076.
Why do down payments vary?
Every deal is different. Down payments can vary based on the vehicle, the financing structure, the customer profile, and any current promotions.
Do you offer a layaway plan on cars or down payments?
Yes. Solutions Auto Group offers layaway regularly. Customers can put money down to hold a vehicle and receive a non-refundable receipt showing the next payment due date. If scheduled layaway payments are not made as agreed, the layaway funds are forfeited and the vehicle returns to stock.
What payment schedule options are available?
SAG offers periodic payment options that may include weekly, bi-weekly, semi-monthly, and monthly schedules, depending on the customer’s pay cycle and account structure.
What if I am late or can no longer make my payments?
The best thing to do is contact your account manager immediately. Early communication matters and gives us the best chance to discuss the situation with you.
What if my payment device is beeping and my vehicle will not start?
If your account is current and the vehicle will not start, contact your account manager immediately. In some cases, a low battery can trigger the device to beep.
Financing and Approval Questions
Traditional Buy Here Pay Here usually means the dealer finances the vehicle directly and collects payments in-house. Solutions Auto Group uses a Lease Here Pay Here alternative model. We still work with customers who have credit challenges, but we structure our program differently with a focus on flexible approvals, budget fit, and a better long-term customer experience.
Yes. Solutions Auto Group works with customers every day who have had credit challenges, including prior repossessions.
Often, yes. Credit history is only one piece of the picture. Solutions Auto Group takes a custom financing approach because every customer’s situation is different. We do not believe in a one-size-fits-all process.
Possibly. Lower monthly income can make it harder to structure a successful vehicle payment, which is why vehicle selection, down payment, and overall affordability matter. Choosing the right vehicle and showing the ability to make the payment are important factors in the approval process.
No. In many cases, it is better to start the approval process first so we can help match you with a vehicle that fits your budget and approval terms.
Approval depends on several factors, including:
- your application information
- your proven income
- your down payment
- the vehicle you choose
- your overall budget
- your prior credit history, if any
A good starting list includes:
- valid driver’s license
- proof of income
- proof of residence
- proof of identity
- title if you are trading in a vehicle
The exact time can vary, but our goal is to move quickly once the application, income, and vehicle fit are reviewed.
Down Payments and Payment Questions
Down payments start at $199 with approved application and go up from there. The final amount depends on underwriting, the vehicle, and your proven ability to pay. SAG’s average down payment over the last couple of years has been about $1,076.
Every deal is different. Down payments can vary based on the vehicle, the financing structure, the customer profile, and any current promotions.
Yes. Solutions Auto Group offers layaway regularly. Customers can put money down to hold a vehicle and receive a non-refundable receipt showing the next payment due date. If scheduled layaway payments are not made as agreed, the layaway funds are forfeited and the vehicle returns to stock.
SAG offers periodic payment options that may include weekly, bi-weekly, semi-monthly, and monthly schedules, depending on the customer’s pay cycle and account structure.
The best thing to do is contact your account manager immediately. Early communication matters and gives us the best chance to discuss the situation with you.
If your account is current and the vehicle will not start, contact your account manager immediately. In some cases, a low battery can trigger the device to beep.
Credit and Credit Reporting Questions
Do you check credit?
Yes, but not in the same way as a traditional bank-only process. SAG’s approach focuses on proven ability to pay, vehicle fit, and overall financial analysis rather than treating a low credit score as an automatic denial.
Will applying hurt my credit score?
SAG’s pre-qualification process uses a soft inquiry and does not affect your credit score. In most cases, a full application is not required, so a hard inquiry is not commonly initiated.
Does Solutions Auto Group report to credit bureaus?
Yes. SAG reports to TransUnion monthly. On-time payments can help build positive credit history over time.
Can making payments on time help rebuild my credit?
Yes. If your account is reported, on-time payments can help build positive credit history.
If I had a repo before, can I still get approved?
Yes, possibly. SAG works with customers who have had repossessions every day. This is where our custom financing approach matters. We want to structure the next deal in a way that gives you the best chance for success.
Can I get approved after bankruptcy?
Yes, possibly. Customers may still qualify after bankruptcy depending on the full application profile and the vehicle selected.
Vehicle and Pricing Questions
How do you price your vehicles?
SAG uses software to compare similar vehicles by VIN, mileage, trim, and market availability within about 250 miles, then adjusts pricing based on condition. If a vehicle is especially nice, it may be near the top of the range. If it shows more wear, pricing may be closer to the lower end of the range.
Do you sell cars for cash?
Yes. All vehicles are available for cash sale. SAG accepts cash, certified funds, or wire transfer. In most cases, the title is prepared and ready for pickup in about two weeks.
Do you sell older or cheaper cars too?
Yes, sometimes. Some vehicles may exceed lender requirements because of age or mileage and may be offered as cash vehicles or mechanical specials. Cash vehicles are sold as is, and customers are encouraged to bring a mechanic before purchase.
Vehicle and Pricing Questions
Can I trade in my current vehicle?
Yes. Trade equity may help reduce the amount needed down or improve the structure of the transaction, depending on the vehicle and overall deal terms.
Can I upgrade later into a nicer vehicle?
Possibly. When a customer proves to be a strong payment risk and develops a good payment history, the dealership may review options for moving into a nicer or newer vehicle.
Do you have locations in Chickasha, Duncan, and Lawton?
Yes. Solutions Auto Group has locations in Chickasha, Duncan, and Lawton, Oklahoma.
How can I contact Solutions Auto Group with more questions?
Please call the numbers listed on our locations page or email bdc@199down.com for additional questions.
Credit and Credit Reporting Questions
Yes, but not in the same way as a traditional bank-only process. SAG’s approach focuses on proven ability to pay, vehicle fit, and overall financial analysis rather than treating a low credit score as an automatic denial.
SAG’s pre-qualification process uses a soft inquiry and does not affect your credit score. In most cases, a full application is not required, so a hard inquiry is not commonly initiated.
Yes. SAG reports to TransUnion monthly. On-time payments can help build positive credit history over time.
Yes. If your account is reported, on-time payments can help build positive credit history.
Yes, possibly. SAG works with customers who have had repossessions every day. This is where our custom financing approach matters. We want to structure the next deal in a way that gives you the best chance for success.
Yes, possibly. Customers may still qualify after bankruptcy depending on the full application profile and the vehicle selected.
Vehicle and Pricing Questions
SAG uses software to compare similar vehicles by VIN, mileage, trim, and market availability within about 250 miles, then adjusts pricing based on condition. If a vehicle is especially nice, it may be near the top of the range. If it shows more wear, pricing may be closer to the lower end of the range.
Yes. All vehicles are available for cash sale. SAG accepts cash, certified funds, or wire transfer. In most cases, the title is prepared and ready for pickup in about two weeks.
Yes, sometimes. Some vehicles may exceed lender requirements because of age or mileage and may be offered as cash vehicles or mechanical specials. Cash vehicles are sold as is, and customers are encouraged to bring a mechanic before purchase.
Service, Warranty, and Repair Questions
What should I do if my vehicle breaks down during business hours?
Contact your account manager and explain where the vehicle is located and what you are experiencing. Our team may gather basic information about the concern, but any discussion by phone is for information-gathering only and should not be relied upon as a diagnosis, safety determination, or authorization to continue operating the vehicle. If you believe the vehicle may be unsafe, do not drive it. Always err on the side of caution. Towing is not covered by warranty or service contract unless specifically stated otherwise, and it is the customer’s responsibility to get the vehicle to the repair facility.
What should I do if my vehicle breaks down after hours?
Always secure your safety first. Make sure the vehicle is in a safe place and arrange to have it towed if needed. Then contact us during business hours for next steps. If you believe the vehicle may be unsafe, do not continue driving it.
Is there a charge to have my vehicle diagnosed?
Yes. The service department charges for diagnostic time. In most cases, the diagnostic fee is about one hour of labor. If you choose to have the repair completed at an SAG repair location, that diagnostic fee is applied toward the repair order. All repairs must be authorized before work begins. Payment is expected when the vehicle is picked up unless other arrangements have been made in advance.
Can I take my vehicle to another repair shop and get reimbursed?
No, not automatically. Covered repairs must be performed by Solutions Auto Group or an approved agent of Solutions Auto Group, and approval must be given in writing in advance. Customers may choose another shop at their own expense.
Do you have a waiting lobby while my car is being worked on?
Yes.
What if my vehicle has a manufacturer recall?
Manufacturer recalls must be completed by the vehicle manufacturer or an authorized franchise dealer. Solutions Auto Group is not authorized to perform manufacturer recall work. You may contact the manufacturer with your VIN to check recall information.
What if my vehicle has been in an accident?
Contact your account manager immediately so an incident report can be completed as soon as possible.
Service, Warranty, and Repair Questions
Contact your account manager and explain where the vehicle is located and what you are experiencing. Our team may gather basic information about the concern, but any discussion by phone is for information-gathering only and should not be relied upon as a diagnosis, safety determination, or authorization to continue operating the vehicle. If you believe the vehicle may be unsafe, do not drive it. Always err on the side of caution. Towing is not covered by warranty or service contract unless specifically stated otherwise, and it is the customer’s responsibility to get the vehicle to the repair facility.
Always secure your safety first. Make sure the vehicle is in a safe place and arrange to have it towed if needed. Then contact us during business hours for next steps. If you believe the vehicle may be unsafe, do not continue driving it.
Yes. The service department charges for diagnostic time. In most cases, the diagnostic fee is about one hour of labor. If you choose to have the repair completed at an SAG repair location, that diagnostic fee is applied toward the repair order. All repairs must be authorized before work begins. Payment is expected when the vehicle is picked up unless other arrangements have been made in advance.
No, not automatically. Covered repairs must be performed by Solutions Auto Group or an approved agent of Solutions Auto Group, and approval must be given in writing in advance. Customers may choose another shop at their own expense.
Manufacturer recalls must be completed by the vehicle manufacturer or an authorized franchise dealer. Solutions Auto Group is not authorized to perform manufacturer recall work. You may contact the manufacturer with your VIN to check recall information.
Contact your account manager immediately so an incident report can be completed as soon as possible.
Trade-In and Next-Step Questions
Yes. Trade equity may help reduce the amount needed down or improve the structure of the transaction, depending on the vehicle and overall deal terms.
Possibly. When a customer proves to be a strong payment risk and develops a good payment history, the dealership may review options for moving into a nicer or newer vehicle.
Yes. Solutions Auto Group has locations in Chickasha, Duncan, and Lawton, Oklahoma.
Please call the numbers listed on our locations page or email bdc@199down.com for additional questions.