IntegrityAutoFinance

2011-11-18T12:00:00.000-08:00

Integrity Auto Customer Referral Loan Pay-Off Sweepstakes

WILL YOU BE THE NEXT WINNER?

So far six (6) customer’s car loans have been PAID OFF IN FULL!

The predecessor to Integrity Auto Finance - I-35 AutoMall - has already paid off, in full, two customer’s car loans with Dealers Finance Co.

Chanell M. of Oklahoma City had just traded for her car two months earlier and her nearly $15,000 car loan with Dealers Finance Co. was been paid off in full by I-35 AutoMall in September 2010. At the time Chanell was a single Mom with kids and it was a blessing.

Erika C. of Oklahoma City had the over $15,000 car loan for her 2007 Chrysler 300 paid off in full by I-35 AutoMall in January 2011. Erika’s husband had been out of work and she has a daughter ready to go to college so the timing was wonderful for her and a blessing.

Phyllis A. of Oklahoma City had her $$4,500 loan on her pick-up paid off in April 2011 by Integrity Auto Finance. This windfall enabled her to buy another car for her family.

Since Phyllis A.’s car loan was paid down pretty low, in April 2011 we drew a second time for a second winner in April 2011. Pamela W. of Oklahoma City had her over $9,000 SUV paid off in full by Integrity Auto Finance. Not having a car payment created “extra money” that she had not experienced before.

Tracey and Dennis W. of Oklahoma City were our first couple to win. They had their over $10,000 car loan paid off by Integrity Auto Finance in July 2011. They were thrilled!

Alan M. was our first winner who is in the military. Alan is stationed at Tinker Air Force Base. He bought his nearly brand new car in July 2011 and his nearly $17,000 loan was fully paid off in October 2011. He had only made 5 semi-monthly car payments and his car loan was paid off in full. Wow.

You can see video of the winners on our website by clicking HERE. This is the REAL DEAL!

We are GOING TO DO IT AGAIN & AGAIN & AGAIN & AGAIN!

We have drawings planned for January 2012, April 2012, July 2012 and September 2012.

How can you have the best chance to win?

You need to act now to maximize your chances of winning:

1. Make your Dealers Finance Co. car loan payments on time. You get one (1) entry for each month end when your account is paid on time so that it is “current”.

2. Make sure any outstanding late payment fees are paid – you have to be in “good standing” with no outstanding late fees in order to be eligible for the April drawing.

3. Make sure you have full value comprehensive and collision insurance coverage in force and that Dealers Finance Co. is listed as lien holder on your insurance policy.

4. New customers of Integrity Auto Finance get one (1) entry when they buy a car at either Integrity Auto Finance store.

5. Dealers Finance Co. customers who bought their car from I-35 AutoMall or Integrity Auto Finance get five (5) entries when they sign up for Auto-Pay – ask your Account Supervisor how to do this.

6. Dealers Finance Co. customers who bought their car from I-35 AutoMall or Integrity Auto Finance get two (2) entries when they sign up to be a Facebook Friend of Integrity Auto Finance.

7. REFERRALS – this is the best way to win because there is no limit on the number of entries you can earn. You get:

▪ Ten 10 entries for referring your 1st new customer to Integrity Auto Finance.
▪ Twenty 20 entries for referring a 2nd new customer to Integrity Auto Finance.
▪ Thirty 30 entries for referring a 3rd new customer to Integrity Auto Finance.
▪ Forty 40 entries for referring a 4th new customer to Integrity Auto Finance.
▪ Fifty 50 entries for referring a 5th new customer to Integrity Auto Finance.

And so on – and there is no limit on how many entries you can get! The only limitations on referral entries are that the referred person must become a new customer of Integrity Auto Finance and the note must be financed with Dealers Finance Co.

PLUS: Dealers Finance Co. will pay you $150.00 for every successful referral of a new customer to Integrity Auto Finance.

YOU COULD BE OUR NEXT WINNER!

If you aren’t a customer but are in the market, come in and see us at either Integrity Auto Finance store. Start by visiting us online and browsing our INVENTORY . If you are already a customer, get busy and send us some referrals. Maybe you will be the next BIG WINNER! Call for details.

© Copyright Integrity Auto Finance, LLC November 2011

2011-11-18T11:54:00.000-08:00

Heartland Service Plan offered by Integrity Auto Finance

Includes Oil Changes

The Heartland Service Plan includes four (4) oil changes. This is pretty unique in the used car business but something that ultimately our competition will copy.

This program originated when we learned that a customer of I-35 AutoMall drove her Chrysler 300 for nearly 33,000 miles without ever having the oil changed in her car. We discovered this when the customer brought the car in for service, complaining that it wasn’t running very well. Go figure.

The four included oil changes were added to the Heartland Service Plan to give us four opportunities to check our customers’ cars for them and help prevent future problems.

Regular maintenance is part of owning a car and keeping it in safe, reliable condition. When you buy a vehicle from Integrity Auto Finance it has undergone a comprehensive 132 point check by an Integrity Auto Service technician. If they discover something that needs to be fixed they either get it fixed or we send the car back to auction as unfit for our customers.

We believe that our vehicles are reconditioned to a standard much, much higher than our competition. The purpose is so when you buy a car, truck or SUV from Integrity Auto Finance we can count on it being a reliable vehicle you will be proud to own and pay for.

Once you have the vehicle the responsibility switches to you to check the oil and other fluids, to keep the tires properly inflated and to be alert for potential problems.

For example, in the fall before it turns to winter the radiator should be checked for proper “anti-freeze”, also known as “coolant”. When it is hot outside, and especially when vehicles are stuck in traffic and not moving through the air very fast, the anti-freeze or coolant will start to boil and escape through an overflow drain system. Then when the engine has cooled down the vehicle coolant level may be too low. Sometimes people will add just water instead of a proper mix of anti-freeze and water, with the result that the anti-freeze is diluted and not effective at low temperatures.

Another example is tire pressure. Almost all of the cars, trucks and SUVs offered for sale by Integrity Auto Finance have new tires. So you are starting out in good shape. But changes in temperature and daily use can lead to tires losing air pressure to the point where the pressure is too low and the tire will handle and wear poorly. This can be dangerous and it can lead to premature tire wear. Not good. So when you bring your vehicle in for an oil change our technicians will check your tires and make sure they are properly inflated.

At Integrity Auto Finance we want to help you keep your car in great running condition. The Heartland Service Plan includes four oil changes for the first year of ownership to get you in the good habit of regular maintenance. When your oil is changed the technician will also check the anti-freeze, other fluids, and tire pressure. This has helped us identify preventative maintenance which has saved our customers a lot of money.

Next time you are buying a car, truck or SUV, be sure to ask about the service plan – does it include important on-going maintenance like oil changes? The Heartland Service Plan offered by Integrity Auto Finance does. Why would you buy anywhere else?

© Copyright Integrity Auto Finance, LLC November 2011

2011-11-18T11:51:00.000-08:00

Heartland Service Plan offered by Integrity Auto Finance is

Licensed by the State of Oklahoma

The Heartland Service Plan offered by Integrity Auto Finance is officially licensed with the Oklahoma Insurance Department. This means that:

1. The Heartland Service Plan has been submitted to the Oklahoma Insurance Department for review and has been officially approved for sale in the state of Oklahoma.

2. Dealers Finance Co., which owns and sells the Heartland Service Plan, is officially licensed by the Oklahoma Insurance Department to sell service warranties.

3. Dealers Finance Co. pays the State of Oklahoma a fee for every contract sold. This is required by law. To date Dealers Finance Co. has paid the State of Oklahoma thousands of dollars in fees.

4. Dealers Finance Co. has funded a $50,000.00 Treasury Bond investment that is available to the Oklahoma Insurance Department. This is required by state law and provides financial security for customers.

5. Dealers Finance Co. maintains a special purpose bank account with cash on deposit equal to 25% of any unearned premiums. This is required by state law and serves to provide financial security for customers.

Some dealers try to avoid the State’s licensing requirements by claiming that their service plan is a “free” warranty, even though they may have other paperwork disclaiming a warranty. We think this is wrong.

We think other dealers do this to avoid having to submit their plan to the Oklahoma Insurance Department for approval prior to sale. It may be more work and trouble than they want to go through.

We think the # 1 reason other dealers don’t sell licensed plans is to avoid having to pay fees and maintain security accounts to provide financial security for customers who get a service or warranty plan from them. It is another way they cut corners and try to save a buck even though it is wrong.

It isn’t “free” if you have to pay a deductible. It also isn’t “free” if the cost of the warranty is included in the selling price of the vehicle. We think it is a cheap trick to fool customers and cheat the State of Oklahoma.

If you bought a car from someone else and you have a “free” service plan or warranty but they tell you that you have to pay a deductible, we suggest you contact the Oklahoma Insurance Department to complain.

You may discover that the dealer you bought from is violating the Oklahoma Service Warranty Insurance Act and needs to be investigated.

The main telephone number for the Oklahoma Insurance Department is 405-521-2828 and toll-free at 800-522-0071. You can find them on the web at www.ok.gov/oid/.

Better yet – make sure you do business with Integrity Auto Finance where our Golden Rule mission is to treat you as we would want to be treated ourselves. That includes following the law and complying with the State’s licensing requirements for service plans.

© Copyright Integrity Auto Finance, LLC November 2011

2011-11-18T11:49:00.000-08:00

Do Down Payments Matter?

A way to get you to go to their car lot

Many car dealers promote low or no down payments as a way to entice customers to come to their car lot. Is this a trick to get you to come in to the dealership and then they tell you that the car you want needs a down payment or a bigger down payment? If you do buy a car with little or no money down is that a good deal for you?

We can’t address the “bait and switch” question – you will have to check on that one yourself. But we won’t be surprised if you discover that only a few of the dealer’s cars and trucks qualify for no down payment or a low down payment.

Is a low down payment is a good deal?

The cost of your pre-owned car, truck or SUV will depend on how much you finance and for how long. If you put little or no money down, either your payments will have to be higher or you will have to pay longer or both.

If the payments are higher, it could make them harder for you to make and increase your risk that you get behind and maybe lose the car. That isn’t a good deal.

If you pay longer it will cost you more money in interest, raising your total cost. Not a good deal.

At Integrity Auto Finance we are interested in you as a customer and the potential to sell you more cars and sell cars to people you want to refer to us. With that view, we will work with you to get you the combination of down payment and payment amount that works best for you.

Things to think about:

1. The more money you are able to put down to start with the less you will have to pay in interest over time. Dealers who promote or require little or no money down are actually setting you up to pay a lot more in interest. You think you are paying less because you don’t pay much down to start with but in reality you are setting yourself up to have to pay more due to interest.

2. The more you can afford to pay each payment period the quicker you can pay off the car loan and the less it will cost you over time. At Integrity Auto Finance we try to structure your car loan to be both affordable and enable you to pay it off sooner rather than later. The quicker the car is paid the less you have to pay in interest and the less your total cost.

At Integrity Auto Finance we are flexible to structure a car loan that works for you. Depending on the vehicle we may be able to sell it to you for little money down, so long as the resulting payments aren’t too high for your income.

But, if you are willing and able to put more money down we want to encourage you to do that because it will help you pay the car off faster and save you money. We succeed only when you succeed.

© Copyright Integrity Auto Finance, LLC November 2011

2011-11-18T11:41:00.000-08:00

Customer Referral Car Loan Pay-Off Sweepstakes

WHY ARE WE DOING THIS? ARE WE CRAZY?

Have you wondered why Integrity Auto Finance would pay off a customer’s car loan? After all, they are already a customer and making their payments. Why would Integrity Auto Finance pay off their car loan? Are we crazy?

It’s tough competing with people who “stretch” the truth.

The answer is because so many pre-owned or used car dealers have a reputation for being liars, cheats, and scam artists that people don’t really believe their advertising.

You’ve seen the ads where dealers advertise something that seems too good to be true and when you go to the lot sure enough the dealer does a “bait and switch” to try to sell you something else.

Or they lead you to think you can get a great car for no or not much money down and low payments, but then that is only available with some of their inventory.

Or they run a TV ad where they have to have a fast-talking, fine print disclaimer at the end to take back everything the ad said in slow talk and big print.

It is a tough business competing with people when it looks like they get away with lying and cheating.

We are here to prove we have INTEGRITY and CAN BE TRUSTED!

We learned that we can’t just go on TV and radio and say we’re not like the other guys – that WE CAN BE TRUSTED. We needed a way to prove that we are really different from those other guys.

So what is the most amazing thing we could do to prove that WE SAY WHAT WE MEAN AND WE GENUINELY MEAN WHAT WE SAY? It is to pay off a good customer’s car loan.

So the Sweepstakes idea was born. We are using it to get your attention, to prove that we can be trusted, to prove that we are genuine and sincere, to reward good customers and to encourage good customers to send us good referrals who become new customers. And along the way we might just change people’s opinions a bit to know that not all used car dealers are liars, cheats and scam artists.

Started by I-35 AutoMall – carried on by Integrity Auto Finance

We started this when our name was I-35 AutoMall and we had just one store. It was a great success and very fulfilling to help people. We are continuing the program now that we have two stores and our name is changed to Integrity Auto Finance. It is our way of showing what we mean by “Integrity”.

So what’s in it for you?

If you aren’t a customer yet, check us out. Stop by an Integrity Auto Finance store and look at our great inventory and talk to our people. Go to our website at http://www.integrityautofinance.com/ .

Check out what our customers say about us by clicking HERE .

Become a friend on our Facebook page and read what our customers have to say about us! Learn what our “Golden Rule” culture is about – treating you as we would want to be treated.

If you are already a customer, you can automatically participate in the Sweepstakes by making your payments to Dealers Finance on time. You can increase your chances of winning by signing up for Auto-Pay, joining Integrity Auto Finance as a Facebook Friend, and sending us referrals who become new customers. The rules are on our website HERE . You could be our next Winner!

© Copyright Integrity Auto Finance, LLC November 2011

2011-11-18T11:38:00.000-08:00

New Store – New Name – Same Mission

New 2nd Store: 801 W. I-240 – near I-240 & Western on north side of I-240

We have opened a new, second store located at 801 West I-240. It is on the north (westbound) side of I-240 just before you get to Western. You can exit at either Walker or Western and enter from the I-240 service road. Or you can enter from Western between the Conoco station on the corner and the Burger King just to the north.

New Name: Integrity Auto Finance

We have a new name: Integrity Auto Finance. There are several reasons for the name change:

1. The new store is on I-240 – we needed a name that isn’t limited to location, like I-35.

2. We want to emphasize what makes us best: our INTEGRITY. Other people say and advertise a lot of things, but we actually do what we say we will do and we treat our customers, vendors and each other with utmost respect and integrity all the time.

3. For people who don’t know us yet we want to make sure our name indicates that we provide financing regardless of credit history. We want to help and we can help.

Same Mission: Treat Customers as we would want to be treated.

Integrity is a culture that drives our every action. Everyone on our team shares the “Golden Rule” mission to treat people the way they would want to be treated themselves. It is a great rule for life.

If you are down on your luck, have bad credit or don’t have any credit at all, have had some ups and downs, that means to us that you are like just about everyone else, including us. We have all had our ups and downs, periods of unemployment, times when our bills were more than our income, and so on. We get it. It is more than just saying we get it – we really do get it and it is our job to help.

Bottom Line: More Inventory – More Ways to Help People.

We have doubled our inventory, and every vehicle for sale has passed our 132 point Heartland Service Plan checklist. More great used trucks, cars, SUVs, vans, crossovers, convertibles, you name it.

We have a second convenient location, staffed with the same friendly people ready to help you.

We are continuing our popular programs:

4 oil changes and maintenance checks Loan Pay-Off Sweepstakes –with drawings in
included with Heartland Service Plan January, April, July and September

Highly reconditioned vehicles Repair assistance program

Interest reduction program AutoPay Rewards program

Daily contests and prizes on Facebook Customer referral rewards from Dealers Finance

Even if you aren’t in the market now for a better pre-owned car, truck or SUV, stop in and see us at either store to get acquainted. We won’t pressure you but we will help when you are ready. Or you can visit us online anytime at http://www.integrityautofinance.com/ .

Follow us on Facebook by clicking HERE.

Get to understand our culture of Integrity. We will be there to help you when you are ready to buy and need help to buy and finance a reliable vehicle you will be proud of.

© Copyright Integrity Auto Finance, LLC November 2011

2011-11-17T14:30:00.000-08:00

Financing Your Next Car or Truck

Frequently Asked Questions

I have bad credit. Can I get approved for a car loan?

In almost every case: Absolutely! You’re Approved! Integrity Auto Finance is in the business of helping people with bad credit finance quality cars, trucks and SUVs. Our job is to help people establish or re-build good credit. Almost everyone is approved. The exceptions are people with serious outstanding criminal warrants, no valid driver’s license or no income. At Integrity Auto Finance we want to approve you and we will work to get you approved.

My last car was repossessed. Can I get approved now for another car loan?

Yes, in almost every case. Integrity Auto Finance believes that some used car dealers and Buy Here Pay Here dealers set customers up to fail. Some dealers figure that they can sell the same car time after time and make more money that way. They might charge little or no money as a down payment and then set up high payments that are more than you can afford. It is as if they are setting you up to fail so they can re-possess the car and sell it to someone else.

At Integrity Auto Finance we don’t play that game. We understand that many people whose cars have been repossessed will be good customers when they are able to get a good vehicle and payments they can afford.

I have just gone through a divorce and lost my car. Can I get approved at Integrity Auto Finance?

At Integrity Auto Finance we understand that divorce can be a painful, disruptive experience that can lead to bad credit and financial problems. But you still need a car or truck to get to work, to get kids to school, to get groceries, to get to church and to get around. We understand and we want to help and that means we will do everything we can to help you get what you need for a payment you can afford.

I am a single Mom. Why should I go to Integrity Auto Finance?

At Integrity Auto Finance we get it. You will deal with people who are single Moms or single Dads, or who grew up in a single parent home. We have been there and some of us are there right now. We get it and we sincerely want to help in any way we can.

At Integrity Auto Finance we know it is important to have a car or truck that is reliable – our pre-owned cars, trucks, SUVs and vans have undergone a thorough 132 point service checklist before they are put on the lot for sale. We believe our vehicles are reconditioned to a level way above any of our competition. It is part of our “Golden Rule” mission to treat others the way we would want to be treated ourselves.

Our Heartland Service Plan is designed to help you with the car or truck after you buy it, including service for oil changes and maintenance check-ups. We are genuinely committed to being that one place you know you can trust to treat you fairly and honestly.

We also know that a new car, truck or SUV won’t do you any good if it is repossessed, so we structure payments that you can afford. When you are on your own it is especially important that your car loan be set up so you can succeed.

And if you should need service after the Heartland Service Plan expires, we have a customer “ombudsman” whose main job is to help customers whose car or truck needs service. She’s not single, but she is a Mom.

I have filed bankruptcy. Can I get approved at Integrity Auto Finance?

Yes - at Integrity Auto Finance we want to finance your future, not turn you down based on your past. The purpose of bankruptcy is to get a fresh start for a better future. Integrity Auto Finance wants to be part of that future and help you establish new and better credit.

A car loan is a good way to establish or improve credit. We want to approve you and a prior bankruptcy should not get in the way. If you are currently in bankruptcy there are special rules depending on the type of bankruptcy. Give us a chance to work with you and we will see what we can do to get you a new ride.

How will they decide whether to finance me?

Integrity Auto Finance is interested in your situation now, not what it was in the past. We want to finance your future, not worry about your past. The important factors will be your income, employment, personal references, and residence in Oklahoma. We do not rely on credit scores.

What information should I bring with me to help me get financed?

Since we don’t base a financing decision on your credit history, we need information to verify your income and ability to pay.

1. Most recent pay stubs for you, and your spouse, if married.

2. Information regarding employment, including job, company name and address, supervisor, time at that job, and prior employment experience.

3. Copy of utility bills to verify residence.

4. Contact information for mortgage company or landlord.

5. List of personal references, including their name, address, phone numbers and place of employment.

6. Trade-in, if any, including the title and information about where it is financed.

Who will decide whether to finance me?

Integrity Auto Finance has a Dealers Finance Co. Loan Approval Manager on site to review your loan application, assure the payments are affordable, make sure the payments are set up to correspond to when you are paid, explain the Heartland Service Plan, get your insurance information, and to meet with you and answer questions. The Loan Approval Manager’s job is to get you approved for a vehicle you can afford and will be proud to own.

Will I be pressured?

No. Buying a car is a big deal and no one wants to be pressured. At Integrity Auto Finance our approach is to let you walk the lot to look at our wide selection of pre-owned cars, trucks and SUVs. You can take as long as you want, and then a Customer Sales representative will help you pick out the car, truck or SUV you want and then start the car loan approval process.

You will not be pressured about your down payment. If you are asked if you can put more money down it is only to help get you approved for the vehicle you have selected or to be able to lower your payments to an amount we think you will be able to afford. The pressure is on our team, not you, to help you buy and finance a vehicle you can afford and will be proud to own.

How much is the down payment?

At Integrity Auto Finance the down payment will depend on what car or truck you want to buy, your situation and how much you can afford as payments.

The more you are able to pay as a down payment the less your payments will be. Another advantage of a down payment is that it helps you pay off your car loan quicker, meaning it will cost you less interest.

At Integrity Auto Finance we encourage you to pay down as much as you can because it will save you money. On the other hand, if you don’t have much to spare for a down payment we will work with you to get you in a car or truck you like and can afford.

Will it be expensive?

If you have bad credit it does cost more to get financed because you represent a higher perceived risk. But it doesn’t always have to be that way.

Integrity Auto Finance can help you improve your credit in several ways. First, our financing company Dealers Finance Co. will report your credit experience with Dealers Finance Co. so you can use your good experience with us to re-build your credit. A car loan can be a very good way to establish or help improve your credit history.

Second, Integrity Auto Finance will give you a complimentary copy of the best-selling Recreditpair self-help software that you can use to help clean up your credit history. This is a $78 value and is a tool that you can use yourself to remove any incorrect entries on your credit history.

Third, Dealers Finance Co. has programs to reward you for on-time payment. This includes programs to reduce your interest rate and build a fund to be used for service, accessories or a down payment on your next vehicle with us. There is also the Loan Pay-off Sweepstakes!

Fourth, once you establish your good credit with us we can help you buy and finance more vehicles from us with reduced interest cost.

What can I do to get a good deal?

The cost of your pre-owned car, truck or SUV will depend on how much you finance and for how long. Here are some things to help:

1. The more money you are able to put down to start with the less you will have to pay in interest over time. At Integrity Auto Finance we are sincerely interested in helping you succeed. Other dealers who promote or require little or no money down are actually setting you up to pay a lot more in interest. You think you are paying less because you don’t pay much down to start with but in reality over the life of the deal you are paying more due to interest.

2. The more you can afford to pay each payment period the quicker you can pay off the car loan and the less it will cost you over time. At Integrity Auto Finance we try to structure your car loan to be both affordable and enable you to pay it off sooner rather than later. The quicker the car is paid the less you have to pay in interest and the less your total cost.

3. The more frequently you schedule payments the less interest you will have to pay over time. For example, it will cost you less interest to pay semi-monthly than it will to pay monthly.

4. The payments should match when you are paid and they should not be more than you can afford. It is essential that you be set up to succeed. Integrity Auto Finance and Dealers Finance have established payment limitations tied to a percentage of your income to protect against you being approved for payments that are higher than you can afford.

5. Dealers Finance has a program to reduce your interest rate up to 3 percentage points if you consistently make your payments on time. This can help you save money over time and pay the loan off faster.

6. Paying on time each time will avoid late payment fees and reduce your total cost.

7. The condition of the vehicle when you buy it will affect your total cost of ownership. Integrity Auto Finance puts its vehicles through a 132 point comprehensive service checklist to make sure the vehicles are eligible for the Heartland Service Plan and sale to customers. A copy of the checklist is given to you when you purchase a car from Integrity Auto Finance.

Your sales consultant will also be happy to show you an AutoCheck report so you can understand the vehicle’s history before we bought it to sell.

When you look at a vehicle at Integrity Auto Finance you typically will see it is shiny, has new tires and fresh oil and filters. But it is the things that you may not see that can be really important. We believe we recondition our pre-owned cars, trucks and SUVs to a standard far higher than any of our competition. Your sales consultant will be happy to show you a list of the reconditioning performed on the vehicle to get it ready for sale.

This investment by Integrity Auto Finance to get your new car ready for you should save you repair money down the road. It is part of our “Golden Rule” commitment to treat you as we would want to be treated ourselves.

How long will it take?

The process typically takes one to two hours, from the time you walk on the Integrity Auto Finance lot to when you drive off with your new car, truck, SUV, van or convertible. It is our goal at Integrity Auto Finance to make it as easy and enjoyable as possible for you.

What if I can’t find the used car, truck or SUV that I want?

At Integrity Auto Finance we carry a huge selection of cars, trucks, SUVS and vans, all of which are reconditioned and ready to give you great service. We have luxury cars, economy cars, work trucks, luxury trucks, convertibles, hybrids, crossovers, mini-vans, conversion vans, you name it. You can review our inventory HERE . We think you will find our online inventory listing to be very complete, with detailed information on every vehicle for sale. But if you can’t find exactly what you want, please know that Integrity Auto Finance wants you as a customer and if we don’t have what you are looking for we are willing to look for it for you. Integrity Auto Finance has new inventory coming on the lots every day. We are constantly adding inventory. At Integrity Auto Finance our goal is to get you what you want, and if that takes time and work we are happy to do what it takes.

How will I know whether I am buying a good vehicle? Answer # 1

Just as importantly as having a wide selection, we are very selective in what we carry for sale. We scrupulously avoid some makes and models that we see our competitors carry. Why? Because we believe those makes and models are weak, break down too easily, can’t be relied on and aren’t what we would want to buy for ourselves. Check out our outstanding inventory by clicking HERE.

How will I know whether I am buying a good vehicle? Answer # 2

Integrity Auto Finance makes a free AutoCheck report available to you for every vehicle we have for sale. Integrity Auto Finance contracts with AutoCheck to provide a detailed vehicle history report on every vehicle we offer for sale. You can learn more about AutoCheck by going to their website.

When you buy a vehicle from Integrity Auto Finance you get to first review the vehicle’s history on an AutoCheck report. The Integrity Auto Finance inventory page provides a link to the AutoCheck report for every vehicle. Click HERE. Each vehicle has a tab you can click to take you to that vehicle’s AutoCheck report, for free. This will let you know how many people have owned the vehicle, whether it was in a fleet or private hands and whether it was in a reported accident.

Why do we do this? So you will know the same information we would want to know if we were you – it is part of our Golden Rule approach to customer service and satisfaction.

How will I know whether I am buying a good vehicle? Answer # 3

Every vehicle offered for retail sale by Integrity Auto Finance has undergone a thorough 132 point inspection prior to sale. We spend on average over $1,500.00 reconditioning every vehicle to get it ready for sale. In some cases, depending on the type of vehicle, we spend over $3,000.00. The records of these expenses are provided to customers when they buy so you will know exactly what we have done to get your new vehicle ready for you. It is part of our policy of full disclosure, commitment to customer service and commitment to treating people how we would want to be treated: The Golden Rule.

What is the Heartland Service Plan?

The Heartland Service Plan is a vehicle service plan licensed with the State of Oklahoma Insurance Department. It covers major components of the vehicle plus includes four oil changes and service checks to help you keep your car, truck or SUV in good running condition. Here is more information on our Heartland Service Plan.

Many if not all of our competitors’ plans are not licensed by the Oklahoma Insurance Department and as a result may not be in compliance with state law. It looks to us like they either aren’t aware of the requirement for a service plan to be licensed or they are trying to avoid the licensing requirement by claiming their service plan or warranty is “free”. But then they charge you a deductible if you need to use it. The plan isn’t “free” if you have to pay something to use it, and if it isn’t really, truly “free” then the plan should be licensed.

It gets old competing with people who cut corners, say one thing and do another and don’t comply with the law. They give the industry a bad name and they can make life miserable for consumers. In a way it is unfair that they get away with it.

At Integrity Auto Finance we live by the “Golden Rule” to treat our customers, our vendors and each other as we would want to be treated ourselves. Our Integrity is important to us. It is our “unfair” advantage over our competitors whose practices are not based on Integrity.

What if my car breaks down after I buy it?

Cars are complicated machines and they do need service. Integrity Auto Finance and Dealers Finance Co. are both committed to “Service after the Sale – That’s Integrity!” as a mission to help customers. There is a customer “ombudsman” whose # 1 job is to help customers with service issues, whether they are within the coverage period of the Heartland Service Plan or later. The Heartland Service Plan Administrator will help arrange for service, negotiate with reputable shops to assure fair pricing and follow-up to make sure repairs are taken care of. Here is more information on our Service Department.

If I have an expensive repair can I get help to pay for it?

If you maintain a good payment record with Dealers Finance, in most cases Dealers Finance will help you by financing part of the cost of repairs that are needed after the Heartland Service Plan period has expired. The keys are to establish a good payment record and to contact the Heartland Service Plan Administrator before repair work is started.

If I can’t make a payment on time what should I do?

Call your Dealers Finance Customer Service representative. They are trained to listen and learn what is going on and they want to help you. If you have lost your job, had a health emergency, gotten divorced or something similar, they will ask for verification and then get to work helping you work your way through it. This happens all the time so it isn’t something to be embarrassed about. Your Customer Service representative has probably been in the same situation sometime on their own so they understand. The key is to communicate early and often.

What if I want to trade my vehicle in for a newer car, truck or SUV?

We have many people who have bought several vehicles from us. Bring your car to Integrity Auto Finance and we will appraise it and review your payment history while you are looking at our extensive inventory of late model cars and trucks.

Is the Loan Payoff Sweepstakes for real?

Yes. Through October 2011 we have paid off six (6) customers’ car loans with Dealers Finance Co. The loans were paid off in full. These are car loans customers incurred when they bought a car from us and now they own the car free and clear.

You can learn more about this neat program HERE.

You can see videos of the winners HERE.

Why would you pay off a customer’s car note?

It is unfortunate but the used car industry has earned a bad reputation for saying one thing and doing another. At Integrity Auto Finance we live by the Golden Rule of treating customers how we would want to be treated. And that includes doing what we say we will do.

So how can we prove that? It doesn’t work to just say it in TV ads. Consumers are conditioned to not believe what used car lots say on TV. So we decided to do the most outrageous thing we could think of, and to do it again and again. What is that? The most outrageous thing we could think of is to pay off customers’ car notes.

Through October 2011 we have paid off six (6) different customers’ car notes in full. It has changed lives and helped people. We love it. It is a great feeling to be able to help people. We have more payoffs planned for 2012 in January, April, July and September.

How do people win?

Customers earn chances to have their car loan paid off in full by paying on time, friending us on Facebook, signing up for AutoPay and sending us referrals.

Customers get one (1) entry for every month end that their loan is paid current and in good standing. That means you can earn 12 entries each year.

Customers get two (2) entries for becoming a friend on the Integrity Auto Finance Facebook page.

Customers can earn five (5) entries for enrolling in AutoPay to make their payments on time.

Customers can earn lots of entries by sending us new customers. The first successful referral earns ten (10) entries. The second successful referral earns twenty (20) entries. The third successful referral earns thirty (30) entries, and it increases by ten (10) each time after that. If you work the math you will see you can earn one hundred (100) entries by sending us four successful referrals. These entries are in addition to the $150.00 that Dealers Finance Co. will pay you for each successful referral.

Aren’t all used car dealers the same?

No. Many used car dealers and especially many “buy here pay here” used car dealers have horrible reputations for lying to customers, selling sub-standard cars and trucks, trying to trick customers, and so on. It is important to know who you are dealing with and what they are really like.

The teams at Integrity Auto Finance and Dealers Finance are people just like you. We know what it is like when money is tight, things go wrong, life gets tough and even little things can become big problems.

At Integrity Auto Finance we are proud that our mission is to help people, starting with selling you a quality, reliable pre-owned car, truck or SUV you will be proud to own, and continuing through the term of the car loan. We are willing to be there for folks when they need help and it pays off for us with repeat business and referrals. We believe in helping customers and treating people the way we would want to be treated. It is our “Golden Rule”.

At Integrity Auto Finance our largest source of business is repeat customers and new customers that are referred by existing customers. We have earned that by consistently treating people right. We want to do the same for you.

© Copyright Integrity Auto Finance, LLC November 2011