Integrity Auto Finance

What Integrity Auto Finance does

Integrity Auto Finance, LLC is a privately held Buy Here Pay Here used car dealership founded in 2000 and headquartered at a single retail showroom on South I-35 Service Road in Oklahoma City, Oklahoma. The company sells pre-owned cars, trucks, and SUVs and provides in-house vehicle financing to subprime and credit-challenged customers, including those with bad credit, no credit, repossessions, bankruptcies, divorce-related impacts, or job loss histories. Unlike most BHPH operators, Integrity reports every on-time payment to Equifax, TransUnion, and Experian, positioning credit rebuilding as a core value proposition alongside vehicle access.

The product portfolio is anchored by Buy Here Pay Here financing with variable APR tailored to each applicant's credit profile via underwriting software, plus a 132-point inspection and reconditioning process on every vehicle before sale. Attach products include the Veritas Unlimited Mileage Protection Plan (a Veritas Global-partnered mechanical component plan with roadside assistance and rental benefits), Gap Insurance, Total Loss Protection, an Accessory Program (wheel/tire packages, lifts, bed liners, alarms, keyless entry), and a Flexible Layaway Program. Customer loyalty is built through two sub-brands: Integrity Prime (a paid membership offering oil changes, on-time-payment reward points, easier trade-in paths, and repair finance assistance) and Integrity Pro (a commercial program offering a dedicated service hotline, fleet GPS, parts/labor discounts, and PRO fleet rental trucks for self-employed and small business customers). The company also operates Integridad Auto Plaza, a full Spanish-language site and financing application.

Revenue is generated primarily through one-time vehicle sale gross profit and recurring in-house financing interest income, with ancillary revenue streams from F&I products, accessories, warranty sales, and membership fees. Go-to-market is inside-sales led with phone inquiries, an online 24/7 pre-approval application, walk-in retail traffic, and bilingual English/Spanish support. Distribution is exclusively direct retail at the Oklahoma City showroom with no franchise, reseller, or marketplace channels. The company partners with Dealers Finance Co., LLC and Credit Acceptance Corporation as affiliated financing entities, CARFAX for vehicle history reports, Veritas Global for protection plans, and NIADA as an industry association.

Name

Integrity Auto Finance

Legal name

Integrity Auto Finance, LLC

Website

https://integrityautofinance.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Integrity Auto Finance is a Buy Here Pay Here used car dealership in Oklahoma City that provides in-house financing to subprime and credit-challenged buyers since 2000, with credit-bureau reporting, a 132-point inspection process, and sub-brands for commercial (Integrity Pro) and loyalty (Integrity Prime) customers.

Ownership category

akta.pro rank

Product category

Used Car Dealership (Buy Here Pay Here)

NAICS

Used Car Dealers (44112), Sales Financing (522220)

SIC

Retail-Auto Dealers & Gasoline Stations (5500), Personal Credit Institutions (6141)

akta.pro primary industry

New & Used Auto Purchase Loans (FSAKADAA)

akta.pro secondary industries

Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL), Auto Loan Servicing & Collections (FSAKADAK)

Keywords

• Buy here pay here
• Used vehicle sales
• Subprime auto financing
• In-house auto lending
• Credit building financing

Headquarters

HQ city

Oklahoma City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Inventory or Supply Chain, Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Vehicle Sales: Primary revenue from selling pre-owned vehicles (cars, trucks, SUVs) at margins. The company offers special financing for subprime customers, generating interest income through in-house financing.
2. Financing & Interest Income: Revenue generated from in-house financing of vehicles, particularly serving customers with bad credit, no credit, or unique credit situations. The company reports to all three credit bureaus.
3. Protection Plans (Veritas): Sale of unlimited mileage protection plans covering major mechanical components including engine, electrical, A/C, heating, cooling, transmission, catalytic converter, oxygen sensors, and drivetrain. Plans include emergency roadside assistance, rental car benefits, and travel interruption coverage.
4. GAP Insurance: Gap insurance product that covers the difference between actual cash value paid by auto insurance and the outstanding loan balance in case of total loss.
5. Accessories: Sale of vehicle accessories including wheel & tire packages, suspension lifts, leveling kits, fitted floor mats, tool boxes, bed liners, fitted seat covers, alarms, and keyless entry systems.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Integrity Auto Finance is a Buy Here Pay Here used car dealership that sells pre-owned vehicles (cars, trucks, SUVs) to consumers in the Oklahoma City metro and finances those purchases in-house, regardless of the customer's credit history. The core offering bundles vehicle retail, in-house subprime auto lending (with reporting to all three credit bureaus), a 132-point inspection/reconditioning process, and ancillary protection products (Veritas unlimited mileage plan, GAP insurance, accessories, layaway) into a single integrated purchase.

Product overview

Integrity Auto Finance operates as a Buy Here Pay Here used car dealership in Oklahoma City serving Oklahomans since 2000, offering a portfolio of interconnected products centered on vehicle sales and in-house financing. The core offering is their Buy Here Pay Here Financing with special programs for all credit types, supported by the Veritas Unlimited Mileage Protection Plan for vehicle protection. Customer loyalty programs include Integrity Prime Membership (with free oil changes and referral points) and Integrity Pro for commercial customers (with fleet services and priority support). Additional value-add services include a 132-Point Inspection & Reconditioning Process, free CARFAX reports, Gap Insurance, Total Loss Protection, and a Flexible Layaway Program.

Differentiator

Problem solved

Functional benefit

Brands

• Integrity Pro: A commercial customer benefits program for self-employed and business customers offering dedicated service, fleet rental trucks, and priority service
• Integrity Prime
• Veritas Protection Plan

Quantifiable outcome

• Credit score improvement of 100-150+ points reported by customers within months of financing
• +3 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• CARFAXcoreTechnology or IntegrationVehicle history report provider offering free CARFAX reports on every vehicle at the dealership, and extending this service to customers considering vehicles at other dealerships as well.
• NIADA (National Independent Auto Dealers Association)minorOthersIndustry trade association membership (NIADA member logo displayed) indicating compliance with national standards for independent auto dealers.
• Veritas GlobalcoreTechnology or IntegrationProvider of unlimited mileage protection plans covering major mechanical components including engine, electrical, A/C, cooling, transmission, catalytic converter, and drivetrain. Plans backed by an 'A-' or better rated insurer.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Carvana: Carvana pioneered online used car sales with home delivery and in-house financing, including for non-prime borrowers. It is a disruptive emerging player that overlaps with Integrity's used vehicle and financing value proposition, though without the local in-person credit-building service.
• Vroom: Vroom is an online used car retailer offering vehicle purchase and financing with home delivery. It is an emerging player in the same used vehicle + financing category, though it has historically struggled operationally and serves a more prime-skewed buyer than Integrity.
• Lendbuzz: Lendbuzz is a fintech subprime auto lender using alternative data and machine learning to underwrite credit-challenged borrowers at dealer point-of-sale. It is an emerging player intersecting Integrity's subprime financing niche but operating as a capital provider to dealers rather than as a vertical retailer.
• Roadster (now Steer EV): Roadster was a tech-enabled used car sales platform enabling dealers to run digital retail and financing workflows. As an emerging B2B platform, it overlaps thematically with Integrity's BHPH dealership model by modernizing the dealer-to-consumer car buying and financing experience.

Broad incumbents

• CarMax: CarMax is the largest used car retailer in the U.S., offering no-haggle pricing and third-party financing across hundreds of stores. While it serves a broader credit spectrum than Integrity, it is the most relevant broad incumbent in the used vehicle retail category and competes for a portion of Integrity's inventory and customer pool.
• AutoNation: AutoNation is the largest automotive retailer in the U.S., operating new and used vehicle franchises with captive financing arms. It is a broad incumbent in automotive retail that competes for a portion of the same Oklahoma customer pool though primarily in prime and near-prime credit tiers.
• Lithia Motors: Lithia Motors is a major U.S. automotive retailer with a large used vehicle and financing operation, including the Driveway brand. It is a broad incumbent that overlaps with Integrity's used vehicle and finance offerings across a wider portfolio, including more prime-focused segments.

Others

• Credit Acceptance Corporation: Credit Acceptance Corporation is a publicly traded subprime auto finance provider and is listed as an affiliated financing partner on Integrity's credit application. It shares the subprime auto lending DNA and is a key capital/back-office partner rather than a direct retail competitor.

Direct peers

• DriveTime: DriveTime is the largest dedicated Buy Here Pay Here used car dealer in the U.S., operating hundreds of stores nationwide with in-house financing for subprime borrowers. It is the most directly comparable peer to Integrity's BHPH model, financing structure, and credit-challenged customer focus.
• J.D. Byrider: J.D. Byrider is a franchised BHPH used car dealer network specializing in on-the-lot financing for subprime customers. It shares Integrity's core BHPH model, credit-building focus, and trade-in/upgrading pathways, making it a direct peer in the same niche.

Market position

Strengths4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

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Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Integrity Auto Finance