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About Us

Tulsa Lot Front

Regal Car Sales and Credit is a reputable dealer with 30 years in the used car business. Our headquarters are in Tulsa with eleven locations across Oklahoma, one in Wichita Kansas, and three in Missouri.

We could not have grown without a lot of satisfied customers. That's why they come back when they need a new car, it's why they send their friends and family to Regal. Referrals and repeat buyers make up a large portion of our business.

Regal’s Mission: We are committed to excellence, and we will exceed our customers’ expectations at every opportunity in every part of our company. This encourages our customers to return to our company and share their experiences with others. We will create a corporate culture by treating our customers and business associates as we would a friend.

We are members with good standing in: The State Chamber, Oklahoma Association of Business & Industry; Oklahoma, Missouri and National Independent Automobile Dealers Associations; Local Better Business Bureaus and Chamber of Commerce in Lawton, Muskogee, Oklahoma City, Grove, Okmulgee, Sapulpa, Poteau, Springfield, Stillwater, Tulsa Metro, Joplin, Springfield, Columbia, and Wichita.

Experience the "Regal Difference"

At Regal Car Sales and Credit, we are up front in our dealings. We want our customers to have all the information in writing that they need about their purchase transaction and related company policies. We don't want to sell our customers a car; we want to help them buy the car they want and can afford. We want to have a vehicle for every customer.

Two words: Customer Satisfaction

Our growth is a direct result of satisfied customers. Many of our customers have bought several cars from us over the years. They send their friends and family to Regal because they know we will help them buy the car they need. Regal Car Sales and Credit has helped thousands get the vehicle and financing they deserve. To begin with, we buy better cars. Every vehicle at Regal Car Sales is inspected prior to sale and covered by our 12-Month or 12,000-Mile Limited Warranty. We finance what we sell.

"Many get into the business to exploit it; we got in it to service it."

Bob Mulkey, Owner
Regal Cars Sales and Credit

The Buy Here Pay Here ABCs

A lot of people, especially in today’s economy, are turning to Buy Here Pay Here dealerships because they can get easier financing with less hassle with sales people, and generally just need a dependable car or truck that will run well to get from work to home. There is a lot of confusion out there on the difference between BHPH and new car dealers so here are some Buy Here Pay Here basics.

What is “Buy Here, Pay Here Financing”?

Getting financed at a BHPH dealership means that you are arranging a loan through you and the BHPH car lot. You make payments at the car lot where you purchased the vehicle. Basically, it is referred to as “In-House Financing” versus getting financed at a bank through a new car dealership.

For example, at Regal Car Sales, we will set you up on a weekly or bi-weekly payment plan instead of the traditional month-to-month plan.

Differences Between the Regal Car Sales “Buy Here Pay Here” and Traditional New Car Dealerships

When you visit Regal, we will sit down and figure out how much you can finance. Once we have that figure, we will then walk out to the car lot and show you the options for which you qualify. There is no pressure to put you in a vehicle you can’t afford.

At traditional new dealerships, you pick the car you want and get financed through a third-party lender. Usually, you know how much you are financed for before you even step foot on the lot. Then you get pressured by the salesmen because they have quotas and other incentives that put more money in their pockets.

Another difference is that we are selling a company brand. When Regal sells a used vehicle, we are not selling you a Ford or a Chevy, we are selling Regal. Therefore our vehicles go through detailed quality checks to make sure the vehicle is in good working order to sell to our customers. New car dealerships represent brands of car makers.

Benefits Of Shopping At Regal Car Sales Buy Here Pay Here Car Lots

  • Building credit is a huge concern to most of our customers. A lot of times, the reason they come to us is because they can’t get financed from a traditional car dealership. Life happens, that is why we are here. We report to credit bureaus just like car dealerships. The ultimate goal is to get you back on your feet financially.
  • Getting financed is much easier at BHPH dealerships. It helps our customers get that much needed vehicle instead of all the hassle of banks and new car dealership incentives. Usually the process of buying a car at Regal is less than an hour.