Zero bank approvals in liberal. Just good cars and fair financing.
We've been helping southwest Kansas drivers get behind the wheel since 2017. No runaround, no pressure. Just a straight deal and same-day driving.
Most dealers won't tell you this about buy here pay here financing
Buy here pay here means we finance the car ourselves. No bank approval needed. You make payments directly to us, and we report on-time payments to the credit bureaus. It's a simpler way to drive, and it helps you rebuild credit at the same time.
How does the buy here pay here process work?
We keep it simple. Pick a car, fill out the credit application, and drive home the same day. No waiting on bank approval.
Pick your vehicle
Browse our lot in Liberal. We have sedans, trucks, and SUVs ready for a test drive.
Fill out the application
It takes about five minutes. Just your job and income info. No appointment needed.
We call you same day
No long waits. We review your application and give you a call back the same business day.
Drive home today
Get approved and drive a reliable vehicle off our lot the same day. No third-party bank needed.
Pay us directly
You make monthly payments right to M & R Auto Sales. We report on-time payments to credit bureaus.
See the cars on our lot today
We carry a range of reliable sedans, trucks, and SUVs — all inspected before they hit the lot. Come take a look and find the right one for you.
Buy here pay here locations across southwest Kansas
We serve Liberal, Sublette, Hugoton, Satanta, Turpin, and Perryton with the same honest financing and reliable cars that help you get to work.
Simple financing that puts you behind the wheel today
No bank approval needed. You make your payments directly to us — and when you pay on time, we report it to the credit bureaus. It's a straightforward way to get a reliable car and build your credit back up at the same time.
The M & R credit application
It takes about five minutes. We'll call you back the same day with your options. No appointment needed.
5 questions we hear all the time
