Liberal buy here pay here financing
We work with local banks, credit unions, and our own payment plans to get you into a reliable car. It's straightforward, honest, and built for southwest Kansas.
3 reasons buy here pay here works for you
We finance our own cars right here in Liberal. No bank runaround, no surprises—just a simple way to get behind the wheel of a reliable vehicle.
We set the terms
We decide what works for both of us. No third-party lender telling you no.
One payment, one place
You pay us directly every month. Simple, local, and we know your name.
Credit history helps
We report on-time payments to the credit bureaus. It can help you rebuild.
No bank approval needed
If you have a job and can make the payment, we can get you into a car.
Same-day driving
Find a car, sign the papers, and drive it home today. No waiting for approval.
Local help, local cars
We know the roads from Liberal to Perryton. We pick vehicles that hold up.
I'd been turned down by three other lots. M & R worked with me, found a payment I could handle, and I drove home the same day. Honest folks.
James T.
Customer from Liberal, KS
Coming from Hugoton, I didn’t know what to expect. M & R had a good selection, explained everything clearly, and got me approved fast. No games.
Maria G.
Customer from Hugoton, KS
Drove over from Turpin. They had exactly the truck I needed, the buy here pay here option saved me, and they treated me like a neighbor, not a number.
Robert K.
Customer from Turpin, OK
Get approved in a few simple steps
Fill out our quick credit application and we'll match you with the right financing option. You'll get a call back the same day.
Most dealerships don't offer this many options
We work with local banks and credit unions because one lender doesn't fit everyone. You get a real choice on financing, not just what's easiest for us.
Apply for financing and leave with a car that works for you.
Fill out our quick credit application. We work with local banks and offer buy here pay here options for drivers in Liberal, Sublette, Hugoton, and the surrounding area.