OK Carz

OK Carz sells used cars, trucks, SUVs and minivans from brands including Toyota, Honda, Ford, Chevrolet, Hyundai and Kia. Its specialty is buy here pay here financing, which the company calls Buy Here Pay Anywhere, with loans run through MidFlorida Financing. Each vehicle goes through reconditioning and a two-stage inspection that includes road testing, and it carries a 24-month/24,000-mile powertrain warranty.

To qualify, buyers need current Florida residency documents, a valid U.S. driver's license and proof of income, and qualified buyers can start with a $499 down payment. Payments can be made through the online customer portal, at Walmart or Amscot locations, by mail or by phone. After 12 months of timely payments, a buyer may qualify for the Conquest Program. The Lakeland location is at 1200 West Memorial Boulevard, and the company has other locations around Central Florida.