Regal Car Sales and Credit is a Buy Here Pay Here dealership and that allows us to work with almost anyone in the tri-state area. How do “Buy Here Pay Here” lots work? You’ll find some great benefits to buying from us. We offer in-house financing, which means that when you buy from our lots in Poteau, Columbia, Joplin or Wichita, you make your payments at that lot. We offer our own types of financing, so we can often approve you when others have denied your loan requests in the past. We also offer a variety of payment options available to better suit your unique financial situation.