Buy Here Pay Here
   with Easy Approvals
   Buy Here Pay Here
   with Easy Approvals
Fast and Easy Approvals - 99% Approved
Refer A Friend Program
3 Year/36K Mile Limited Warranty Included
No Processing Fees
Report to the Credit Bureaus
Competitive Interest Rates
At Express Credit Auto Oklahoma City, we believe that buying a car should be easy, and the financing should be too. That's why we're Oklahoma City's buy here pay here car lot of choice. This unique car-buying experience is perfect for anyone who may have had trouble qualifying for a loan through traditional lenders.
We believe everyone deserves the opportunity to drive off our lot in a quality used car, and buy here pay here makes that possible. Plus, thanks to our competitive prices and wide selection of vehicles, you're sure to find the perfect ride for your needs.
Our goal is for you to know your down payment, know what you can buy and know that you're approved with just one click!
Buy Here Pay Here (BHPH) is a type of in-house auto loan we offer at our car dealership. This means that, unlike most car dealers that work with banks or credit unions to finance a quality used car, we don't rely on third-party lenders to finance your purchase.
Instead, we provide the financing, making it easier for you to get approved and behind the wheel of your new car. We also report to the credit bureaus, so you can build or rebuild your credit as you make your payments on time.
Many benefits come with choosing a buy here pay here dealership when buying a used car. With this type of auto loan, you can:
No matter if you don't have a credit history, we have more flexibility when approving our customers for a car loan because we offer in-house financing. Whether you have bad credit or no credit, we may be able to help you get approved.
The entire buy here pay here process can be completed in as little as 24 hours so that you can get behind the wheel of a pre-owned car much sooner.
As we mentioned, we report your payments to the credit bureaus. So, as long as you make your payments on time, you can use our no-credit-check loan as a way to rebuild your credit history.
Our Oklahoma City used car dealership offers a wide selection of used cars, trucks, and SUVs. No matter what you're looking for, our car lot will surely have your next vehicle.
We offer competitive interest rates on all of our buy here pay here loans, so you can rest assured that you're getting a great deal.
We offer the opportunity to trade your used car for a newer one after you've made a certain number of on-time payments. So, if you want to upgrade to a quality used car, our pay-as-you-go lending may be the perfect option.
At Express Credit Auto, which has been helping Oklahomans since 1996, we reinvent buy here pay here. Our in-house financing program ensures fast approval with simple payments. We understand everyone has different circumstances, so we structure low down payments depending on your unique credit situation.
We believe that everyone who leaves Express Credit Auto should be a happy customer.
There are a few simple reasons why thousands of Oklahomans choose Express Credit Auto for their vehicle needs.
We're a local business for the locals: We've proudly served Oklahoma City, OK since 1996.
Fast processing: With us, your application will take minutes, not hours
It's simple: Our approval process is simple. You can get approved today.
99% approval rate: That's right, 99% of applications are approved
We give you options: You can either start your application process in-store or online. It's entirely up to you.
No processing fees: We don't charge processing fees - what you see is what you pay. We give complete transparency.
You're protected: With Express Credit Auto, you'll automatically get a 3-year or 36 000-mile limited warranty.
If you're looking for an in-house loan for a used car in Oklahoma City, OK, look no further than Express Credit Auto. We offer a wide variety of used cars, trucks, and SUVs, and our in-house financing program makes it easy to get the vehicle you need when you need it.
Contact us here today to learn more about our inventory or financing options! We look forward to helping you get the car you need!
4810 NW 39th StÂ
Oklahoma City, OK 73122
Service Hours
Monday     9:00 am - 7:00 pm.
Tuesday    9:00 am - 7:00 pm.
Wednesday  9:00 am - 7:00 pm.
Thursday    9:00 am - 7:00 pm.
Friday      9:00 am - 7:00 pm.
Saturday    9:00 am - 6:00 pm.
Sunday     Closed
Directions from Downtown OKC:
1 W Interstate 240 Service Rd
Oklahoma City, OK 73139
Service Hours
Monday     9:00 am - 7:00 pm.
Tuesday    9:00 am - 7:00 pm.
Wednesday  9:00 am - 7:00 pm.
Thursday    9:00 am - 7:00 pm.
Friday      9:00 am - 7:00 pm.
Saturday    9:00 am - 6:00 pm.
Sunday     Closed
Directions from Downtown OKC:
Easy Auto Financing = Happy Customers