Buy Here Pay Here

      with Easy Approvals

The Express Credit Auto Difference

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

Buy Here Pay Here Oklahoma City Dealership

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!

Get Pre-Approved Now

What is Buy Here Pay Here?

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.

Blue car along the icons and texts on the banner with green grass background 

Benefits of Buy Here Pay Here

Many benefits come with choosing a buy here pay here dealership when buying a used car. With this type of auto loan, you can:

Get approved today, even if you have bad or no credit

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.

Get a low-down payment car quickly and easily

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.

Rebuild your credit

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.

Enjoy a wide selection of high-quality vehicles to choose from

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.

Get a competitive interest rate on your loan

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.

Have the option to trade in your used car for a newer one after making a certain number of on-time payments

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.

Easy Approval

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.

Why Choose Express Credit Auto?

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.

Buy Here Pay Here OKC Car Dealerships

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 St 

Oklahoma City, OK 73122

(405) 792-2280

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. Get on I-235 N from N Walnut Ave.
  2. Continue on I-235 N. Take I-44 to OK-66 W/NW 39th Expressway/U.S. Rt. 66.
  3. Continue on NW 39th Expressway until you reach our Express Credit Auto North OKC location.

1 W Interstate 240 Service Rd

Oklahoma City, OK 73139

(405) 632-0090

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. Get on I-235 S from N Walnut Ave.
  2. Take I-35 S to SE 74th St/E Interstate 240 Service Rd. Take exit 3 from I-240 W/OK-3 W/US-62 W.
  3. Continue on SE 74th St/E Interstate 240 Service Rd until you reach our Express Credit Auto South OKC location.

Check out our other buy here pay here locations in Oklahoma

Easy Auto Financing = Happy Customers