One of the advantages of buying a car with Express Credit Auto is knowing who your finance company will be on day one. Unlike most traditional dealerships that shop your loan around and hit your credit with multiple inquiries, Express Credit Auto finances every customer with the same lender. That kind of consistency allows us to build a long-term relationship with both the customer and the finance company so that we can offer the best possible customer service on a more personal level than our competition. It also gives our customers more buying power with 99% approvals and referral credits toward your car payment for existing customers. Both are a part of The Express Credit Auto Difference.

Frequently Asked Questions

How can I make my payment?

We offer 7 convenient ways for you to make your payment.

Over the Phone via our Automated System- pay via debit card over the phone 24/7, call account management and select option #1.

Kiosk- pay in cash or by debit card at any of our 5 Oklahoma sales locations.

Online via REPAY- pay via debit card 24/7 using Make a Payment.

Recurring ACH- set up with an account manager using your debit card or checking/savings account number and never worry about making your payment again. Call account management at (405) 772-7777 and select option #2.

Over the Phone with an Account Manager- pay via debit card during regular business hours, call account management at (405) 772-7777 and select option #2.

Money Gram- pay in person at one of their thousands of locations with this info:

Code: 5368

Your account number

Mail- mail certified funds to the address on the right. No personal checks accepted. Note: This method will take longer to get your payment applied.

How do I get my payoff?

You can view your payoff online via REPAY using Make a Payment. If you are not currently registered, click Make a Payment and follow the instructions to get setup. 

A second option is to email a written request to and Account Management will calculate your payoff and send it back to you.

Where do I send my payoff?

Mail all payoffs to:

Auto Advantage Finance 

PO Box 96329 
Oklahoma City, OK 73143

For faster application to your account, use USPS Priority Express (1-2 day delivery).

How do I get a credit for referring someone to buy a car?

Express Credit Auto rewards our current customers for referring friends or family. Current customers will receive a $100 credit towards their Auto Advantage Finance account for referrals that purchase from Express Credit Auto. Use our Refer A Friend portal to give us the information needed to process the referral. Please allow up to 30 days for the credit to appear on your account.

What if I made my payment and my car is still beeping?

Please contact Account Management during regular business hours at (405) 772-7777. If you just made the payment, it may take a few minutes to stop beeping.

Auto Advantage Finance

Account Management OKC:   (405) 772-7777

Account Management Tulsa:  (918) 591-2750

PO Box 96329 
Oklahoma City, OK 73143


Account Management Hours

  • Monday 8:30 am - 5:30 pm
  • Tuesday 8:30 am - 5:30 pm
  • Wednesday 8:30 am - 5:30 pm
  • Thursday 8:30 am - 5:30 pm
  • Friday 8:30 am - 5:30 pm
  • Saturday 9:00 am - 1:00 pm
  • Sunday Closed