Buy Here Pay Here Near Midwest City OK

Express Credit Auto is Midwest City's Premier Buy Here Pay Here Car Dealer

About Us

Express Credit Auto is not your typical buy here pay here car dealer. We are locally owned and operated with 5 locations across the state of Oklahoma.  We started our business in 1996 with our first lot in North Oklahoma City. We carefully select every one of our used vehicles with our customers in mind.  We are so confident in those selections that a 3 year/36k mile limited warranty is included with every purchase to protect your investment.

Express Credit Auto vs the other guys

While many Buy Here Pay Here dealers lure customers in with the promise of easy financing and in return provide a low quality, high mileage car for your money.  At Express Credit Auto, we are re-inventing buy here pay here.  Our focus is on buying newer vehicles with lower mileage.  Used cars and trucks that you will be proud to drive home and show to your family and friends.  And also, unlike our competitors, once you drive off of the lot that vehicle is yours.  Most new car stores will promise you a vehicle, let you take it home and then call you days or weeks later demanding more money or asking for the vehicle back which can be embarrassing and heartbreaking.  At Express Credit Auto, when we make a deal there is no going back.  We do not do spot deliveries. 

Unlike other car dealers that sell you the car and you never here from there again, our team in Midwest City is committed to a relationship with you from the day you purchase through the life of your loan.  Our goal is to sell you a vehicle that you truly love, that checks all of the boxes for your wants and needs and keeps you on the road from your first payment to your last. 

Loyalty- Referral Credits to Current Customers

Our business is centered around community and really word of mouth marketing.  We would not have been able to survive 25+ years without a loyal customer base.  Most of our buyers are either repeat customers or their friends and relatives.  For those reasons, unlike other used car lots, we reward that loyalty with referrals credits for all of our current customers that have a friend or family member purchase from us.  Those customers receive a $100 credit towards their car payment as a thank you for your support!

Sales Process

If you are looking for a Used Car, Used Truck, SUV or Minivan in Midwest City look no further.  We have one location in Midwest City located at 9014 SE 29th St. to serve you. The great thing about being in business so long and having 5 locations statewide is that if the vehicle you want is not here in Midwest City but you see it at one of our lots, we will happily get it transferred for you.  Shop in person or online - YOUR CHOICE. We want you to have the best experience possible and that means buying where you are most comfortable at the dealership near you.  Once you are serious about looking, a member of our Midwest City sales team with be assigned to you and that person will help you through the process from start to finish.  No finance people to come in and sell you additional products that you don't need, one person, that knows you, your budget and your wants and needs from test drive to paperwork. Our prices are set, no back and forth negotiating and do not charge processing fees.  The price on the car is what you pay, nothing more.

In-House Financing

We offer fast and easy 'In-House' financing on every vehicle that we sell.  Unique credit situations are our specialty.  Repossessions, bankruptcies, judgements, charge-offs, slow pay, divorce, bad credit, no credit- these are all credit problems that we deal with every day.  Even if you have been turned down in the past, there is a great chance that you qualify for our In-House financing.  A 99% chance to be exact.  We offer flexible terms that are built for your total financial picture (income, job time, residency time and credit score).  We look past FICO scores and take into account everything about you. For those reasons, Express Credit Auto is able to offer financing to a much wider group of customers than a traditional dealer.  Our average interest rate is below the national buy here pay here average at 14.3% with rates as low as 8.98%.  Rates that are comparable to some new car dealers and banks.  We believe in second chances and our Midwest City team wants to work with you to get you approved.


The Express Credit Auto Difference


  • One Midwest City- 5 Statewide locations- hundreds of vehicles to choose from. 
  • Easy Approvals - 99% Approved
  • Our Process is FAST- spend minutes not hours
  • Referral Credits for current customers
  • 3 Yr/36k Mile Limited Warranty included with every purchase
  • Competitive Interest Rates
  • Transparency- from start to finish


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Midwest City Sales


Sales Locations

North Oklahoma City:                 (405) 792-2280

South Oklahoma City:                 (405) 632-0090

Midwest City:                                (405) 455-7773

Norman:                                        (405) 801-4060

Tulsa:                                             (918) 591-2700


Sales 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