Blue icons and texts on white background banner 

Why Finance with Express Credit Auto?

Here's why you should trust Express Credit Auto with financing your next vehicle:

  • Our Process is FAST - spend minutes not hours

  • Financing is EASY - 99% approval rates

  • You have OPTIONS - start the process online or in the store. YOU CHOOSE

  • It's TRANSPARENT - we do not charge processing fees. Our listed price is what you pay, nothing more.

  • You're PROTECTED - a 3 year/36,000 mile limited warranty is included with every purchase

  • We're LOCAL - proudly serving Oklahomans since 1996.

  • Referral Credits - refer friends/family that also purchase from us and get a $100 credit applied towards your account

  • Competitive Interest Rates - interest rates lower than national buy here pay averages and comparable to many new car stores. Average current rate 14.3% with rates as low as 8.98%

You have simple basic questions that you want answers to and we are here to give them to you.

  • How much do I have to put down?
    Our low down payments range from $200 - $2500 for qualified customers. Unlike our competitors, our down payments are not set per vehicle. They are customized to YOU and your unique credit situation.

  • Will you approve me?
    We have an easy pre-approval process with 99% approval rates.

  • How do I get Pre-Approved?
    Click on the Get Pre-Approved links throughout the website, answer a few simple questions and then Submit the Required Documents.  A member of our staff will process your application and someone will reach out to you as soon as it is complete.

  • What do I need to bring with me to the dealership?

    • Current Driver's License

    • Proof of Income (Most recent Pay Stub, SSI Declaration Page, Last 3 months bank statements, etc.)

    • Proof of Current Address (Utility Bill, Phone Bill, Bank Statement, Etc.)

  • What vehicles can I choose from?
    Get Pre-Approved and you will know exactly which of our 500+ vehicles that you qualify for.

Personalized financing for ALL CREDIT SITUATIONS

We will help you find the vehicle that is right for your lifestyle and budget.

3 yr/36K mile limited warranty included with every purchase

Online payment options after the sale.

5 locations across Oklahoma to serve you better.

We report to the credit bureaus: Transunion and Equifax

To us this is a relationship for the long term, not just until you drive off of the lot and that is what has kept us in business since 1996.

Express Credit Auto is Oklahoma's premier Buy Here Pay Here Car Dealer.  We offer easy financing and fast approvals for customers with good credit, bad credit or no credit at all.  Unlike our competitors, our affordable, low down payments are based on your unique credit situation, not the car that you are buying. We pride ourselves on having the best selection of used cars and trucks in Oklahoma City- NEWER CARS, LOWER MILEAGE. We are Oklahoma owned and operated since 1996, servicing Oklahoma City, Tulsa, Midwest City, Norman, Edmond, Broken Arrow, Lawton and surrounding areas.

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

Auto Advantage Finance

Account Management OKC:     (405) 772-7777

Account Management Tulsa:    (918) 591-2750

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