Business Details
30 Years
experience
Trusted Buy Here Pay Here Dealership in Oklahoma City
Express Credit Auto, operational since 1996, specializes in accessible buy here pay here (BHPH) auto financing for Oklahoma residents. Our approach prioritizes fast approvals without processing fees, tailored down payments, and competitive interest rates. We offer a curated selection of 500+ used vehicles with lower mileage and newer models, emphasizing transparency, customer education, and financial empowerment. Our dedicated team ensures personalized financing solutions for diverse credit situations through in-house expertise, eliminating reliance on third-party lenders.Every purchase includes a 3-year/36,000-mile limited warranty, reflecting our commitment to quality and long-term customer relationships. As a locally owned business, we report payments to credit bureaus to help clients build credit while maintaining accountability for continuous service improvement based on client feedback.
Services
Used Car Sales
Buy Here Pay Here Financing
Pre-Approval Process
Credit Rebuilding
Vehicle Trade-Up Program
Details
- Year established: 1996
Highlights and features
- Operated locally since 1996 with industry expertise
- 99% approval rate on customer applications
- 3-year/36,000-mile limited warranty included
- Competitive rates below national BHPH averages
- Payments reported to major credit bureaus
What people say
99% approval rate
3-year warranty
Competitive rates
Credit rebuilding support
No processing fees
Services
Used Car Sales
Offering 500+ certified pre-owned vehicles with lower mileage and newer models. All vehicles undergo quality assessments to ensure reliability and performance. Inventory includes diverse makes, models, and body types to match various lifestyles and budgets.
Buy Here Pay Here Financing
Specialized financing program with approvals for bad credit, no credit, or limited credit histories. Eliminates third-party lender requirements through direct dealership financing. Payments reported to TransUnion and Equifax for credit rebuilding purposes.
Vehicle Trade-Up Program
Enables customers to upgrade vehicles after demonstrating payment history. Offers pathway to newer models through structured trade-in agreements. Supports long-term vehicle ownership progression without reapplication requirements.
Pre-Approval Process
Streamlined application system with same-day approval decisions. Available through online or in-store submission. Provides immediate clarity on spending limits and vehicle selection parameters.
Credit Rebuilding Support
Monitors payment history and reports to major credit bureaus. Designed to help clients improve credit scores through consistent payment behavior. Includes educational resources about credit management and financial responsibility.
Questions
What down payment amounts do you require?
Down payments range from $200 to $2,500 based on individual credit assessments, with no fixed per-vehicle requirements.
Do you accept customers with bad credit?
Yes, we specialize in financing for bad credit and no credit histories with a 99% approval rate on applications.
How can I rebuild credit through your dealership?
We report all payments to TransUnion and Equifax, helping customers build credit history through consistent payment behavior.
Do you offer warranties on vehicles?
Every purchase includes a standard 3-year/36,000-mile limited warranty at no additional cost.
Can I check inventory before applying?
Pre-approval is required to access vehicle selection criteria, ensuring transparency about qualifying options.
What documents are needed for approval?
Current driver's license, proof of income (pay stubs or bank statements), and proof of address are required for processing.
Videos
Reviews (4)
Patrick Craig
Jun 25, 2022
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George made our buying experience very enjoyable. He helped us find the right car for our needs. We most definitely will be buying our next vehicle from them. Thanks again George.
Gabrielle Morris
Jun 12, 2022
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Got my car here almost 2 years ago very easy to get approved and did take long to get approved told them how much we had to put down and what we was looking for
Alexis Jackson
May 26, 2022
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Slow process lots of open desk and no workers. George (he was new) was nice though. I sent in the paperwork they asked for and never got a response otherwise it was okay
Chuck Mayo
May 23, 2022
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Junior was very helpful finding me a truck went way out of his way in getting me in a truck I would recommend asking for him very good person in what he does thank you Junior for all your help
