car dealer · Tulsa, OK

Express Credit Auto

Express Credit Auto is a buy here pay here dealership in Tulsa offering flexible financing, trade-in options, and a wide selection of vehicles.

4.6(3,897 reviews)Open now · closes 7:00 PM4215 S Memorial Dr, Tulsa, OK 74145

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Express Credit Auto, buy here pay here car dealer in Tulsa, OK

Google rating

4.6 / 5

Reviews

3,897

Hours today

9:00 AM – 7:00 PM

Best for

Buyers in Tulsa looking for flexible financing and used vehicle purchasing options.

About Express Credit Auto

Express Credit Auto is a buy here pay here dealer at 4215 S Memorial Dr in Tulsa, Oklahoma. The dealership specializes in providing used and new-to-you vehicle options for customers seeking flexible financing solutions. Their inventory and financing programs are designed to assist buyers who require alternative credit arrangements to secure a reliable vehicle.

Customers can visit the dealership Monday through Friday from 9:00 AM to 7:00 PM and Saturday from 9:00 AM to 6:00 PM. The team offers assistance with trade-ins and works with buyers to establish manageable payment structures. Express Credit Auto maintains a physical showroom in Tulsa to facilitate test drives and on-site loan approvals.

What financing does Express Credit Auto offer?

  • In-house financing
  • Bad or no credit welcome
  • Reports payments to credit bureaus
  • Warranty offered
  • Trade-ins accepted
  • Low or zero down options

What does Express Credit Auto offer?

  • In-house financing
  • Used vehicle sales
  • Trade-in assistance
  • Vehicle warranties

Why customers choose Express Credit Auto

Helpful and polite staff

Fast financing approval process

  • Located at 4215 S Memorial Dr in Tulsa, Oklahoma
  • Offers in-house financing and vehicle warranties
  • Open six days a week with extended evening hours
  • Accepts trade-ins with or without a down payment

When is Express Credit Auto open?

Monday9:00 AM – 7:00 PM
Tuesday9:00 AM – 7:00 PM
Wednesday9:00 AM – 7:00 PM
Thursday9:00 AM – 7:00 PM
Friday9:00 AM – 7:00 PM
Saturday9:00 AM – 6:00 PM
SundayClosed

Where is Express Credit Auto located?

4215 S Memorial Dr, Tulsa, OK 74145

Open in Google Maps

What do customers say about Express Credit Auto?

5.0sheron0713 months ago

Very awesome people, will work with you and understanding. Reliable and affordable, takes trades with or without dp with still nice options of vehicles. Employees are amazing and comfortable to speak with. They want to help, help you and make your wants/needs happen. They won’t just say no, but give you options/alternatives for everyone to be happy in the end. Best dealership I’ve had, will definitely purchase my next vehicle here, which gives motivation for paying off vehicle, literally expressing your desire of credit. They are not out for money, They want customers to be happy & satisfied, love their humanity. 100% worth it.

5.0Stacy Hartmana month ago

Brittni is absolutely amazing! Highly recommend her if you are looking to get into a new car! She was able to get me into a beautiful car with all of the bells and whistles AND kept me in budget!☺️

5.0Morgan Cooka month ago

Me and my boyfriend came to finance a vehicle and we had a really great experience thanks to Noah who helped us. He was very polite and made sure we had all our questions answered. As well and making sure we were okay during the wait time and getting us waters as well. We left that same day with an amazing car that we love!

5.0Terrie Cooper4 months ago

Highly recommend Express Credit Auto! Mark made the process smooth and simple. I have less than perfect credit, and I was in, had a car test drove and picked out, approved for financing, and on the road in under 3 hours. Will be recommending this place to friends and family from now on!

1.0Kenn Herzler4 months ago

Edit to answer their reply: The facts as I've stated are exactly what happened. I was never late on payments. I've been in contact with my attorney about the situation, and he's assured me that the facts I've presented are 100% accurate. The vehicle WAS repossessed through no fault of mine, with NO communication from the finance company to me (even when I contacted them MULTIPLE times to find out what was going on) OR my attorney. As of this writing, I have also received paperwork indicating that the car will be resold at some point after May 1st. Nice try. ********** I've waited 2 weeks to post this review to try to calm down enough to remove the emotion. Do not buy from ECA. I purchased a 2023 Dodge Charger from them in June of 2025 for $23,999. I put $1,000 down, and made biweekly payments if $320. In March of 2026 I had to file bankruptcy. I had indicated that I wanted to reaffirm the car note, and continue making the payments on it. I was, at no time, behind on the payments. (All but one were paid early) I went in to make a payment on Friday (April 10th), and found I could NOT make the payment because the finance company had "locked" my account. At the direction of the sales manager of the dealer, I called in to the finance company only to be told to call my attorney. The following Wednesday (April 15th), I came out of a business I was doing computer work for to find my vehicle was missing. I called the police, thinking it had been stolen. Turns out, it had been repossessed by ECA/AAF and they refused to let me reaffirm the loan. My attorney verified he'd not received any paperwork for reaffirming the note, and they wouldn't provide such. I've now lost over $12,000 between payments, upgrades to the vehicle, and Tag, Title, and License on a vehicle they are going to resell for probably $28,000-$30,000. (As of this writing, they are selling the same make and model at $30,000) This should be illegal. Very shady business practice to treat a customer who was NEVER late on his payments that way. Do not buy from them.

Questions about Express Credit Auto

Does Express Credit Auto offer in-house financing?

Express Credit Auto provides in-house financing to help customers with various credit backgrounds purchase vehicles.

What are the operating hours for Express Credit Auto in Tulsa?

Express Credit Auto is open Monday through Friday from 9:00 AM to 7:00 PM and Saturday from 9:00 AM to 6:00 PM.

Can I trade in a vehicle at Express Credit Auto?

Express Credit Auto accepts trade-ins as part of the vehicle purchasing process.

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