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. read more

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I will NEVER do business with this company again. I got a car with them 2 years ago on a 5 year loan. My husband at the time co-signed with me. I was told as long as full coverage insurance was on the car I would not get charged a $60 collateral insurance charge. Fast forward to this year... husband and I divorced. He moved out and had to be removed from my insurance as he doesn't live with me any more. This company asked me to send my next year's coverage to prove that full coverage is still on the car. The MOMENT they saw my husband's name was no longer on the insurance they tracked on the $60 fee. No warning causing me to have to make only a partial payment this pay period. They state that even though I am carrying full coverage on the car, they are still going to charge the collateral fee because my ex is not listed as a driver or insured! THEY DID NOT INFORM ME THAT WE BOTH HAD TO BE ON THE POLICY, THEY JUST STATED FULL COVERAGE INSURANCE HAD TO BE ON THE CAR. Their employee that sold me this car did not tell me this and me believing what was said did not read the fine print in their contact. They will not accept my divorce decree that states I am now the sole owner as awarded by the courts and refuse to remove the fee. This is a shady company!!!!!!!!! read more

Express credit auto is the worse mistake I've ever made. I pay 500 a month for a 2015 terrain. I've had it two years plus. They've had to put in a new transmission so far. It makes noise after they put it in. I told them. You have to go through bullshit to get looked at. I still owe over 17000 after 2 years. The Blue book value is 3000. The screwed me with no lubricant. I was desperate for a car. I would not recommend express credit auto to anyone. It's a rip off! read more

I recently had the experience of breaking down on the highway. My old 2004 truck died with engine trouble and a transmission that was going out. Facing 5 K in repairs I decided it was time for another car. Getting a loan was daunting but I tried Express Credit Auto. The sales process was no less or more painful than any place else. I will say the sales guy worked hard to get a loan approved. I appreciate that. I chose a 2012 Ford Fiesta. It was in good shape with about 130 K on it. The price was 1 and a half book value. The loan was high percentage but less than 20. I accepted this due to my individual situation. I do think I got an almost reasonable deal considering it came with a 3 year/36K warranty. For a $100 deductible pretty much everything that would make it stop moving was covered including THANKFULLY the air conditioning. Less than 1 week after purchase the A/C broke. They fixed it, without charge. Less than 2 weeks after that it broke again. It was the compressor they installed (defective). They repaired it again, without charge. The service center Rep Rhonda did a good job for me. My only complaint about the service department is that the hours are very inconvenient. They are open only 8:30 to 5:30 Monday to Friday . It is Hard to work a 8-5 job and drop off and pick up your car without taking time off work. read more

Never buy a car from here! I purchased a vehicle from them and in the 8 months I had it, it sat in their shop more than I got to drive it. After the FOURTH time being in the shop for THE SAME issue they refused to give me any other options other than to just "let them fix it". Never ever buy a car from here unless you want to screwed over just like I was. They never even offered to push back payments until I could at least drive it, I was paying over $500 a month for a vehicle that was not driveable. read more

Salesman Mark was great and helped me out with all of my needs. The car was what I wanted and they listened to exactly what I wanted and needed. read more

SO I recently paid off my vehicle. When I bought it there was two key fobs, I KNOW THERE WAS TWO. They kept one, now that it is paid off. they can not locate my second key fob. So I am worried someone from this place has my key fob. My car ever gets stolen, We know who did it? I am very displeased with this group. I do not recommend this place!!! Someone at this place has my second key fob! read more

Do not recommend. Originally I was pleased however I have been trying to pay my car payment for a week and our account manager has told us that their systems are down and he would call us back when we could complete the transaction. He said not to worry he credited the account- we are good. Well a week later and a few more calls where we received the same message and now our car is shut off (remotely disconnected). I brought my family out for family fun day day- I mean after all we are good, right!?! And now I'm stranded in another town with my kids because they shut it off on a day that they are closed and there isn't a soul to help me. If it wasn't too late for me I'd take it back and tell them to shove it where the sun don't shine. For the love of Pete save yourself and DONT BUY HERE!!! read more

This place is full of it. I was on my second car from them, the transmission went out on the first right at 3 years of having it (800 miles over their in house warranty) so they gave me a deal on getting a replacement and it would settle the account of the first car. Had to return the second car because I couldn't afford the $520 a month on a 2013 car since the insurance requirements were so strict making that an extra $300 per month ($820 a month on a 12 year old car?!). I got a letter after they had possession of the car, that they accepted it as full satisfaction of all debts and interests, and that I no longer owe them anything for the car, it would only show on my credit as repossession (which I get, fine by me). To my surprise, I get a certified letter in the mail yesterday saying I owe them a $7,400 difference from them selling it at an auction and not making the full money of my contract amount, plus some extra bullshit fees! I'm still currently fighting this situation, so I'll update later when I have more answers. But this company loves to prey on broke people with no other options, then turn around and dig even further into their pockets when they're at their lowest and going back on their own words. On top of it all, while you're paying for your vehicle from them, there's a starter shutoff device attached, and they'll turn it off even if your payments are on time! I got stranded 4 hours away from home because they turned it off 5 minutes before closing on a Friday, and they're closed on weekends and no one could get it back on before Monday! These place does horrible business and deserves to be shut down. They make themselves look great and helpful, but they're really just one big scam. read more

TERRIBLE. DO NOT BUY FROM HERE. I bought a car from here, a 2015 Nissan Sentra. car had roughly 94,500 miles on it, not even 5k miles later the trans blew. I was told I would get a rental when buying my car if there was an issue like engine or transmission replacement and when I call to get one they say I have to be 21! My car has had nothing but issues since i've bought it, from the transmission going out, radio being messed up, suspension issues right off the lot. They will manipulate and lie straight to your face. My vehicle was sold to me for 14,999 with my downpayment of 1,000 and the car blue books at 3,500. pathetic. they will squeeze and amount of money out of you if possible. I am forced to pay $280 every 2 weeks- $560 a month!! for an 8 year old car!!! ridiculous. Go to another dealership to buy a vehicle. read more

My overall buying experience we great my salesman was amazing super nice they worked with us in every way possible to get us in a car. Unfortunately the can we purchased broke down a month later but it had a warranty on the part so no big deal other than that all around good service and the service department is nice. Have the car back now and it's running ok. read more

Second time that I've purchased a vehicle from Express Credit Auto Group. My first car was just fine, no problems, this is why I went back there. I purchased a $20,000 vehicle this time with what the sales person told me were new tires. Tires and clearance were most important since I live 3 miles off the highway. I cannot have "sissy" tires. They sprayed a lot of silicone on the tires to make them pretty. I found out a week later that the tires were purchased over 4 1/2 years ago. I called multiple times to talk to the Manager. No call back. Today at 6:30 am, 1st flat. Because the tires were junk. I finally reached someone, today, and have been given the run around and excuses and "I didn't tell you they were new". Well, yes, they did tell us that they were new tires. I expect them to put new ones on it. I have yet to hear from their corporate office. I am not happy. I have referred people to this group for vehicle purchases. I will not refer anyone else if this isn't resolved. Make it right! I should not leave the lot with a $20,000 vehicle and junk tires! Typical used car sale and then they wonder why people don't like to deal with car salespersons! read more

This dealership is ridiculous! They totaled my car and then repossessed it and are now suing me for the balance. This was during COVID, mind you and I was only working part time and unable to file unemployment. Do NOT deal with them. read more

I'm greatly dissatisfied and disappointed in this business. They do not deserve 1 star. The only reason they were given a 1 star rating is that I cannot post without it. read more

Need larger vehicle ....payments on time for a year ....finance company says no problem but it's up to manager ...who refuses and tells us to go to another dealership...that's exactly what's gonna happen ......two faced people that refuse to help a customer who has paid on time for a year ........I'll continue to send friends and family elsewhere !!!!!.....Place is a joke ...reel you in then screw you over ... read more

Bought a vehicle from them two months ago I have had nothing but problems with their customer service lady at the main office in Oklahoma city is rude I'm very hateful save your money and find a different car lot this place isn't worth it drop my car off this morning to get fixed was there right at 8:30 took somebody 30 minutes to knowledge that I was there so by 9 o'clock the guy came from no where land took my keys so beyond pissed by this time and they still haven't fix my vehicle read more

After being loyal customers for 10 years, we are finished with them. They constantly change the way they do things without notifying the customers. My husband was having trouble with his truck and they said that even though he's had it for more than 2 years now, he still had to pay $7000 before he could trade it in. And it was suggested that he just wreck it to let the insurance pay it off and then he could get another vehicle. He took it to a different dealership and discovered that the truck was wrecked 3 TIMES and express denied that it had ever been wrecked at all. Once we get past the paying for the tags on his new truck, I will be doing the same thing. Tired of hearing "too bad, make your payment or we'll shut your vehicle off" any time we have a problem. Next report is going to the BBB and legal side. Save your money. Don't buy their junk. read more

Buyer Beware!!! This place is horrible! I bought a car took it in to be fixed, only for them to make the issue worse. They had my car a week, and didn't offer a rental. I paid to have the AC fixed only to leave and a block away my check engine light came on, and the AC was blowing hot. I asked them to fix, they refused! I have had to contact the Consumer protection only for them to still deny my car to be fixed. RUNNNNNN! THIS COMPANY IS A SCAM, and not worth you time or money! read more

THIS COMPANY APPARENTLY DOESN'T CARE ABOUT REPEATE BUSINESS THEY WAY THE FINANCE COMPANY SPEAKS TO CUSTOMERS THAT PAY THIER VEHICLES. Really the only and best way to describe this company is as "Bottom Feeders". So during the pandemic my insurance lapsed for a couple of weeks, and they hit me with the "capitol protection" which is supposed to cover the cost of fixing the car if I got into a wreck with no or not enough insurance, so when I could get insurance I just got liability since I was paying for the capitol protection. Since the car was almost paid off I just let it go that way. So I went to make my final car payment they expected me to pay for the capitol protection even though they no longer had a stake in the car it is mine free and clear now. However the "woman" I spoke to in the finance department obviously doesn't care if this company gets any repeat business whatsoever the way she spoke to me. She told me that if I don't pay the capitol protection fee even though they no longer have a stake in this car I will never see my lien release or will never get their device out of my car. Ok I think that device is worth more than the capitol protection fee so ok I am just stepping on it anyway. I think her name was Sharona or something like that. read more

Horrible company to buy a car from!!!!! Won't work with you!! Autoadvantagefinance company doesn't care about you either they hope you lose your car so they can resale it as many times as they can! Super shady! Set you up to fail!!!!!!! Someone needs to file a lawsuit! read more

These are the most crooked people I've ever had the misfortune of dealing with. I had to get a car somewhere, and I get they have to be ruthless to a degree to ensure they are payed. But it's sure exasperating when your car quits because the chip says you are too late. I also appreciate how the prive of the car went from 12 k to 20k due to "fees." If it's at all possible don't buy from these hoodlums. Save up another month or two and but from craigslist...don't buy from them. read more

I highly recommend any one searching for a car to LOOK ELSEWHERE! The finance company that is their affiliate only allows their customers to be 2 days past due before DISABLING THE VEHICLE. And they can repossess the vehicle anytime between 2&10 days past due! FYI most finance companies do not start the repo process until 90 (3 months) past due. When we purchased, we told them that our pay schedule was 1x every 4 weeks and our payment date may fluctuate based on how we are paid by a few days. Never were we told the car would be disabled after 2 days! So now I am looking into finding another finance company to refi my car loan. I don't want to let the car go back since I don't want to be stuck paying payments on a car I don't own, aka payroll garnishment. Buyer Beware! Predatory lender! Current Customer. Current REGRETFUL CUSTOMER of a 2010 Ford Fusion. Do NOT buy from them! Fair warning! read more

I bought my car on April 15, 2020. 3 days later had to return it to get the AC fixed, they kept the car for 4 days. Drove it and noticed the ac was slowly not working. I took it back about a week later. Again AC not working had to replace the condenser and as they were replacing it they broke the mounting brackets for the radiator but told me it was already broke and they were going to fix it. Again kept my car for 4 days. I had to go out of town and the check engine light came on. I brought it back on May 19th and was told that I was past the 30-day coverage and I had to pay $320 to get the intake and other issues fixed. Ok in the month I have owned this car I have had to take it in to get fixed 3 times. I have a recording of the warranty manager telling me I should be thankful that he looked at what was wrong with it. He talked down to me and made me feel he was not listening to me. I was also told by him that cars break down and what did I expect. Well what I expected to was buy a used car that I could have more than 1 month before it broke down. I expected not to have to pay not only for a car payment but to have to keep having to have money on hand to pay to get the thing fixed ever 10 days. I expected to have some kind of service after the sale. These people get you into a crappy car and then walk away. I have to give a small shout out to the ladies working in the warranty department. They have to deal with customers that are mad and upset and they do everything they can to help you even if it's not much. I do not have 1 complaint about them but their boss is rude and has no customer service skills. PLEASE DO NOT BUY FROM THEM. Save your money and go anywhere else but if you do please take the car to your own mechanic and have them look at it. I thought I was buying from good people and a good place to buy a car. I have complained to the sales manager who said it's a warranty problem. I have written an email to the corporate office and have not heard anything from them. This is a scam and they don't care about their customers nor their cars. They sell you cars and they don't stand behind the quality of the cars. Oh they offer a warranty and make you feel that it will cover any issues IT DOES NOT COVER BUT ONLY CERTAIN THINGS. It covers small things but come to find out it won't cover any major things. One other complaint I have is that when you need to take your car in to get fixed they ONLY do first come first serve. So like me right now I didn't have money to get the car fixed I had to limp it home wait for the memorial weekend to pass and bring it back on Tuesday I have to be there before anyone else (hopefully) my car will not get seen until the cars that are already there get fixed and done then anyone else who was in front of me cars gets looked at then my car will get seen. Well maybe, because if they don't have time to see to it, then you have sat outside (office is closed due to the virus) all day for NOTHING and you get to bring your car back and try again the next day. Even though they know that you will be coming in you still have to wait in line. First come first serve. This place is bad. Do not get sucked in save your money and time and go somewhere else. To be fair, the warranty manager did come off half to get the car fixed but I think it was to get the crying woman out of his office and lot. But I still should not have this car break down so much after only 1 month of ownership. read more

I use to like this place until they give me a headache because when I bought the van don't remember what year it was but this was about 5years ago. But they are still attacking me and my credit . They are garnish me still this day for a van that went out on me on the highway the ,callidic convterbal went out. So I couldn't not drive about 20 mile hr. So It took it to the shop and they took along time fixing it and when they finally fix it . By the way they gave me a loner car that does the same thing to be on the highway this time i had my kids in the car . . But anyway I couldn't not get it out the shop because they said they fixed something else on my car and it now cost $700 dollars to get it out. So they fix it on they own, i did not sign anything. They said it was hadezard because i have kids. But all i want is them to do is show me where they fix $600 dollars at . Because i could have took it to my own machines. All i no is I had insurance at the time and all they told me that I needed to pay $100 deductible. And I need to talk to a manager if this reaches you. read more

Express Credit Auto - undefined - Car Dealers Near Me - Tulsa, Oklahoma

Got promise from the salesman I never saw again that weren't kept by the company. Let them have my van back.

Warning !!!!!!!!!!!! Purchased a vehicle about 2 months ago, 2 weeks ago the check engine light came on. I went to the dealership and was told at that point it would be 2 wees before they would even look at my vehicle. However, they were not even accepting any vehicles for repair at this time, and I could take it to an auto parts store to have them diagnose the problem. Extremely disappointed I left and did go straight to an AutoZone where they immediately came out and ran the code. I decided I was going to go back to the dealership and discuss my options. A week later I went back and spoke to the same lady who now said it would be at least 1 - 2 weeks before they would even diagnose the issue which again AutoZone was able to do immediately. Yes, I am aware running a code is not a true diagnosis, but it is a great start to see if the issue is a major / minor. I asked if I could make an appointment which I was told no I would just need to leave my vehicle until they could get to it. I asked to speak to the warranty manager and was given to a gentleman named Mike. His customer service was horrible and was told because on average 30% of appointment do not show up, we do not make appointments. I asked about a waiting list or to be called when they had availability, again was told we do not do this. So, I asked what are my options? He stated either leave the vehicle or go somewhere else and pay for it out of pocket (not covered by my warranty). We buy vehicles because we need them, I understand this is not a Lexus dealership and we are buying used vehicles. However, when you buy a vehicle you expect it to be reliable and not has issues IMMEDIATELY. I am extremely disappointed in Express Credit Auto and would NEVER recommend them! They clearly do not stand by their vehicles and the Warranty department has 0 customer service. read more

This place is the biggest rip off. They charge twice as much as car is worth and make you buy an extended warranty included in price. I could get the same vehicle somewhere else for half the monthly payment they want. They prey on people with bad credit and think you will pay what ever they want. They wanted 600.00 a month for a vehicle worth 11,000 or so. Shop around this place will take you for everything they can get. read more

Worst place I have ever bought a car...!!! Would never recommend, the customer service experience is horrible!

Agreed that purchasing my vehicle was fast with low money down. Understandably, with bad credit my payments were high. However, dealing with the warranty department, you need to beware - communication is horrendous!!! My car's catalytic converter was covered under warranty and was replaced without problems. When my car broke down a second time, I called the service girl at the Tulsa location and told her my car was broken and she was not helpful and said, "Ok we will look at it at the tech's convenience". She did not give me information on how, when, or where my wrecker was to bring the vehicle. She didn't ask me my name or get any details from me regarding the problem with my car. I actually asked her if she wanted my name. VERY poor communication skills and lack of customer service!! My wrecker actually was the one who called me when he got to the dealership, and said that these people didn't know what was going on. So, I called Gabby back, and she sounded lost. She said she was getting ready to call me but she will call me back to get my information. This was on Thursday... I rented a car to get by through the weekend and on Monday, Gabby called and said that my car was ready. There's was no way it was the battery like the technician said. I told her that too!! She said rudely, 'Well that's what the mechanic said". I wasn't convinced and since they never gathered any information regarding the problem I experienced, then they could have mistaken it for the battery. I knew instantly it was the alternator because I tried jumping my car and it wouldn't stay started. Meanwhile, I talked to the customer service rep, who called me on the same day as my car was ready, because I was 2 days late with my payment. I told her that I would make my payment on Tuesday because Express Credit was repairing my car and I had extra expenses with tow, rental car, and deductible. She said no problem - sorry to hear about your car - I will notate the account that you will make your payment tomorrow. I was dropped off at the dealership with my two small grandchildren (under two years) with a heat index outside of 110....the service girl takes my deductible and says we can't release your vehicle because you're delinquent. I called customer service in OKC and talked to a supervisor who advised me that the service person should have told me when she called me to pick up my vehicle, or the person who set up arrangements should have said something to me. Why didn't someone tell me before I was dropped off at their service door with two babies and no ride back??? It's rude, unprofessional, and unethical as far as a business standpoint. They acted like it was standard policy, which if it was I wouldn't remember after 2 years of owning the car and not be delinquent when I brought my car in for the first repair. Even after battling with the supervisor, she said sorry, I still can't let the vehicle go. There's was no manager that came to speak with me or talk to me about anything!! BUT....here's the kicker, my car stopped working and it needs an alternator..... I wish I could give this car back so I don't have to deal with the unprofessional and unethical service department. read more

truck had hail damage and husband got truck fixed and traded in and there was no note on any paperwork that there was any damage to truck. Received one check but by the time we got truck fixed, check was past use date, requested another check and was told they don't do business that way, just got another check and asked Auto Express to sign off on truck and they said that was 3 years ago and can't sign off unless I bring proof of repair, husband passed away last year and I cannot find paperwork but I know it was fixed and no damage was noted when trade-in for another vehicle yet they will not sign off. Don't believe anything they say, they want proof from me but I traded truck in and nothing was noted as damaged and it was in good condition when traded in. Yes it had more mileage, interior was still good and clean, body was in good shape and no mechanical problems. I made my payments, took care of vehicle, came back and did business with them again (my mistake for sure) but that will not happen again. read more

I have a loan with auto advantage finance which is the finance company for express credit auto. On the 13th of March, I was notified by my bank that I have a restriction on my account, this is the bank account that I use to make payments to Auto Advantage Finance, I immediately contact Auto Advantage Finance in regards of the situation looking to speak with DJ the Finance Account Manager, I was told DJ is not in the office and that he would get back with me at his earliest convenience. I called 5 days before the due date of the payment, just to be proactive on the matter. I also called in 3 times before the due date and all I received is the same answer. I decided to call on the 19th to find out what was going on, and come to find out DJ made a decision not to provide me a deferment and never provided me a call. I request once again to speak with him in regards of this decision and both supervisors Brandy and Robin told me he will not be taking my calls. I wonder what is considered to be an emergency if the bank account that you use to make payment for the vehicle is considered to be restricted, wouldn't that be considered to be an emergency in regards of making the payment? Also I was willing to provide proof on the bank restriction they did not care. I submitted a complaint to the customer care department, and received an email stating that they will get back to me. Earlier that morning I received a call from the Tulsa office and as soon as I picked up the phone the person immediately hung up the phone. Later today I called the customer care department, 405 772 7700 and the representative that pickup the phone was very rude and decided to hang up the phone on me three times. I am very shocked on the way they handle this matter and going forward I would think twice in buying a vehicle from them. They provide great cars and the sales reps in the Tulsa area are amazing and respectful but if an emergency happens then this is the type of stuff you will have to deal with. I've had a lot of bad experiences with Auto Advantage Finance, but on this review, I would run out of space. read more