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Make This Place Your Last Priority, They Will Make You Feel the Same
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

NORMAN, OKLAHOMA -- I had specific needs that needed to be met when looking for a vehicle. Before I even decided to be a customer here again, I had my friend drive me all around the car lot to see if there were any vehicles I didn't want, because knowing from past experience, they'd put me in the worst vehicle on the lot regardless of my down payment. I didn't see any vehicles that looked messed up so I went ahead and got out and went inside.

After giving all of my info I was met outside by a 2006 vehicle that had rust and scratches all over it, the interior was stained and torn up, there wasn't any windshield wipers. I was going to be using my vehicle for work and to give clients rides in, I explained that I needed a vehicle that was at least a 2008 or newer due to my job requirements. The salesman stated he may have another vehicle I could look at, but it'd have to be approved by the manager.

He met me with yet another vehicle that I swear was nowhere to be found upon prior inspection of the car lot. This vehicle smelled like someone had passed away in it and wasn't discovered until weeks later. The smell was so horrible, I could tell they cleaned and shampooed the interior, but the smell... the seats were also full of cigarette burn holes and stains, door handle on the passenger side was barely hanging on and I thought I had seen every car on the lot except for these 2 and the salesman said he "may be able to get me approved" for the stinky car, but other than that those were my 2 options from their lot.

I immediately dialed my friend and told her to hurry and come pick me up. The salesman quickly acted and ran across the lot and brought up a "decent" looking car with black leather interior. The driver's seat was ripped in the seat, but other than that it was decent. I've had issue after issue on keeping this high mileage vehicle in working order. I found out that the car was only worth $3300 if it were in mint /good condition... it was in poor condition at best and I'm being financed for $11,000 for this vehicle.

After making payments on it for well over a year, I called and asked about trading it in for a newer nicer vehicle, one big enough for my husband to use for work and to fit my family and our lifestyle. The man later sent me a text that read, "Ok you can trade it in in 2 more months." Two months pass by and I call again, I was again sent a text that read, "You're real close, but it'll be just a couple more months."

After 2 months I call again and he tells me he had to speak with the manager and would call me back. Never got a callback, so I called after 4 hours later. The man tells me I need to pay $2300 more, which equals another 12 months! The car will be paid for by then. I'm definitely not purchasing another vehicle through this place ever again!!

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StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

MIDWEST CITY, OKLAHOMA -- We bought a car from them. We had it 4 years. We were 4 months short of pay off. They repossessed it saying we were 3 payments behind. It was caught up in late May, they repossessed in June. We figured out how much we paid for a 10k car was almost 20k. We tried several times to trade it in to make our payments lower. Every time we were told we couldn't trade in for a year. A year later we were told the same thing.

My husband went to get the stuff out of the car and one of the guys walked up like he was going to hit my husband until my husband suggested not to do it since he was prior special forces. They had no grounds to repo, and knew the car had been paid for. They just wanted to resell it again. The resale was more than we owed. Which was 3k. And we had been paying on it 4 1/2 years. Our original purchase price was 10k.

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Car Dealership
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

OKLAHOMA CITY, OKLAHOMA -- These people will screw you. I got a car here and literally a month later they towed my car. I had just got it so my paper tag was on and I had not got it renewed yet. They decided to tow it from a neighborhood and sell it. They are awful. We had money to get it back and they wouldn't call us back because of course they wanna sell this car and screw us. They even hid the car completely and wouldn't give us our stuff from inside. They are a bunch of crooks. They will take your money and then take your car and sell it so they make more money. They still won't call me back or tell me where it is to get my stuff. Awful people.

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Do Not Buy Here
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

OKLAHOMA CITY, OKLAHOMA -- First off, I did not have to go to buy here, but I liked the truck. Day after I bought the truck, I went to the warranty shop for repairs. I was treated as if I did not matter. Eight hours there for 2 hours of work, ended up going back 3 more times for total of 24 hrs lost time over 3 weeks before those issues were fixed. I still have a problem, but now they ran the clock out for the time I could get it fixed for free. I'll have to pay a $100.00 unless it's not covered then the cost will be on me.

Next, I provided a declaration or full coverage insurance when I bought the vehicle. Now given I did not catch, or understand that I had to have $500 or less deductible or they would slap me with a CPP insurance policy at $100 a month. They could not be bothered to make a simple phone call to a new customer when they receive the insurance declaration to inform me of the mistake to help the customer avoid extra cost, and even though I had full coverage, the waited till my first payment was due and had already put it on, for me to find out when making 1st payment.

I tried talking to both their insurance department, sales department, with the same smug attitude, treated like trash. The correct action was to call me during the first week so I could have it fixed and avoid the $100. But what I have gotten is, "I can't help you, if you don't pay we will disable your vehicle!" But you can believe they had no issue picking up the phone to threaten me, insisting I pay!!! And they waited till closing time on a Friday to call, so I would be unable to go in to talk to someone, I was told I could speak to someone Saturday so after a sleepless night I did go in, just to be told there was no one to speak to, so lied to again.

So to avoid my vehicle being disabled I paid. Now, 1) they are charging twice the value for the vehicles, 2) taking advantage of folks that have weaker credit and charging loan shark interest so getting double there too. I have not had 1 full day of being able to enjoy my vehicle, since day 2 of buying it it's been downhill. As I told my salesman your company sure knows how to wipe the smile and happy feeling right out of the customer!!! I would not recommend this company to anyone. As soon as you sign the contract, you become dirt to them and everyone I have had contact with outside of my salesman, has a very poor and rude and unhelpful attitude.

They all should have to take classes to learn how to treat, help and retain customers. I have thought long and hard about this and have decided, the sooner I separate myself from this company, the better I will be. I have no doubt I can go elsewhere and get another vehicle and they can have theirs back, given they only understand money, maybe if it happens enough, and enough stop dealing with them, maybe the owners will wake up and do something. I'm sure they are losing a lot of return business for these reasons.

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They Think They Own You
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

OKLAHOMA CITY, OKLAHOMA -- In September 2013, I had a car repossessed due to bad choices on my part. Knowing full and well I couldn't finance another car through a reputable source, I went to ECA and purchased a 2007 Toyota Yaris for $9,996.00. My payment was $300.00 a month ($149.00/biweekly), and I was told that the reason the car was so high in price was due to the warranty.

After having my car for less than 30 days, the blower in the AC/heat went out. The warranty department fixed it for free, but dealing with the warranty department was a huge pain. You have to drop off your vehicle and be without a car for at least a day, which is terrible if you only have one car in the family. I had belt problems that always squealed when the weather was cool or moist, and I took it to ECA Warranty three separate times to have it fixed. I also had a mechanism in the fuel system leave me stranded on the side of the road once, and had to pay the $100.00 deductible to have it fixed through their warranty.

They put a GPS tracker in the vehicle, along with a kill switch. I was dedicated to never being behind on my car payments, so they were always withdrawn the same day I got paid so the money would always be there. One day, I stepped out of work to go to lunch and my car was dead. Originally I thought it was the battery, but I called ECA anyway to see if it had been shut off on their end. When I talked to her, I asked if, for some reason, my last payment hadn't gone through (even though it showed up on my bank statement) and she said, "Yeah, but we just had a glitch so it shut down your car."

I asked why I hadn't been notified earlier about the glitch, and she said, "Well, you know now." So basically, even though I'd made every payment and never been at all late, my car was deactivated. I called back later and asked to speak to the manager, and I was rebuffed and told that I had no reason to complain because my car was back on.

I talked to my bank and they agreed to refinance my auto loan at a much lower rate (I went from 23% to 8.49, which is wonderful for someone with a discharged Ch. 7). I called and asked for a payout, which was faxed to me. I was sick that week, so I never made it to the bank and another car payment went through. The next week, I called again requesting an updated 10 day payout. He started to verbally tell me the payout, and when I asked for a written payout, he rudely refused. I said, "I have a payout that was faxed to me two weeks ago, I don't understand why I can't get an updated payout," and he said, "Whoever sent you that shouldn't have, I can't send you another one."

I asked how I was supposed to give my bank the information when they needed it in written form, and he said, "Uh, you just use the old one?" in a very condescending manner. I told him the old one was no longer accurate in terms of my balance, and he said that wasn't his problem. So I got frustrated and hung up. He called me back shortly and told me that even though it wasn't his problem, he would email me my payout "just this once". Finally, I got the stupid thing in writing.

Today, I called their finance office to see about dropping off the check for the full amount. They told me to drop it off at the branch from which I bought the car. My loan manager at my bank then did so at 11:30 a.m. I called ECA at 1:00 p.m. to make sure the check had been received, and was told that the check was supposed to be dropped off at their headquarters, which is across town.

No one told me this information before that phone call. I have a car payment scheduled to be auto withdrawn this Saturday, and I was told it would take 3 days to cancel the auto withdrawal feature. I asked them if I would receive a refund for the $149.00, since that payment would technically be an overpayment once the bank's check is processed, and she said, "Maybe."

Overall, I knew what I was getting into when buying a car from them. They Target a very shady demographic of people that are bad with money, so it makes sense to overcharge so they aren't losing money. That being said, I had a naive thought that they would treat me with respect because I pay my bill on time, I keep insurance on my car, and I give them no issues. Never have I been late on a payment, never have I let my insurance lapse, and never have I done anything to warrant being treated with a lack of respect.

Despite all of this, I still got to experience having my car deactivated due to a "glitch". Imagine trying your hardest to pay all your bills on time and be a perfect consumer and being punished by your car not turning on. I was at work, my car wouldn't start, and I was horrified people would think it was because I was irresponsible. There is no reason for ECA to have such terrible customer service. There is no reason why people that are following the rules should be made to feel so small and humiliated.

If you are in the terrible position of buying a car from them, hear me now: finance with them, then try your hardest to get the loan refinanced somewhere else. They will treat you like crap once they realize you won't be giving them that 18-23% anymore, but you will be free.

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BEST CAR-BUYING EXPERIENCE
StarStarStarStarStarBy -
Rating: 5/51

MIDWEST CITY, OKLAHOMA -- When I first contacted ECA, I was skeptical as I have had many bad car-buying experiences. This one, however, had made a VERY lasting effect. Kellie was our salesperson and, although VERY new to the job and the car salesperson industry, I wouldn't have chosen anybody else at the Midwest City, OK ECA location to help my fiancée and I choose a vehicle to buy.

She was VERY helpful. She made all the right pushes to get the financing for us, made sure we liked the vehicles we qualified for (as first time buyers our options were limited), asked us if we'd prefer a car from a different ECA lot (which we did not), and was thorough in the loan signing paperwork and explanation of what was in the paperwork. Overall, we spent 10 hours with Kellie, and even called her personal cell phone at 7am the day we were ready to trade in our hunk of junk car (10/16/2015) and told her we would be coming back in to finish paperwork and leave with a car.

My fiancée and I were highly impressed with her customer service skills and her honesty, which are both hard to find in the car sales industry. The manager of this ECA location, Matt, was also VERY helpful and VERY patient with us and with his new employee (our salesperson), Kellie. He made sure he got us financed and in a car. Before test driving the 2006 Dodge Caravan we took home that day, the gas light came on upon starting it and Kellie and the lot porter immediately jumped to action to make sure it was, in fact, OUT OF GAS (Which it was ONLY out of gas!).

The lot porter put gas enough (OUT OF HIS OWN POCKET MONEY!) in the vehicle for our test drive and we were very impressed with this young man. Before we drove off the lot, the lot porter put air in the tires, checked and topped off all the fluids, and vacuumed the carpets. To put the icing on the cake, Kellie gave my fiancée and I a crisp $20 bill for gas (OUT OF HER OWN POCKET MONEY!!) due to the gas station across the street not accepting debit cards. If I could rate this experience 5 million stars, I WOULD!

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Bad Customer Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

OKLAHOMA CITY, OKLAHOMA -- This is the worst company I ever felt with. They give you no customer service, you get a runaround, no one knows anything. They shut off your car every time they screw up and when you have to fix what they screw up you have to wait to get your car turned on after they turn it off for not doing their job right. You have to pay for ONSTAR that they have on all their cars. They add it to your car payments but you cannot use the service if you need it.

It's a service they make you pay so they can turn your car off for stupid reasons and make you pay $66.00 to them for a service you are paying for, for them to turn your car back on after mistakes they create. You have no choice, you pay them or you lose your car. They have no one available to solve problems just untrained customer service people who haven't a clue.

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They Are Liars
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

NORMAN, OKLAHOMA -- Well from the other reviews I read on here it sounds like I dodged a bullet. I was checking out the inventory online and I found a red Mustang in Midwest City that I liked. So I asked for a quote. Someone from Norman contacted me about a blue Mustang with lower miles and I was ok with that. It sounded like a better deal. I filled out the application online and a guy from their financing department called me to verify some things.

Not long after that the guy from Norman calls me to tell me that I'm approved. I told him that I only had $100 to put down and he said he could work with that. (By the way, Norman is way out of my way and I had to find a ride down there because I don't have a car.) So I get to Norman and I had to fill out the application again because the guy didn't have it and suddenly, because I haven't been at my job very long I have to put down a $500 down payment and it can't be on the blue Mustang. When I confronted him about what he told me on the phone he was like "oh no I wouldn't have said that". I got up and said "forget about it" and walked out. Don't waste your time with these people.

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Do Not Buy From Express Credit Rip Off
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

OKLAHOMA CITY, OKLAHOMA -- I made a payment on my truck for three years. I changed my insurance company and believe my old insurance notified Express Credit. When I went in to make my payment, the cashier told me I owe an additional $47.00 because my insurance lapsed.

I told her my insurance has not lapsed and I have insurance. She gave me a card and told me to have my insurance fax my insurance declaration to the information on the card. I did that and my insurance company faxed them the information. I was told if I had insurance coverage from the date in question, I will not have to pay the additional $47.00. So, why was my truck turned off by these mobsters after I provided proof? Why did I have to pay the $47.00?

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Worst Experience Ever
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

SW OKC, OKLAHOMA -- First of all I have decent credit I just figured id check it out after seeing the commercial on TV. I got approved for 13999. I picked out a 2010 Pontiac g6. It had 124, 000 miles on it and they wanted 14000 for the piece. Then they tried to humiliate me behind my back saying I don't have any money and I'm just trying to basically rent the car from them. So I whipped out $2000 cash and told them I make more money than they do and never assume someone has no money because the way they dress and their age.

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Express Credit Auto Rating:
Star Half star Empty star Empty star Empty star
1.3 out of 5, based on 12 ratings and
15 reviews & complaints.
Contact Information:
Express Credit Auto
9014 S.E. 29th
Midwest City, OK 73150
855-339-3350 (ph)
www.expresscreditauto.com
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