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MidFirst Bank

1.0 (2 reviews)
Open 8:00 am - 8:00 pm
Updated 1 month ago

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Services - MidFirst Bank

Auto loan

Mortgage services

Personal banking

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Express Credit Auto - A look at the storefront of our buy here pay here Express Credit Auto location in Tulsa, Oklahoma.

Express Credit Auto

(31 reviews)

East Tulsa

I recently had the experience of breaking down on the highway. My old 2004 truck died with engine…read moretrouble 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.

I've waited 2 weeks to post this review to try to calm down enough to remove the emotion. Do not…read morebuy 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.

MidFirst Bank - banks - Updated May 2026

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