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    MidFirst Bank

    1.0 (1 review)
    Open 8:00 am - 8:00 pm
    Updated 1 week ago

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    Services - MidFirst Bank

    Personal banking

    Auto loan

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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

    (32 reviews)

    East Tulsa

    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.

    I have made all of my payments on this vehicle for the past three years and have remained current…read morewith my account. My issue is with the PassTime device installed in the vehicle. Express Credit Auto and the PassTime 24/7 service line both told me that there was an issue with the PassTime device. When I brought the vehicle in to be inspected, I was turned away and told, "It's fixed now." However, shortly afterward, I became stranded because the vehicle would not start. I then had the vehicle towed to the warranty department. I was told that the problem was the battery. Before this, I had already taken the vehicle to a mechanic who attempted to jump-start it, but the vehicle still would not start. The mechanic noticed that the vehicle had a PassTime device installed and told me that he did not believe the battery was the problem. He indicated that the issue appeared to be related to a short or electrical problem involving the PassTime device and did not want to work on it. My concern is that I have continued making my payments on this vehicle for the past three years, and I should not be left stranded or have my vehicle rendered unable to start because of a malfunctioning payment-monitoring device. I have already brought the issue to Express Credit Auto's attention and was told it was fixed, but the problem continued. I have reached out to everyone involved and asked for help with this issue, but I have been turned away every time. The warranty department even told me that because I have been making payments on my vehicle for three years, it is technically not considered a warranty issue and that I am not a priority to have my car fixed.

    MidFirst Bank - banks - Updated September 2026

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