Express credit auto ripped me off I was fresh out of college with no credit thinking that I was going to place that would help me instead of hurt me. They gave me a intrest rate of 21% that I knew nothing about until I let someone else review my paper work. They had me buying insurance through them and a private insurance place. I didn't know I could use my own until I talked to the insurance lady. It had several recalls and stopped on me like the 2nd month of driving. The air went out in it. And to get anything fixed through them you have to pay $250 plus whatever the maintence is. I tried to get my payments lowered they would not work with me at all. I tried several times to talk to a manager and every time noone would speak to me they would send someone else out. I've suffered paying for a 2009 ford escape and he lied and told me it was a 2010. With over 100, 000 miles. And come to find out after asking for a carfax he told me its never been in a wreck well when I traded it in they would'nt take it because it was wrecked before and they told me it was a one person owner and never been a wreck. they are phony and fake very unprofessional and I am done with Express Credit Auto and to those thats desperate and in need of help like I did don't go there they will not help you.