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This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.

Auto Credit Express Review

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Est. APR
2.34-20.58%
Max loan
$45,000
Months term
12-72

Auto Credit Express is a web platform that assists consumers with bad credit, no credit, or previous bankruptcies in locating suitable auto financing solutions. This organization matches borrowers to acceptable lenders and dealerships, including dealers who accept trade-ins and offer leasing programs, through a network of over 1,000 dealers. On its website, there are also credit tools and resources. This marketplace for auto loans makes it simple to compare and get the cheapest auto loan rates, regardless of your credit score.

Auto Credit Express Loan Types and Terms

Car Loan types Bad Credit, Bankruptcy Auto Loans, Auto Loans & Leasing, Special Financing
Loan amount $3,500 – $45,000
Repayment terms 12 – 72 months
APR 2.34-20.58%
Minimum credit score 300
Lender type Marketplace
Good for Bad credit score, finding reputable lenders, any credit history

 

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Auto Credit Express is Good For

  • Bad credit score
  • Finding reputable lenders
  • Any credit history
  • Comparison shopping

Auto Credit Express Pros

  • Multiple lending options are advantageous.
  • Network of national lenders
  • It’s fine if you have bad credit.
  • Application is simple and quick.
  • Only 6 months of work experience is required.

Auto Credit Express Cons

  • Loan rates are determined by the lender.
  • Dealerships in the network must be used.
  • High-interest rates are a possibility.
  • Calls from a lender

Application Process

Auto Credit Express’ application procedure is straightforward. To submit your information, simply fill out an online application form, which is always processed securely. You can get a quick response with your auto loan financing rates. You are under no obligation to sign up for the loan until you submit the form and receive a response with rates online. This stage does not include a rigorous credit check, thus your credit score will not be affected.

You will be asked to supply details such as your:

  • Name
  • Address of Current Residence
  • Date of Birth
  • Social Security Number
  • Monthly Income
  • Employment Details
  • Contact Information

Once you have been pre-qualified and chosen a local dealer to work with, the real work begins.

Details direct lenders will ask for:

  • W-2 Forms with Photo Identification
  • Returns on Taxation
  • Statements of Account
  • Stubs of Pay
  • Insurance Documentation
  • Proof of Address
  • Active Phone Number

Within 24 hours of applying, you may learn if you are qualified. Using the information you provide, Auto Credit Express can help connect you with a local new or used car dealer or lender. If a match is found, you will be contacted by a local dealership to select a vehicle, complete the necessary paperwork, and complete the process.

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Terms & Requirements

Getting a car loan from Auto Credit Express comes with a variety of requirements:

Car Loan Requirements

The requirements for being considered for a loan are:

  • You must be at least 18 years old,
  • You must be a current resident of the US or Canada
  • You must be fully Employed or able to prove a guaranteed fixed income of at least $1,500 per month at the least.

Although the company does not specify a minimum credit score, it specializes in helping people with bad credit scores find dealers to work with although borrowers with really low credit scores can find loans with really high fees.

The amount you can borrow is not determined by Auto Credit Express. Lenders examine your credit, income, and debt-to-income ratio to determine this. The worse your credit score, the less the loan amount you’ll be approved for and the higher your interest rate will almost certainly be. Your debt-to-income ratio also tells lenders how much you can borrow and how much you can pay back each month.

Car Loan Terms

Car Loan Terms are not something you can look into with Auto Credit Express, as the company itself hardly offers any. They act as a middleman between car dealers and people with bad credit looking for car loans.

The APR rates are fixed by the car dealers and can quickly grow based on your specific situation subject to the operations of the car dealers. The basic goal of Auto Credit Express is to get their low credit customers to meet the requirements and access their documentation to be able to match up with the conditions of their partners. The lender’s loan amount usually ranges between $3500 – $45,000

Although the organization does not mention a minimum credit score, it does state that if you wish to refinance, you’ll need a score of 510 or above. Some of the company’s dealers are ready to work with customers who have filed for bankruptcy or had their automobiles repossessed in the past. So keep in mind that even if you think you have bad credit, Auto Credit Express may still be able to help. You can be matched with a dealer or lender through Auto Credit Express, who may approve you based on the information you give. To put it another way, Auto Credit Express does your shopping for you.

Auto Credit Express offers different types of loans :

  • Auto Loan & Leasing
  • Bad Credit
  • Bankruptcy
  • Special Financing

Repayment Terms

While Auto Credit Express does not offer any repayment terms as they are just a loan marketplace, some of the company partners provide new and used automobile loans with durations up to 72 months. Some lenders may allow you to receive an auto loan with a term of as little as 12 months.

It is best advised to get auto loans with terms that are as little as possible as they attract lesser interest payments. Longer auto loans repayments terms may attract a higher interest rate and this might not be so favorable and cars depreciate with time.

Privacy & Security

The Better Business Bureau(BBB) has given Auto Credit Express an A+ rating. The company is dedicated to safeguarding the privacy of its customers’ personal information. They follow federal standards such as the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act to protect financial data. They have also employed specialized, manual, and extensive business strategies to help protect your privacy.

Auto Credit Express and its lending partners exchange your personal information only to offer you the product and services that you have requested with them and use it for marketing purposes in the future, according to how it’s stated in their privacy policy.

Customer Support

Customer support at Auto Credit Express can be reached by phone at 866-902-4403 or by email at Customercare@autocreditexpress.com. You can also meet them in person Monday through Friday between 8:30 a.m. and 5:30 p.m. eastern standard time (EST).

If you opt to get a loan from one of the Company’s partners, that Partner will take care of your loan and help you with any problems or queries you may have.

Final Thoughts

Auto Credit Express is an excellent alternative for folks who have bad credit scores but still want to obtain a decent deal on a car loan. As a result, Auto Credit Express is a good option if you want to search around for the best vehicle loan dealers. They allow you to apply for a loan even if you are bankrupt. It has a seamless application process, no minimum credit score requirement, and a large choice of loan amounts to choose from.

Address

3252 University Drive, Suite 250
Auburn Hills, Michigan 48326

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Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
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This review is based on the writer's personal opinion.