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Carvana vs. Auto Credit Express Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Car Loans

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Car Loans

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Good For
Hassle-Free Online Car Loans
Good For
Car Loans Marketplace for Bad Credit
APR

7.90-27.90%

APR

5.18-21.32%

Repayment terms
36-72 months
Repayment terms
12 - 72 Months
Min Credit Score
300
Min Credit Score
300
Loan Amount

$1K-$100K

Loan Amount

$5K-$50K

Lender Type
  • Marketplace
Lender Type
  • Marketplace
Prepayment Fee
None
Prepayment Fee
None
Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Simple overall experience
  • No minimum credit score, good for those with bad credit
  • No application fees, origination fees, or prepayment penalties
  • Prequalified terms last 45 days, giving you time to decide
  • Allows for a co-signer
  • 7-days money back guarantee
Pros
  • Multiple lending options are advantageous
  • Network of national lenders
  • Caters bad credit scores
  • Application is simple and quick
  • Only 6 months of work experience is required
Cons
  • cons Only finances vehicles sold on Carvana
  • cons High interest rates if you have bad credit
Cons
  • cons Loan rates are determined by the lender
  • cons Only dealerships in the network must be used
  • cons High-interest rates are a possibility
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