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Auto Credit Express Reviews


bestfor-icon Bad Credit Refinancing and Financial Assistance

Written by Steven Walters

About Auto Credit Express | Read More


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Mon - Fri 8:30 AM - 5:30 PM
Sat - Sun Closed
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  • Customercare@autocreditexpress.com
  • (855) 439-0814
  • Headquarters: 3252 University Drive, Suite 250 Auburn Hills, Michigan 48326
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Auto Credit Express Auto Loans Review

Auto Credit Express specializes in finding financing options for those with poor credit scores or past credit problems such as bankruptcy. They do this through a network of dealers and lenders who will work with customers to find the best terms. The service can be used to purchase either new or used cars, or to lease if that option makes sense for the customer.

Auto Credit Express Auto Loans Highlight


Min Credit Score


APR. Fixed Rate


Loan Amount

12 - 72 Months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

1 days

Funding Time

Pros & Cons

  • con-icon Multiple lending options are advantageous
  • con-icon Network of national lenders
  • con-icon Caters bad credit scores
  • con-icon Application is simple and quick
  • con-icon Only 6 months of work experience is required
  • con-icon Loan rates are determined by the lender
  • con-icon Only dealerships in the network must be used
  • con-icon High-interest rates are a possibility

Auto Loan Types

  • Secured Auto Loans
  • Unsecured Auto Loans
  • Simple Interest Loans
  • Precomputed Interest Loans
  • Direct Financing
  • Indirect Financing
  • New Car Loan
  • Used Car Loan

Vehicle Types

  • Car
  • Truck

Auto Credit Express Auto Loans Terms & Requirements

AutoCreditExpress offers a wide range of terms and conditions when it comes to lending. That’s because the actual terms and conditions are set by the lenders, not by Auto Credit Express. With over 1,500 lenders in their network it should come as no surprise that consumers can take advantage of all types of loan and lease programs to get into their chosen new or used car. It also means that there are few restrictions on what vehicle can be purchased, although some older, high mileage vehicles might be difficult to obtain financing. With so many options in the loan process we find Auto Credit Express to be easier to work with when compared with similar bad credit auto loan firms.

How to Apply

Applying for a car loan with Auto Credit Express begins with filling in their online quote forms in order to be prequalified. Simply navigate to the Auto Credit Express website and click the button “Get Started Online”. It will take you to the four-step Auto Loan Request Form.

All together this application process takes just a couple minutes. Once complete the Auto Credit Express team will begin looking for dealers and lenders to work with you. You could hear back regarding your status within 24 hours.

Qualification Requirements

  • Able to produce proof of a monthly income of at least $1,500.
  • A current resident of the United States or Canada.
  • In a position to acquire auto insurance.
  • Employed full time or have a guaranteed fixed income.
  • Able to show proof of residency, a working phone number, and a recent utility bill.
  • Co-signer not required.
  • At least 18 years of age.

Required Information

In order to initiate the prequalification process, one has to provide certain information or

documents. The actual documents required are determined by the lender, not by Auto Credit Express, so there is likely to be a difference in requirements for each borrower based on the lender used. Basic information required by every lender includes legal name, date of birth, and address. The lenders will also want to know how much is being requested for the loan as well as the loan purpose.

Potential required documents (these will vary by lender):

  • W-2 Forms from employment
  • Photo Identification
  • Tax returns
  • Bank account statements
  • Proof of income (pay stubs)
  • Proof of insurance
  • Proof of Address
  • Drivers license

Application Steps & Time Frames

After completing the quote process, which takes just minutes, a lending specialist at Auto Credit Express will begin the work of matching you with a local dealership and lender. The process works smoothly and you’re under no obligation to accept any of the loan offers if they don’t meet your needs. The timeline looks something like this:

  1. Processing your quote and prequalification can be completed in under 24 hours.
  2. You’ll be matched with a local dealership and meet with the finance person there.
  3. The dealership finance person will contact various lenders to get the best terms.
  4. Lenders will typically send their terms within 1-2 hours. If you agree you can get funded the same day and drive away in your new car.

State Availability

- Available in all states

Steve has been writing in the financial products space for over a decade, with interests ranging from personal loans to investing. He is also deeply into the blockchain space. In his free time, you can find him in the kitchen preparing delicious meals, or outside hiking and biking.



Can I refinance my auto loan if I’ve filed for bankruptcy?

While there are no guarantees, Auto Credit Express may be able to connect you with a lender, even if you are going through bankruptcy proceedings.

Can I get a car loan if I have bad credit?

Auto Credit Express is experienced in working with those who have all levels of credit, or even no credit score at all.

Is it easy to refinance a car loan?

The ease of refinancing a car loan depends on a number of factors, including your own situation and the expectations of the lenders you are working with. Auto Credit Express works with many lenders across the U.S. and Canada to help make the refinance process as easy as possible.

Is Auto Credit Express a legit website?

Auto Credit Express is one of the oldest online car lending marketplaces founded in 1999. The online platform is designed to help consumers with bad or no credit to find an affordable auto financing solution.

Customer Support

With a choice between email, telephone, or web form, getting in touch with the support team at AutoCreditExpress is a simple process. As part of this review, we contacted the customer support staff to have them field some simple questions.

We found the person we spoke with to be fast to respond and helpful, if maybe a bit aggressive in trying to get us into their application process. It’s understandable since that is how the firm makes its money. In addition to answering our questions clearly and professionally, Auto Credit Express has a good online reputation.

On Trustpilot, Auto Credit Express has a 4.5 out of 5.0-star rating, with 3,272 reviews as of Oct. 13, 2022. Fully 90% of the reviews are 4 or 5 stars, and the business has responded to 100% of the negative reviews to satisfy customers experiencing issues or frustrations.

It is worth noting that Auto Credit Express does not make loans or service any loans. They are a marketplace and provide assistance during the loan process. Once the loan is approved and funded, borrowers work with the lender.

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.

In Conclusion

Auto Credit Express has positioned itself as a leader when it comes to securing a car loan with bad credit. That makes them a good choice if you are searching out the best auto lending deal. They have an extensive network of lenders, some of whom will even work with you if you have declared bankruptcy. With a straightforward application process, no hidden fees, a large selection of loan types, and no minimum credit score requirement, Auto Credit Express is an excellent choice for auto loans of all types.

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