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Auto Credit Express

Auto Credit Express: 2023 Auto loan review, published 2023-01-01 at 00:00:00.

Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the details of borrowing money to purchase the car they want.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to manage their finances through providing precise, well-studied information that breaks down complicated subjects into bite-sized pieces.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by providing you with financial calculators and interactive tools that provide objective and original content. We also allow users to conduct research and compare data for free to help you make financial decisions with confidence. Bankrate has agreements with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this website come from companies that compensate us. This compensation could affect how and when products are listed on this site, including, for example, the order in which they may appear within the listing categories and other categories, unless prohibited by law. This applies to our loan products, such as mortgages and home equity, and other home lending products. But this compensation does have no impact on the information we publish, or the reviews that appear on this website. We do not cover the universe of companies or financial deals that may be accessible to you.

About our reviews . Editorial disclosure: All reviews are prepared by staff. The opinions expressed are solely those of the reviewer and are not evaluated or accepted by any advertising company. The information that is included, including rates and fees that are included in the review is accurate as of the date that the review was written. Check the data on the right, and the lender’s site for the most recent information.

A quick look 3.6 rating: 3.6 stars out of 5

Bankrate Score

Rating of Availability: 3.7 stars out of 5

Cost of Affordability: 3.4 stars out of 5

Customer Experience Rating: 3.4 5 stars. 5

Transparency Rating: 4 stars out of 5

Find out about rates for auto loan rates

About Auto Credit Express Loans from $5k to $45,000

Min. credit score not specified

The APR Varies by lender

Funds are available as soon as the day you apply

Auto Credit Express features Auto Credit Express makes vehicle ownership possible for those who have poor credit, but they will be a bit expensive.

PROS Poor credit loans

Encourages co-signers

Minimum monthly income requirements for low-income families

CONS Limited vehicle inventory

Transparency limited

Limited customer support

Auto Credit Express serves as an lender marketplace that is primarily geared towards people with bad credit with no credit or who were previously denied because of bankruptcy. Its goal is to assist drivers secure loans from a trusted dealer even with less than perfect credit. Auto Credit Express works with more than 900 dealers across the nation to meet the needs of every driver for new, used and refinance loans.

Do you qualify? The requirements for eligibility vary based on the lender however, Auto Credit Express outlines the most important requirements to apply to get the bad credit loan. At minimum 18 years old. A minimum of $1,500 in monthly earnings. Proof of residence and address residency. Three years of working experience without major gaps Full-time employment for at least six months or have other fixed income. able to get auto insurance between six and eight personal references When it comes to bad credit loans you can also expect to pay the down payment of at most $1,000 or 10 percent of the purchase price of the vehicle. After the lender agreement, the borrower could be expecting a hard credit investigation.

What we love and what don’t Weigh the advantages and disadvantages of a loan with Auto Credit Express prior to making an application.

What we like Specialize in bad credit loans. Auto Credit Express partners directly with bad credit lenders to help credit challenged consumers access auto loans. Encourages co-signers. Adding a co-signer will help bad credit drivers receive competitive rates. Minimum monthly income requirements. Auto Credit Express as a minimum monthly income requirement of $1500. What we don’t like Limited vehicle inventory. It is likely that you will have to use vehicles from partner dealerships. A lack of transparency. There is no information about potential APRs on its website. Limited customer support. Assistance is available only on the weekdays. How do I contact Auto Credit Express Customer support is via an online contact form or on the phone at 855-439-0814. Agents are available Monday through Friday, from 8:30 a.m. to 5:30 p.m. ET.

Auto loan kinds offered Auto Credit Express offers loans for the purchase of new or used automobile loans refinancing, cash out, refinance, and leasing. The loan ranges from $5,000 to $45,000. New and used auto loans

Quick facts about loans: $5,000 to $45,000. Terms: 36 to 72 months APR: Vary based on lender

If you are trying to finance a used or new vehicle, Auto Credit Express offers choices through their lender network. The rates and terms are different, but available loans are tailored specifically to those with good, bad or no credit history at all. If you are buying new, you’ll only be limited to the inventory of Auto Credit Express’s partner dealerships. Refinance

The loan amount is From $5,000 to $45,000. Terms of the loan: 36 to 72 month APR: Vary based on lender

Refinancing your existing auto loan is a fantastic alternative to reduce your monthly payments and to adjust your rate. Although Auto Credit Express does not disclose specific credit requirements on its website, it does state that the majority of lenders will approve applicants with “good” and above average credit. Therefore, even though Auto Credit Express specializes in bad credit loans, refi is more suited to those with better credit. How to apply for a loan with Auto Credit Express An application using Auto Credit Express can be made completely online or over the phone. It is likely to take only three minutes, and you will be matched with a dealer within the first 24 hours of submitting your application. After you have been matched with an lender it will send you a call from the local dealer if you’re purchasing a new or used vehicle and then you will be able to choose your vehicle.

The information required to apply for the job is Full name Social Security number Date of birth , address and the time that you have been living there Email address and telephone number Housing payment Employment information Monthly income

Auto Credit Express FAQs

Can you use Auto Credit Express to find lease financing? Yes, you are able to use Auto Credit Express to find leasing financing options, even when you don’t have perfect credit.

Can bankruptcy stop you from obtaining the auto loan through Auto Credit Express? Auto Credit Express can help you get a car loan in the event of bankruptcy or following. In general, you should look at a car that has a lower price point, make a down payment that is the lesser of 10 percent of the selling price or $1000 and then bring a cosigner on board (if feasible).

How do rates at Bankrate work? Auto Credit Express

Overall score




While used, new and refinancing loans are available, the dealership requirements as well as middle-tier loan amounts produce a lower score.



Acceptance criteria target people with poor credit, however, with rates and terms varying according to the lender, affordability is tough to measure.

Customer experience


The combination of short hours and poor online reviews, customer service tends to be less.



Auto Credit Express lacks transparency around its rates and terms however, it does offer prequalification.

Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Acceptance criteria, the rates or fees accessible and the range of APR all impact lender scores. These scores are split in four different categories. Availability : Loan amounts, repayment options, dealership requirements and availability to state contribute to this category. Affordability: This section contains APR ranges, acceptance criteria, discounts and fees. Customer experience: How long you have to shop, the customer service availability, and whether autopay or an app are available and availability are covered by this segment. Transparency: This category accounts for the accessibility of rates and fees as well as the availability of prequalification.

Editorial disclosure The reviews are written by staff. Opinions expressed therein are solely the views of the reviewer. They are not reviewed or accepted by any advertising company. The information that is included, including rates and fees provided in the review is accurate at the time when the review first appeared. Check the data in the upper right hand corner of the page, and the lender’s website to find the most current details.

Written by

Rebecca Betterton

Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating the details of using loans to buy the car they want.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain the confidence to take control of their finances through providing concise, well-researched and well-researched content that breaks down otherwise complex subjects into bite-sized pieces.

Auto loans editor



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