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Auto Credit Express
Auto Credit Express: 2023 Auto loan review published 2023-01-01 at 00:00:00
Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ins and outs of securely borrowing money to purchase a car.







Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to control their finances by providing concise, well-studied and well-researched content that breaks down complicated topics into manageable bites.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by offering interactive financial calculators and tools that provide objective and original content, by enabling you to conduct research and compare information for free and help you make sound financial decisions. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this website are provided by companies that pay us. This compensation could affect how and when products are listed on the site, such as such things as the sequence in which they be listed within the categories of listing in the event that they are not permitted by law. This applies to our loan products, such as mortgages and home equity, and other home loan products. But this compensation does affect the content we publish or the reviews you see on this site. We do not cover the entire universe of businesses or financial deals that may be open to you.




About our reviews . Editorial disclosure: All reviews are prepared by staff. The opinions expressed 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 correct at the time of the review. Check the data at the top of this page as well as the lender's website for the most current information.








A look 3.6 Rating: 3.6 stars out of five
Bankrate Score

Rating of Availability: 3.7 stars out of 5
The Affordability Score: 3.4 stars out of five
Customers Experience Score: 3.4 5 stars. five
Transparency Rating: 4 stars out of 5


Compare rates for auto loan rates

About the amount of Auto Credit Express loan between $5,000 and $45,000
Min. credit score Unspecified
The APR Varies by lender
Funds will be available as early as the day you make your application



Auto Credit Express features Auto Credit Express allows vehicle ownership possible for those who have poor credit, but they will have high rates.
PROS Poor credit loans
Encourages co-signers
Low monthly income requirement

CONS Limited vehicle inventory
Transparency is not always clear.
Limited customer support





Auto Credit Express serves as an online lender marketplace that is primarily geared towards those with low credit scores or no credit, as well as those who have previously been denied because of bankruptcy. The goal of the company is to help people get loans from reputable dealers even with less than perfect credit. Auto Credit Express works with over 900 dealers across nation to meet all the requirements of drivers for new, used and refinance loans.
Do you qualify? The specific requirements vary depending on the lender however, Auto Credit Express outlines the most important requirements to apply for a bad credit loan. You must be at least 18 . A minimum of $1,500 in monthly income. address and evidence of residency. Three years of work history without major gaps Full-time employment for at least six months or any other fixed income Able to acquire auto insurance between six and eight personal references when you're looking for bad credit loans you can also expect to pay an initial down payment of $1,000 or 10 percent of the price at which you sell the car. Following the lender matching, you could be expecting a hard credit investigation.
What we love and what do not like. Weigh the benefits and drawbacks of a loan through Auto Credit Express prior to making an application.
What we like We 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. Co-signing with a co-signer can help bad credit drivers receive competitive rates. A low minimum monthly income requirement. Auto Credit Express as a minimum monthly income requirement of $1500. What we don't like Limited availability of vehicles. It is likely that you will have to use vehicles from partnering dealerships. Low transparency. There isn't any information on potential APRs on its website. Limited customer support. Assistance is only available on weekdays. Contact information for Auto Credit Express Customer support is through an online form or by calling at 855-439-0814. Agents are available from Monday to Friday, from 8:30 a.m. to 5 p.m. ET.

Auto loan types available Auto Credit Express offers loans to purchase new or used vehicles, loans refinancing, cash out, refinance and leasing. Finance is available between $5,000 and $45,000. Used and new automobile loans
The loan amount is From $5,000 to $45,000 Terms are 36 to 72 months APR: Varies by lender


If you're looking to finance a new or used vehicle, Auto Credit Express offers various options via their lender network. Rates and terms vary but the available loans are tailored specifically to those with bad, good or none in any way. If you're buying new you will be limited to the inventory of Auto Credit Express's partnered dealerships. Refinance
The loan amount is $5,000 to $45,000. Terms of the loan: 36 to 72 month APR: Vary based on lender


Refinancing your current auto loan could be a good option to lower your monthly payment and adjust your interest rate. Although Auto Credit Express does not specify specific requirements for credit on its website, it does state that most lenders approve drivers with "good" and above average credit. So, while Auto Credit Express specializes in bad credit loans, refi targets customers who have better credit. How to apply for an auto loan through Auto Credit Express An application using Auto Credit Express can be completed online or over the phone. It will likely take just three minutes, and you will be connected with a dealer within 24 hours after submitting your request. Once you are matched with a lender the lender will give you a call from the local dealership , if you're buying new or used and then you will be able choose your car.
The information required to apply for the job is Full name and Social Security number Date of birth Address and the time that you have been living there Email address and phone number Housing payment Employment information Monthly income


Auto Credit Express FAQs
Can you use Auto Credit Express to find lease financing? Yes, you can utilize Auto Credit Express to find lease financing options even when you don't have perfect credit.



Can bankruptcy stop you from getting approved for the auto loan with Auto Credit Express? Auto Credit Express can help you secure an auto loan either during or after bankruptcy. In general, you should look to purchase a car with a lower price point you can make a downpayment of the lower of 10% of the selling price, or $1,000 and get an additional cosigner (if it is possible).



What rates do Bankrate offer? Auto Credit Express
Overall score
3.6
The availability
3.7
While used, new and refi loans are available, dealership requirements or middle-tier loan amounts will result in lower scores.
Affordability
3.4
Acceptance criteria cater to those with low credit scores, however with terms and rates that vary by lender as well as the amount of affordability to gauge.
Customer experience
3.4
The combination of insufficient hours and negative online reviews, the customer service is skewed lower.
Transparency
4
Auto Credit Express lacks transparency about its rates and terms, but does provide prequalification.


Methodology Bankrate considers 18 data points when rating auto loan lenders. Criteria for acceptance, whether rates and fees are available and APR range all influence lender scores. The scores are divided in four different categories. The availability of loans as well as repayment options, dealer requirements and state availability all are a part of this section. Affordability: This section houses APR ranges, acceptance criteria, fees and discounts. Customer experience: The length of time you have to spend shopping, customer service availability, and whether there's an app and autopay availability are all covered by this segment. Transparency: This section accounts for the accessibility of rates and fees as well as the availability of prequalification.
Disclaimer The reviews are written by Bankrate.com staff. The opinions expressed are solely the opinions of the reviewer and are not reviewed or approved by any advertiser. The information, including rates and fees that are included in the review is correct at the time that the review was written. Look over the information on the right as well as the lender's website to find the most recent details.




Written by
Rebecca Betterton
Auto Loans Reporter


Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ins and outs of securely taking out loans to purchase the car they want.
Editor: Rhys Subitch Edited by Auto loans editor

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






Auto loans editor










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