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Auto Credit Express

Auto Credit Express: 2023 Auto loan review Published 2023-01-01 00:00:00

Authored 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 using loans to buy a car.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are enthusiastic about helping readers gain confidence to take control of their finances through providing precise, well-studied information that breaks down complicated topics into manageable bites.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive financial calculators and tools that provide objective and original content. This allows you to conduct your own research and analyze data for no cost to help you make informed financial decisions. Bankrate has agreements with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this website come from companies that compensate us. This compensation could affect how and when products are featured on the site, such as for instance, the order in which they be listed within the categories of listing, except where prohibited by law. This applies to our mortgage, home equity and other products for home loans. This compensation, however, does not influence the content we publish or the reviews that you see on this site. We do not include the entire universe of businesses or financial deals that may be available to you.

Reviewer’s disclosure of editorial rights: All reviews are prepared by staff. The opinions expressed in them are only the opinions of the reviewer and have not been reviewed or accepted by any advertiser. The information such as rates and charges, presented in the review is accurate up to the date of the review. Review the information at the top of this page as well as the lender’s site for the most up-to-date information.

A quick glance 3.6 rating: 3.6 stars out of 5

Bankrate Score

Available Rating: 3.7 stars out of 5

Affordability Rating: 3.4 stars out of five

Customer Experience Rating: 3.4 stars out of five

Transparency Rating: 4 .

Find out about auto loan rates

About Auto Credit Express Loan amount $5,000 to $45,000

Min. credit score Unspecified

APR related to Varies by lender

Funds available in As soon as the day you apply

Auto Credit Express features Auto Credit Express makes automobile ownership feasible for people with bad credit, yet they can carry steep rates.

PROS Bad 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 online lender marketplace that primarily serves people with bad credit or no credit, as well as those who were previously denied because of bankruptcy. The goal of the company is to help drivers secure loans from a trusted dealer even if they have less than perfect credit. Auto Credit Express works with over 900 dealers across the nation to accommodate the needs of every driver for new, used and refinance loans.

Do you qualify? The requirements for eligibility vary based on the lender, but Auto Credit Express outlines the principal requirements for applying for an bad credit loan. At least 18 years old. At least $1500 in monthly earnings. Proof of residence and address residency. Three years of working experience with no major gaps Full-time work for at least 6 months or any other fixed income Able to acquire auto insurance from six to eight references from personal sources When it comes to bad credit loans you can also expect to pay a down payment of at least 1000 or 10% of the price at which you sell the vehicle. In the event of a lender agreement, the borrower can expect a hard credit inquiry.

What we love and what don’t Weigh the advantages and drawbacks of the loan using Auto Credit Express prior to applying for a loan.

What we love Specialize In bad credit loans. Auto Credit Express partners directly with bad credit lenders to help people with poor credit access to auto loans. Encourages co-signers. By allowing a co-signer, bad credit drivers receive competitive rates. Minimum monthly income requirement. Auto Credit Express as a minimum monthly income requirement of $1500. What we do not like is limited availability of vehicles. You’ll be stuck with vehicles from partnering dealerships. A lack of transparency. There isn’t any information on potential APRs on its website. Limited customer support. Assistance is only available on weekdays. How do I contact Auto Credit Express Customer support is available via an online contact form or via phone at 855-439-0814. Agents are available from Monday to Friday between 8:30 a.m. until 5:30 p.m. ET.

Auto loan types available Auto Credit Express offers loans for buying new or used automobile loans Refinancing, cash-out, refinance, and leasing. Finance is available from $5,000 to $45,000. Used and new automobile loans

Loan quick facts Amounts: $5,000 to $45,000. Terms: 36 to 72 months APR: Vary based on lender

If you are seeking to finance a brand used or new vehicle, Auto Credit Express offers options through the lender network. Rates and terms can vary, however available loans are tailored specifically to those who have good, bad or none at all. If you are buying new, you’ll be restricted to Auto Credit Express’s dealerships that are partnered with it. Refinance

Loan quick facts Amounts: From $5,000 to $45,000. Terms are 36 to 72 months APR: Vary based on lender

Refinancing your existing auto loan could be a good option to lower the monthly cost of your loan and also to lower your rate. Although Auto Credit Express does not disclose specific credit requirements however, their website says that the majority of lenders will approve applicants who have “good” or above average credit. So, while Auto Credit Express specializes in bad credit loans, refi caters more to drivers who have better credit. How do you apply for an auto loan using Auto Credit Express An application through Auto Credit Express can be done fully online or via the phone. It will likely take just three minutes and you can be connected with a dealer within the first 24 hours of your application. If you’re placed with an lender it will send you a phone call from a local dealership , if you’re purchasing a new or used vehicle and will then be able choose the vehicle you want to purchase.

The information required to apply for the job is Full name, Social Security number Date of birth , address and date of residence 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 lease financing options even in the event that you do not have perfect credit.

Will a bankruptcy prevent you from getting approved for Auto loan via Auto Credit Express? Auto Credit Express can help you secure a car loan during or after bankruptcy. In general, you should look for a vehicle with an affordable price, make a down payment that is the lesser of 10 percent of the selling price or $1,000, and bring an additional cosigner (if feasible).

What rates do Bankrate offer? Auto Credit Express

Overall score




While used, new and refi loans are available, the dealership requirement or middle-tier loan amounts produce lower scores.



Acceptance criteria target poor credit drivers however, with terms and rates that are influenced by the lender as well as the amount of affordability to measure.

Customer experience


The combination of insufficient hours and negative online reviews, the customer service slants lower.



Auto Credit Express lacks transparency regarding the rates and terms of service, but does provide prequalification.

Methodology Bankrate considers 18 data points when rating auto loan lenders. Acceptance criteria, rates and fees are accessible and the range of APR all impact lender scores. These scores are broken up into 4 categories. The availability of loans as well as repayment options, dealer requirements and state availability all are a part of this category. Affordability: This section contains APR ranges and acceptance criteria, as well as discounts and fees. Customer experience: How long you have to shop, the customer service accessibility, and whether or not autopay or an app are available and availability are accounted for by this segment. Transparency: This section accounts for the accessibility of rates and fees along with whether prequalification is available.

Editorial disclosure The reviews are written by staff. The opinions expressed in the review are only the opinions of the reviewer and have not been reviewed or approved by any advertising company. The information such as rates and charges, presented in the review is correct at the time that the review was written. Look over the information in the upper right hand corner of the page and the lender’s website for the most current details.

Written by

Rebecca Betterton

Auto Loans Reporter

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

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain confidence to control their finances with precise, well-studied information that breaks down otherwise complex topics into manageable bites.

Auto loans editor



Legal Cookie settings Don’t share my information with anyone else.

How we make money is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products and, services, or when you click on certain hyperlinks on our website. Therefore, this compensation may influence the manner, place and in what order products are displayed within the categories of listing and categories, unless it is prohibited by law for our mortgage or home equity products, as well as other home lending products. Other factors, such as our own proprietary website rules and whether the product is available within your area or at your own personal credit score can also impact the manner in which products are featured on this website. Although we try to offer an array of offers, Bankrate does not include details about each financial or credit item or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |


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