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Auto Credit Express

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

Written 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 details of using loans to buy an automobile.

Edited by Rhys Subitch Edited by Auto loans editor

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

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by offering financial calculators and interactive tools as well as publishing original and objective content, by enabling users to conduct research and compare information for free and help you make financial decisions with confidence. Bankrate has partnerships with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that appear on this website are provided by companies that compensate us. This compensation can affect the way and when products are listed on the site, such as such things as the sequence in which they appear in the listing categories, except where prohibited by law. This applies to our loans, mortgages,, and other home loan products. This compensation, however, does not influence the content we publish or the reviews you read 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 The reviews are written by staff. The opinions expressed are solely those of the reviewer and are not checked or approved by any advertiser. The information that is included, including rates and fees provided in the review is accurate as of the date when the review first appeared. Look over the information on the right and the lender’s site for the most up-to-date details.

A quick glimpse 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

Customers Experience Score: 3.4 five stars from 5

Transparency Rating: 4 .

Check rates for auto loan rates

About the amount of Auto Credit Express loan between $5,000 and $45,000

Min. credit score not specified

APR from Varies by lender

Funds will be available as early as the day that you apply

Auto Credit Express features Auto Credit Express can make the possibility of owning a car for those who have poor credit, but they will carry steep rates.

PROS Bad credit loans

Encourages co-signers

A low monthly income requirement

CONS Limited vehicle inventory

Transparency is not always clear.

Limited customer support

Auto Credit Express serves as an lender marketplace that primarily serves people with bad credit, no credit and those who have previously been denied because of bankruptcy. Its goal is to assist customers get loans from a trusted dealer even with less than perfect credit. Auto Credit Express works with over 900 dealers across nation to meet every driver’s needs for used, new and refinance loans.

Do you qualify? The requirements for eligibility vary based on the lender and the lender, however Auto Credit Express outlines the most important requirements to apply to get an bad credit loan. At minimum the age of 18. At least $1500 in monthly earnings. Proof of residence and address residency. Three years of working experience without significant gaps Full-time employment for at least six months or have other fixed income. able to get auto insurance between six and eight references from personal sources When it comes to bad credit loans you can also expect to make the down payment of at least $1,000 or 10 percent of the selling price of the car. In the event of a lender agreement, the borrower could be expecting a hard credit investigation.

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

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. A low monthly income requirement. Auto Credit Express as a minimum monthly income requirement of $1,500. We don’t like limited vehicle inventory. It is likely that you will have to use cars from dealerships that partner with us. Low transparency. There is no information about potential APRs on its website. Limited customer support. Assistance is available only on weekdays. How to contact Auto Credit Express Customer support is accessible via an online contact form or on the phone at 855-439-0814. Agents are accessible Monday through Friday between 8:30 a.m. to 5:30 p.m. ET.

Auto loan types offered Auto Credit Express offers loans for buying new or used vehicle loans, refinancing, cash-out refinance, and leasing. The loan ranges from $5,000 to $45,000. Used and new auto loans

Quick facts about loans: Between $5,000 and $45,000. Terms of the loan: 36 to 72 month APR: Vary based on lender

If you are seeking to finance a brand new or used vehicle, Auto Credit Express offers various options via the lender network. The rates and terms are different, but the available loans cater directly to drivers who have good, bad or no credit history in any way. If you’re purchasing new, you’ll be restricted to Auto Credit Express’s dealerships that are partnered with it. Refinance

Quick facts about loans: $5,000 to $45,000 Terms: 36 to 72 months APR: varies by lender

Refinancing your current auto loan is a fantastic option to lower the monthly cost of your loan and also to lower your interest rate. Although Auto Credit Express does not disclose specific credit requirements however, their website says that most lenders approve drivers with “good” and above average credit. Therefore, even though Auto Credit Express specializes in bad credit loans, refi is more suited to those who have better credit. How to apply for a loan through Auto Credit Express An application through Auto Credit Express can be done fully online or via the phone. It is likely to take only three minutes to be connected to a dealer within 24 hours of your application. If you’re connected to a lender you will receive a telephone call from the local dealer if you’re purchasing a new or used vehicle and you’ll then be able choose the vehicle you want to purchase.

Required application information Full name and Social Security number Birth date, address and time living there Email address and telephone number Housing payment and employment information Monthly income

Auto Credit Express FAQs

Are you able to 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.

Do bankruptcy restrictions prevent you from getting approved for Auto loan through Auto Credit Express? Auto Credit Express can help to secure an auto loan in the event of bankruptcy or following. Ideally, you should aim for a vehicle with an affordable price and make a down payment of the lower of 10 percent of the selling price or $1000, and bring an additional cosigner (if it is possible).

How do rates at Bankrate work? Auto Credit Express

Overall score




While used, new and refinancing loans are readily available, dealership requirement as well as middle-tier loan amounts produce lower scores.



Acceptance criteria cater to people with poor credit, but with terms and rates that are influenced by lender as well as the amount of affordability to gauge.

Customer experience


With the limited hours and poor online reviews, the customer service tends to be less.



Auto Credit Express lacks transparency around its rates and terms, but does provide prequalification.

Methodology Bankrate considers 18 data points when rating auto loan lenders. Acceptance criteria, charges and rates are offered and APR range all influence lender scores. These scores are broken up into four categories. Availability : Loan amounts and repayment options, dealership requirements and availability to state make up this category. Affordability: This section contains APR ranges and acceptance criteria, as well as discounts and fees. Customer experience: How long you’ll need to shop, customer service availability, whether there’s an app or autopay availability are all covered within this category. Transparency: This category is responsible for the availability of fees and rates along with the availability of prequalification.

Editorial disclosure The reviews are written by staff. The opinions expressed are solely the views of the reviewer. They have not been reviewed or approved by any advertiser. The information such as rates and charges, presented in the review is accurate up to the date that the review was written. Review the information on the right and the lender’s website for the most up-to-date details.

Written by

Rebecca Betterton

Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the ways and pitfalls of using loans to buy the car they want.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain the confidence to control their finances by providing concise, well-researched and well-researched content that break down complex topics into manageable bites.

Auto loans editor



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How we make money is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products or services, or for you clicking certain hyperlinks on our site. This compensation could influence the manner, place and when products appear within listing categories, except where prohibited by law for our mortgage or home equity products, as well as other home lending products. Other factors, such as our own rules for our website and whether or not a product is available within your region or within your self-selected credit score range could also affect the way and place products are listed on this website. We strive to offer the most diverse selection of products, Bankrate does not include specific information on each financial or credit item or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |


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