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Auto Credit Express

Auto Credit Express: 2023 Auto loan review, published 2023-01-01 at 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 in navigating the ways and pitfalls of borrowing money to purchase an automobile.

The edit was done 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 confidence to manage their finances by providing concise, well-studied and well-researched content that break down 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 providing you with interactive financial calculators and tools, publishing original and objective content. This allows users to conduct research and analyze data for no cost to help you make financial decisions with confidence. Bankrate has agreements with issuers such as, 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 come from companies that pay us. This compensation can affect the way and when products are listed on this site, including for instance, the order in which they may appear in the listing categories and other categories, unless prohibited by law for our loans, mortgages, and other products for home loans. However, this compensation will not influence the information we publish, or the reviews you see on this site. We do not include the vast array of companies or financial offers that may be open to you.

Reviewer’s disclosure of editorial rights Reviewers are supervised by our staff. The opinions expressed in them are only those of the reviewer and are not reviewed or approved by any advertising company. The information that is included, including rates and fees, presented in the review is accurate up to the date that the review was written. Look over the information at the top of this page and the lender’s website for the most current information.

A quick 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 5

The Customer Service Rating is 3.4 stars out of five

Transparency Rating Four stars from five

Find out about 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 are available as soon as the day that you apply

Auto Credit Express features Auto Credit Express allows automobile ownership feasible for people with bad credit, yet they can have high rates.

PROS Credit scores that are not good loans

Encourages co-signers

Minimum monthly income requirements for low-income families

CONS Limited vehicle inventory

Limited transparency

Limited customer support

Auto Credit Express serves as an lender marketplace that is primarily geared towards drivers with poor credit, no credit and those who were previously denied because of bankruptcy. Its goal is to assist drivers secure loans from a reputable dealer even if they do not have perfect credit. Auto Credit Express works with over 900 dealers across country to fit every driver’s needs for used, new and refinance loans.

Do you qualify? The exact requirements differ based on the lender and the lender, however Auto Credit Express outlines the primary expectations when applying to get an bad credit loan. You must be at least 18 years old. A minimum of $1,500 in monthly income. Proof of residence and address residence. Three years of working experience with no major gaps Full-time work for at least 6 months or any other fixed income. Able to obtain auto insurance Six to eight references from personal sources When you are looking for bad credit loans you can also expect to pay a down payment of at least 1000 or 10% of the purchase price of the car. After the lender match, you can anticipate a hard credit check.

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

What we love Specialize on 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. A low monthly income requirements. Auto Credit Express as a minimum monthly income requirement of $1500. We don’t like limited car inventory. It is likely that you will have to use cars from dealerships that partner with us. Low transparency. There isn’t any information on possible APRs on its website. Limited customer support. Assistance is only available on the 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 5:30 p.m. ET.

Auto loan kinds offered Auto Credit Express offers loans to purchase new or used vehicle loans, refinancing, cash-out refinance and leasing. Finance is available from $5,000 to $45,000. Used and new auto loans

The loan amount is $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. The rates and terms are different, but available loans are tailored specifically to those who have good, bad or none even. If you are buying new you will be limited to the inventory of Auto Credit Express’s partnered dealerships. Refinance

Loan quick facts Amounts: $5,000 to $45,000. Terms are 36 to 72 months APR: Varies by lender

Refinancing your current 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, its website states that most lenders accept drivers with “good” and above average credit. Thus, although Auto Credit Express specializes in bad credit loans, refi is more suited to those with better credit. How to apply for an auto loan through Auto Credit Express An application through Auto Credit Express can be made completely online or over the phone. It will likely take just three minutes, and you will be matched with a dealer within 24 hours of your application. Once you are placed with a lender the lender will give you a phone call from the local dealership if you are purchasing a new or used vehicle and then you will be able to select your vehicle.

Information required for application: Full name, Social Security number Date of birth Address and time living there Email address and telephone number Housing payment 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 lease financing options even when you don’t have perfect credit.

Can bankruptcy stop you from obtaining the auto loan via Auto Credit Express? Auto Credit Express can help you get a car loan either during or after bankruptcy. In general, you should look to purchase a car with an affordable price you can make a downpayment equal to the lesser of 10% of the sale price or $1,000 and get an additional cosigner (if possible).

How Bankrate rates Auto Credit Express

Overall score




While new, used and refi loans are available, dealership requirement and middle-tier loan amounts result in a lower score.



Acceptance criteria are designed to accommodate people with poor credit, but with rates and terms varying according to the lender and the lender, affordability can be difficult to determine.

Customer experience


In the combination of limited hours and poor online reviews, customer service tends to be less.



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

Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Acceptance criteria, the rates or fees offered and the APR range all affect lender scores. These scores are broken up in four different categories. Availability : Loan amounts, repayment options, dealership requirements and availability to state make up this category. Affordability: This section houses APR ranges and acceptance criteria, as well as fees and discounts. Customer experience: The length of time you’ll need to shop, the customer service availability, and whether autopay or an app are available and availability are all covered within this category. Transparency: This category accounts for the availability of fees and rates and whether prequalification is available.

Disclosure of author: All reviews are prepared by staff. The opinions expressed in the review are only those of the reviewer and have not been reviewed or accepted by any advertising company. The information such as rates and charges provided in the review is correct up to the date that the review was written. Review the information in the upper right hand corner of the page, and 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 in navigating the details of taking out loans 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 committed to helping readers gain the confidence to take control of their finances by providing clear, well-researched information that breaks down otherwise complex subjects into bite-sized pieces.

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 promotion of sponsored goods andservices or for you clicking specific links on our site. This compensation could impact how, where and in what order products appear within listing categories in the event that they are not permitted by law. This is the case for our mortgage or home equity products, as well as other home loan products. Other elements, such as our own proprietary website rules and whether or not a product is available in your region or within your own personal credit score could also affect how and where products appear on this site. While we strive to provide the most diverse selection of products, Bankrate does not include specific information on every credit or financial product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |


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