Auto Credit Express Review 2025 Updated – Can They Help You Get a Car Loan?
Discover if Auto Credit Express can help you secure a car loan in 2025 with our latest review.
My 2025 review of Auto Credit Express examines this online company known for its extensive network of lenders and car dealers that help people with less-than-great credit. They claim you can easily apply for a car loan quickly and for free, enabling you to buy a car but can also help you start fixing your credit.
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Let’s examine how Auto Credit Express works. Their platform is designed to simplify getting a car loan, especially for those with credit issues. This review will discuss the deals they offer and determine whether they are of excellent value, using user feedback and comparing their services with those of others in the market.
Table of Contents
- About Auto Credit Express?
- The Auto Credit Express application process
- Why do I like Auto Credit Express?
- Advantages of Auto Credit Express
- Features of the site
- The benefits of Auto Credit Express
- Can Auto Credit Express be better?
- My endorsement
- Auto Credit Express FAQs
- Company details
- Auto Credit Express alternatives
About Auto Credit Express
Auto Credit Express connects people with bad credit with automobile dealers and lenders who might be able to help them get an auto loan.
Auto Credit Express is an auto loan broker with a 20+ year history headquartered in Auburn Hills, Michigan. The firm acts as a broker, not a lender, matching consumers with dealers or lenders according to the loans they are qualified for.
Their online auto loan platform is best for consumers who need assistance finding a bad-credit vehicle loan since they can’t obtain one from a typical lender.
Auto Credit Express Pros and Cons
What I like about Auto Credit Express (Pros)
- Low down payment requirements might apply
- Special military programs
- Willing to deal with those who have less-than-perfect credit
- Minimal qualification requirements
- A great alternative to financing with a Buy Here Pay Here dealership
- Partners with lending institutions that accept co-signers and co-borrowers
- Provides car buyers with access to lenders with flexible qualification requirements
What I dislike about Auto Credit Express (Cons)
- Depending on the lender, loan rates and terms change
- Some network lenders may require a hard credit inquiry
- Working with a dealer from the Auto Credit Express dealership network is required
- Mixed online customer reviews
- There’s a chance your interest rate will be high.
Auto Credit Express Loan Requirements
You’re not out of luck if your credit is bad or you’ve previously been denied a loan.
Subprime loans, provided by Auto Credit Express, are available for customers without solid financial backgrounds.
These loans typically have high interest rates, but they might be your only choice, depending on your circumstances.
It is advised that drivers, if they want to be approved for a subprime loan.
- Six months of employment.
- Minimum income of $1,500 to $2,000 gross monthly income
- Have three years of job history
Customers with poor credit or no credit can secure loans thanks to Auto Credit Express because it collaborates with various dealers and lenders.
Additionally, the business provides military personnel with special rates and discounts.
Auto Credit Express Auto Loan Details
Auto Credit Express offers auto loans for leasing or purchasing cars and refinancing car loans.
As mentioned, the business acts as a broker, matching customers with lenders and auto dealers rather than providing contracts.
Contract details like interest rates will change depending on the business that provides your loan.
When approved, your interest rate typically depends on several variables, such as:
- Type of vehicle
- Credit score and history
- Annual income
- Loan term
Auto Credit Express also provides other beneficial resources for purchasing or refinancing a vehicle. These tools consist of:
- Payment estimator: Enter the car’s price, loan term, down payment, and APR to see the estimated loan amount and monthly payment.
- Car loan estimator: Enter your estimated credit score, monthly income, and monthly recurring debt into the car loan estimator to determine how much you might be eligible for.
Additional sources: Auto Credit Express collaborates with partners to provide debt consolidation, insurance, used car warranties, and other services.
Finance Products Offered by Auto Credit Express
There are several different auto loan products available from Auto Credit Express.
Here is a rundown:
- New or used car purchase loans: Obtain financing to buy a vehicle through the network of lenders and dealers (new or used).
- Bad credit auto loans: Connect with local lenders and car dealerships specializing in lending to people with bad credit.
- Leasing: Whether you have good or bad credit, contact dealers to begin an auto lease.
- Refinancing: To pay off your current auto loan and save money, take out a new loan with better terms. They provide cash-out-refinancing and conventional (where you use a portion of the loan for personal expenses).
- Bankruptcy loans: A few partners focus on lending money to people who have filed for Chapter 7 or Chapter 13 bankruptcy.
The Auto Credit Express Application Process
Prospective customers can call or complete an online application to start the Auto Credit Express loan process.
Customers must include the following information on their application:
- Proof of income
- Phone bill
- Utility bill (with name and address)
- Six to eight personal references with contact details
The application procedure is comparatively simple and takes only a few minutes. After submitting your application, you will almost immediately learn if you have been accepted.
What Happens After You Apply
Depending on the type of loan you want, lenders and dealers in your area will contact you after you provide Auto Credit Express with your information.
Your credit report is not hard-checked by Auto Credit Express. To make you a specific offer, the partners it contacts on your behalf might conduct a hard check.
Therefore, if you apply through Auto Credit Express, you should be prepared for one or more hard credit checks to be run on your file.
The good news is that when multiple credit checks occur within 30 days of one another, they are combined on your report. While applying may lower your score, it only results in one hard inquiry.
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Why Do I Like Auto Credit Express
They make getting a car loan easy, whether you have perfect credit or a bumpy credit history.
As we know, reasonable people can occasionally struggle with their finances. Not qualifying for a vehicle loan can compound the problem by limiting one’s living ability.
Auto Credit Express specializes in helping people with less-than-perfect credit histories get auto loans for reliable cars, which can help them rebuild their credit scores.
- Free auto loan quotes for new and used vehicles: No risk or obligation exists. Fill out the online form to get an answer quickly. Don’t let past credit problems stop you from moving ahead.
- Work with lenders specializing in troublesome credit: Don’t be afraid to be judged for past mistakes. Our network specializes in connecting lenders with borrowers with problematic credit.
- Estimate what you can afford: Their car loan estimator gives you a heads-up on what you can afford ahead of time. Stay within your budget and get approved today.
What Gives Auto Credit Express the Edge?
Get approved at great rates with excellent or bad credit and for new or used cars.
Auto Credit Express is the perfect loan solution for anyone. It is an exceptional choice for those with poor or less-than-ideal credit. Auto Credit Express works with partners who specialize in saying “Yes!”. That means when you apply to buy a car through ACE, you will likely be able to get a quality vehicle. Perhaps best of all, the online process is free and easy.
- They don’t judge: Their network of dealers and lenders wants to help you get a car. They’ve likely seen past credit issues worse than yours. Just reach out to get results.
- They have excellent ratings and reviews: Auto Credit Express is an A+ Accredited Business of the Better Business Bureau with a 4.6-star Rating (out of 5) from Trustpilot. However, some reviews on other websites are mixed.
- They also provide many resources to help rebuild credit: a car loan estimator, Payment Calculator, Resource Center, Blogs, and Videos are just a few tools that can help you stay on track to better credit.
Features to Help You Get the Car You Want
Auto Credit Express is a no-judgment zone for getting credit for the car you want. The dealers in their network want you to get what you want, the vehicle you deserve, at an affordable price. The process is free and easy, and you maintain your dignity.
If you’ve been told no before, don’t let that stop you. Apply online today. There’s no obligation and nothing to lose.
- Quick online decisions: You do not need to feel uncomfortable speaking with a dealer or finance representative. Decisions are made promptly, and you maintain control throughout the process.
- Use your car loan approval to rebuild your credit: This may be the perfect opportunity to get a car and rebuild your credit. Use our tools, videos, and blogs to learn more.
- Lease or buy: With Auto Credit Express, you have choices. Apply for a loan or a lease and choose from new or used cars. You have options every step of the way.
Auto Credit Express Benefits
A few of the most prominent benefits of using Auto Credit Express to get an online auto loan are:
- More people will qualify for loans: This is a superior option for individuals with less-than-perfect credit. Those who have had problems in the past can find success.
- Build your credit: Auto Credit Express is the perfect starting point for rebuilding your credit. If you’ve struggled in the past, this is your shot at starting again.
- Lease or buy: You are in control with Auto Credit Express. Buy your next car or decide to lease.
What Could Make Auto Credit Express Better?
Everybody should be able to get a car loan to buy a vehicle they want or need. However, this can be challenging for those who have previously experienced financial issues. Whether you’ve been negatively impacted by divorce, unexpected medical bills, job loss, or even bankruptcy, Auto Credit Express can usually help with limitations.
- You’ll probably pay higher interest rates: Poor credit can mean riskier loans, resulting in slightly higher interest rates. Auto Credit Express is competitive, but you may pay a higher rate with poor credit.
- Affordable options may be somewhat restricted: If you have troubled credit, you may not have all the possibilities of someone with perfect credit.
- Be prepared to tell your story: You’ll have to provide personal details to qualify for a loan, but at least it will be online and not in person.
My Endorsement
Auto Credit Express is a much-needed resource in the auto buying industry. Consumers with perfect credit or those without poor credit may use the service. It is relatively easy to use and free, and applicants are not obligated to accept an offer. Online resources can be handy for those rebuilding their credit. It is certainly worth giving a try.
- Benefits: Solid online options for online auto loans, good or bad credit, buy or lease options, new or used.
- Advantages: Free, easy to use, specializes in poor and spotty credit.
- Features: Online resources, such as blogs, videos, credit rebuilding strategies, and many buying or leasing options.
- Limitations: Those with abysmal credit will likely pay more, and options and budgets may be limited; complete personal and credit disclosure is required.
Auto Credit Express FAQs
Is Auto Credit Express Legit?
Yes – People with credit issues can get options for auto financing from Auto Credit Express, a reputable loan matching business that collaborates with trustworthy lenders and dealers. Many borrowers work with the company to repair their credit or locate dependable new or used cars that fit within their spending limits.
Does Auto Credit Express hurt my credit score?
What is Auto Credit Express’s minimum credit score?
Auto Credit Express does not promote a minimum score and focuses on helping people with bad credit. That implies that almost everyone can find a lender or dealer to work within their network. However, very low credit score borrowers might encounter loans with high fees.
Does Auto Credit Express require a down payment?
You can find loans with Auto Credit Express that require little or no down payments. Everything depends on the lender and dealer who are matched with you. However, you can find better rates and cheaper loans in the long run if you can put a sizeable amount of cash down.
Auto Credit Express Company Details
Company Name: Auto Credit Express
Year Founded: 1999
Website: www.autocreditexpress.com
Location: Auburn Hills, MI, U.S.
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About the author
My name is Carlton Wolf, and I’ve been in the car business since 1994, both retail and wholesale. I created the Auto Cheat Sheet to better educate buyers about the deceptive sales practices many dealerships use nationwide. Please understand that not all car dealers are dishonest. However, you never know who you’ll be dealing with, though. I’m willing to share my knowledge and experience with anyone who listens. Keep in mind that I’m a car guy, not a writer.
