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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 ins and outs of securely 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 the confidence to control their finances through providing precise, well-studied information that break down complex subjects into bite-sized pieces.

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 as well as publishing original and objective content. We also allow you to conduct your own research and compare information for free to help you make sound financial decisions. Bankrate has agreements 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 who pay us. This compensation may impact how and where products appear on the site, such as, for example, 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, or other products for home loans. However, this compensation will have no impact on the information we provide, or the reviews appear on this website. We do not contain the entire universe of businesses or financial deals that may be available to you.

About our reviews Editorial disclosure The reviews are written by staff. Opinions expressed therein are solely the opinions of the reviewer and have not been checked or acknowledged by any advertiser. The information, including rates and fees provided in the review are accurate as of the date that the review was written. Look over the information on the right and the lender’s site for the most up-to-date information.

A quick look 3.6 rating: 3.6 stars out of 5

Bankrate Score

Rating of Availability: 3.7 stars out of 5

Cost of Affordability: 3.4 stars out of 5

Customers Experience Score: 3.4 stars out of 5

Transparency Rating Four stars from five

Find out about auto loan rates

About the amount of Auto Credit Express loan $5k to $45,000

Min. credit score Not specified

APR from Varies by lender

Funds available in As soon as the day you apply

Auto Credit Express features Auto Credit Express can make automobile ownership feasible for people who have poor credit, but they will be a bit expensive.

PROS Credit scores that are not good loans

Encourages co-signers

A low monthly income requirement

CONS Limited vehicle inventory

Limited transparency

Limited customer support

Auto Credit Express serves as a lender marketplace that is primarily geared towards drivers with poor credit or no credit, as well as those who were previously denied because of bankruptcy. Its mission is to help people get loans from reputable dealers even if they have less than perfect credit. Auto Credit Express works with more than 900 dealers across the nation to accommodate every driver’s needs for new, used and refinance loans.

Do you qualify? The exact requirements differ based on the lender however, Auto Credit Express outlines the primary expectations when applying to get the bad credit loan. At minimum the age of 18. At least $1500 in monthly income. Proof of residence and address residency. Three years of employment history with no major gaps Full-time work for at least 6 months or have other fixed income. able to get auto insurance Six to eight references from personal sources When you are looking for bad credit loans you can also expect to make an initial down payment of at least $1,000 or 10 percent of the price at which you sell the car. After the lender agreement, the borrower can anticipate a hard credit check.

What we love and what do not like. Weigh the benefits and drawbacks of the loan with 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 credit challenged consumers access auto loans. Encourages co-signers. Adding a co-signer will help bad credit drivers receive competitive rates. Low monthly income requirements. Auto Credit Express as a minimum monthly income requirement of $1500. We don’t like limited vehicle inventory. You will be stuck with vehicles from partner dealerships. There is a lack of transparency. There is no information about possible APRs on the website. Limited customer support. Assistance is available only during the week. How do I contact Auto Credit Express Customer support is through an online form or via phone at 855-439-0814. Agents are accessible Monday through Friday, from 8:30 a.m. to 5:30 p.m. ET.

Auto loan types offered Auto Credit Express offers loans for the purchase of new or used vehicles, loans refinancing, cash out, refinance and leasing. Finance is available between $5,000 and $45,000. Used and new auto loans

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

If you’re trying to finance a used or new vehicle, Auto Credit Express offers choices through its lender network. Rates and terms vary but available loans are tailored specifically to those with bad, good or none at all. If you’re purchasing new, you’ll only be limited to the inventory of Auto Credit Express’s dealerships that are partnered with it. Refinance

Loan quick facts Amounts: $5,000 to $45,000 Terms of the loan: 36 to 72 month APR: varies by lender

Refinancing the current auto loan is a fantastic option to lower your monthly payment and adjust your rate. While Auto Credit Express does not disclose specific credit requirements on its website, it does state that most lenders accept drivers with “good” and above average credit. Therefore, even though Auto Credit Express specializes in bad credit loans, refi targets customers who have better credit. How do you apply for an auto loan through Auto Credit Express An application with Auto Credit Express can be made completely online or over the phone. It is likely to take only three minutes and you can be matched to a dealer within 24 hours of your application. If you’re matched with an lender you will receive a telephone call from a local dealership , if you’re buying a used or new car and you’ll then be able to select your car.

The information required to apply for the job is Full name, Social Security number Birth date, address and date of residence 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 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 being approved for an auto loan through Auto Credit Express? Auto Credit Express can help you get an auto loan during or after bankruptcy. The ideal scenario is to look at a car that has an affordable price, make a down payment of the lower of 10 percent of the selling price or $1000, and bring a cosigner on board (if possible).

How Bankrate rates Auto Credit Express

Overall score

3.6

The availability

3.7

Although used, new and refinancing loans are available, dealership requirement as well as middle-tier loan amounts produce a lower score.

Affordability

3.4

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 measure.

Customer experience

3.4

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

Transparency

4

Auto Credit Express lacks transparency around its rates and terms However, it does allow prequalification.

Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Acceptance criteria, whether charges and rates are available and the APR range all affect lender scores. The scores are divided into 4 categories. The availability of loans as well as repayment options, dealer requirements, and availability in the state all are a part of this category. Accessibility: This section includes APR ranges, acceptance criteria, fees and discounts. Customer experience: The length of time you’ll need to spend shopping, customer service availability, whether autopay or an app are available and availability are all covered within this category. Transparency: This category is responsible for the availability of fees and rates along with whether prequalification is available.

Disclosure of author The reviews are written by Bankrate.com staff. The opinions expressed are solely the views of the reviewer. They have not been evaluated or approved by any advertising company. The information, including rates and fees, presented in the review is correct as of the date that the review was written. Look over the information in the upper right hand corner of the page and the lender’s website to find the most up-to-date information.

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.

The edit was done 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 the confidence to take control of their finances through providing concise, well-researched and well-researched content that breaks down otherwise complex subjects into bite-sized pieces.

Auto loans editor

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