Auto Credit Express Review

Caroline Banton

In a Nutshell

If you have poor credit and are looking for an auto loan with competitive rates and terms, Auto Credit Express may be the loan provider for you. Auto Credit Express focuses on helping borrowers with less than ideal credit find the best rates and terms. With a variety of loan types available and a personalized approach, Auto Credit Express can help you get behind the wheel of the car you’ve always wanted.

pros

  • Helps customers with no credit and a history of bankruptcy
  • A variety of loan types

cons

  • Provides limited information on loan terms and rates
  • Limited customer support channels

AutoCreditExpress AutoCreditExpress Visit Site

Auto Credit Express at a Glance  

If you have poor credit and want to improve your credit standing, Auto Credit Express can help. The company’s network partners offer new car purchases or leasing loans and can help you find a financing solution to purchase a reliable car regardless of your credit score. 

Auto Credit Express’ network of lenders includes car dealers that can readily offer customers with poor credit the ability to purchase cars directly. Moreover, the company offers auto insurance and a variety of educational resources. These resources are designed to help you identify the best strategies for responsible financing and boost your credit score by displaying sensible financial habits. 

Founded in 1999, Auto Credit Express was created by Rich LaLonde, who discovered that dealerships were consistently rejecting customers with lower credit scores who needed financing solutions. The company quickly developed a system geared towards subprime auto financing, which evolved into Auto Credit Express. Today, the company has a vast network of over 1,200 dealerships and loan providers dedicated to helping customers with poor credit and first-time buyers access financing services without negatively affecting their finances. 

Best For?

Auto Credit Express focuses on borrowers with weak credit, and it is an alternative source of financing if you need a dependable vehicle but lack the creditworthiness to access a loan elsewhere.

Auto Credit Express Features

In addition to its lending services, Auto Credit Express goes a step further by connecting low and no credit customers with the vehicle dealers that are most likely to be the right fit. Auto Credit Express also hosts a series of financial educational resources on its website, including loan and payment calculators, videos, articles, and an insightful blog that is updated frequently with helpful materials. You can sign up for a newsletter that delivers finance-related guides and articles directly to your inbox. 

Some highlights include:

  • Loans for customers with weak credit
  • Financing for borrowers with open bankruptcies
  • Extensive educational resources
  • A streamlined application process
  • A variety of loan types
  • Pre-qualification in minutes
  • The opportunity to improve your credit rating while paying off a loan

Application Process

Getting started with Auto Credit Express takes only a few minutes. The first step is to fill out a quick application that collects some personal details, including contact and basic identification, employment information, income, and residence status. To apply for most loans, you must meet the following requirements:

  • A monthly pre-tax income of at least $1,500
  • Be at least 18 years or older
  • Reside in the United States or Canada
  • Be a citizen or permanent legal resident of the United States or Canada
  • Have full-time employment or guaranteed fixed income
  • Have a working phone number

Once you fill out the initial application, you will be pre-qualified before you are matched to the best dealer and lender. 

Loan Types and Terms

Auto Credit Express is geared toward customers seeking loans for new and pre-owned autos or leasing options. These loans are comparable with traditional financing options for cars. Financing with Auto Credit Express offers you the ability to find the right vehicle for you. The provider is an excellent choice if you prefer not to make a long-term auto commitment and prefer the flexibility of a lease agreement.

If you access conventional financing for any reason, Auto Credit Express can help. Dealers within the network offer the following:

  • “Buy here, pay here” dealers
  • “Finance anyone” dealerships
  • “Rent-to-own” dealerships

How Safe is It?

Auto Credit Express’ privacy policy is transparent when it comes to the information the company collects from customers. The website also details how you can opt-out of this data collection in most cases. Auto Credit Express explains what information it shares with partners and why. The platform uses strict security measures to protect customer data and employs industry-standard security measures, including encryption during data transmission and storage. Auto Credit Express installs physical and electronic protections for its data centers and servers.

Repayment Options

As Auto Credit Express is not a direct lender, it does not handle payment processing or financing options. Its partners do, however, offer standard repayment options. However, the website lacks information regarding representative interest rates, terms, and loan amounts. With Auto Credit Express’ loan and payment calculators, you gain a better idea of your repayment obligations and the terms you are eligible to receive.

Help & Support

You can contact Auto Credit Express via a toll-free number or an online contact form. Waiting times over the phone are generally minimal, and queries via email are usually answered within a day. 

AutoCreditExpress AutoCreditExpress Visit Site

Summary

Auto Credit Express offers services to a demographic that is underserved. By focusing on borrowers with poor credit, bankruptcies, or first-time buyers, this lender’s network can help you improve your credit score while finding a vehicle to purchase or lease. Auto Credit Express offers a variety of services and outstanding support. Auto Credit Express is an ideal fit if you are looking for a loan to help you improve your credit while allowing you to steer the process in the direction you want.

Physical Address

Auto Credit Express

3271 Five Points Drive, Suite 200

Auburn Hills, MI

48326

Caroline Banton is a freelance writer of business and finance articles that have been featured in The Huffington Post, The Motley Fool, Time, MSN, PYMNTS.com, GOBankingrates.com, SaleMove, and MyBankTracker.com. Before becoming a writer, Caroline had over fourteen years of experience working at the World Bank. Caroline has an MBA from Johns Hopkins University.

AutoCreditExpress customer reviews

Based on 30 reviews

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Top Reviews

Brittany, OH
9 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

They were easy to work with to get the loan I wanted, there was just some things that I would like that would different in the process. For example, it took awhile to process my credit and background.

Deavion, OH
7 months ago

I had an issue the first time I tried to get a loan. I ended up coming back after trying something else and it worked the second time. A hassle but at least it worked

FB, MI
10 months ago

Good interest rate. Great costumer service, they addressed all my concerns and questions. They helped me understand the details of my payment and the options available to me. I am very satisfied with their service.

Lou, LA
10 months ago

My husband and I had a very easy time with the loan process and would give it a five star rating. Got the car we wanted with the loan.

Jonathan, FL
8 months ago

I think the service was useful and worked pretty well for my needs and fulfilled my requirements. I would probably recommend it to my family members and other friends that are in need of a car loan.

Fabian, FL
8 months ago

Because it's really good and allows you to choose the auto insurance what one needs

Julia, TX
8 months ago

I like AutoCreditExpress. When I needed a car loan, they have a very easy to use website which helps estimate the amount you need on a loan. I didn't like how much personal information they asked for.

Mark, MA
9 months ago

When I needed help with financing an automobile Auto Credit Express made everything very smooth and easy to complete.

Angela, KY
8 months ago

My overall rating was excellent. I would recommend this company to family and friends. The rep that I spoke with was very knowledgeable and helpful. I got the car and loan that I had wanted

DD, TN
7 months ago

Friendly, quick , willing to work with me when my credit was bad, easy to apply for. Application was easily understood and I got what I needed.

Brittany, GA
9 months ago

It is okay but it checked my credit. And the interest was much higher than I would have liked. I got the car I wanted however.

JW, OR
10 months ago

They have great customer service, their rates are very reasonable, and they treat me like a human being

Joseph, TN
a year ago

There a company you can always rely on when you go to them and they make it easy for you to do things

Sarah, FL
7 months ago

Because it's an easy to use site that get's you the loan that you're looking for. Simple process, although website could look better.

MM, OR
a year ago

I like how customers service treat me but kind of too expensive. It's a great way to get a loan. It's super easy to use the app.

Bessie, LA
10 months ago

They are very fair in finding the best possible policy for you. Stick to their word. Easy to understand website and loan application process.

Christy, MO
a year ago

It was a very confusing process with inadequate customer service. The website is archaic and not user friendly.

Elizabeth, CA
a year ago

Well I think I could of been gotten a loan with better a interest rate. The service was alright I did get the loan in okay time.

Donald, CA
7 months ago

I have had bad experiences with this company. It didn't feel like I was doing business with a legitimate organization.

Liz, MD
10 months ago

Gave it this rating since it easy to use, I have had no problems with the loan, either getting it or paying it off. As long as very thing keeps going well I'm happy

30 reviews