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Auto Credit Express
Auto Credit Express: 2023 Auto loan review published 2023-01-01 at 00:00:00
Writen by Rebecca Betterton Written by Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ways and pitfalls of borrowing money to purchase a car.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping readers gain the confidence to manage their finances through providing clear, well-researched information that breaks down otherwise complex topics into digestible chunks.
Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by offering interactive tools and financial calculators as well as publishing original and objective content, by enabling you to conduct your own research and compare data for free — so that you can make sound financial decisions. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this site are from companies that pay us. This compensation may impact how and when products are featured on the site, such as, for example, the order in which they appear in the listing categories and other categories, unless prohibited by law for our mortgage, home equity, and other home lending products. This compensation, however, does have no impact on the information we publish, or the reviews that you see on this site. We do not cover the universe of companies or financial offers that may be accessible to you.
About our reviews . Editorial disclosure The reviews are written by staff. Opinions expressed therein are solely those of the reviewer and have not been evaluated or accepted by any advertiser. The information that is included, including rates and fees provided in the review are accurate up to the date when the review first appeared. Check the data on the right as well as 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
Affordability Rating: 3.4 stars out of five
Customer Experience Rating: 3.4 stars out of 5
Transparency Rating: 4 stars out of 5
Check rates for auto loan rates
About the amount of Auto Credit Express loan $5k to $45,000
Min. credit score not specified
APR related to Varies by lender
Funds available in As soon as the day you apply
Auto Credit Express features Auto Credit Express makes automobile ownership feasible for people with bad credit, yet they can carry steep rates.
PROS Credit scores that are not good loans
Encourages co-signers
Minimum monthly income requirements for low-income families
CONS Limited vehicle inventory
Transparency limited
Limited customer support
Auto Credit Express serves as an lender marketplace primarily serving those with low credit scores with no credit or who have previously been denied due to bankruptcy. Its mission is to help drivers secure loans from a reputable dealer even if they have less than perfect credit. Auto Credit Express works with over 900 dealers across the nation to accommodate every driver’s needs for used, new and refinance loans.
Do you qualify? The exact requirements differ based on the lender however, Auto Credit Express outlines the most important requirements to apply for the bad credit loan. You must be at least the age of 18. At least $1500 in monthly earnings. Address and proof of residency. Three years of working experience 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 personal references when you’re looking for bad credit loans you can also expect to make a down payment of at least $1,000 or 10 percent of the price at which you sell the car. Following the lender matching, you can anticipate a hard credit check.
What we love and what don’t Weigh the advantages and drawbacks of an auto loan using Auto Credit Express prior to making an application.
What we like We specialize in bad credit loans. Auto Credit Express partners directly with bad credit lenders to help those with bad credit get access to auto loans. Encourages co-signers. By allowing a co-signer, bad credit drivers receive competitive rates. Low monthly income requirements. Auto Credit Express as a minimum monthly income requirement of $1500. What we don’t like Limited car inventory. It is likely that you will have to use cars from dealerships that partner with us. There is a lack of transparency. There isn’t any information on possible APRs on its website. Limited customer support. Assistance is only available during the week. How do I contact Auto Credit Express Customer support is accessible via an online contact form or by calling at 855-439-0814. Agents are available from Monday to Friday from 8:30 a.m. until 5:30 p.m. ET.
Auto loan types available Auto Credit Express offers loans to purchase new or used automobile loans Refinancing, cash-out, refinance, and leasing. The loan ranges from $5,000 to $45,000. Used and new automobile loans
Loan quick facts Amounts: Between $5,000 and $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 options through their lender network. Rates and terms can vary, however the available loans are tailored specifically to those with bad, good or no credit history in any way. If you are buying new you will be limited to the inventory of Auto Credit Express’s dealerships that are partnered with it. Refinance
Quick facts about loans: Between $5,000 and $45,000 Terms are 36 to 72 months APR: Varies by lender
Refinancing the current auto loan is a fantastic alternative to reduce your monthly payment and adjust your interest rate. Although Auto Credit Express does not provide specific requirements for credit however, their website says that most lenders approve drivers with «good» or above average credit. Thus, although Auto Credit Express specializes in bad credit loans, refi targets customers with higher credit scores. How to apply for an auto loan using Auto Credit Express An application using Auto Credit Express can be done fully online or via the phone. It is likely to take only three minutes, and you will be connected with a dealer within 24 hours after submitting your request. If you’re placed with an lender it will send you a call from a local dealership if you are buying a used or new car and you’ll then be able to choose the vehicle you want to purchase.
Required application information Full name and Social Security number Birth date, address and date of residence address and phone number Housing payment information Employment information Monthly income
Auto Credit Express FAQs
Can you use Auto Credit Express to find lease financing? Yes, you are able to use Auto Credit Express to find lease financing options even if you have less than perfect credit.
Do bankruptcy restrictions prevent you from being approved for the auto loan via Auto Credit Express? Auto Credit Express can help you get an auto loan either during or after bankruptcy. Ideally, you should aim at a car that has a lower price point, make a down payment of the lower of 10 percent of the selling price or $1,000, and bring a cosigner on board (if possible).
How Bankrate rates Auto Credit Express
Overall score
3.6
Availability
3.7
While new, used and refi loans are available, dealership requirements and middle-tier loan amounts result in a lower score.
Affordability
3.4
Acceptance criteria cater to poor credit drivers however with rates and terms varying by the lender as well as the amount of affordability to gauge.
Customer experience
3.4
With the limited hours and poor online reviews, the customer service is skewed lower.
Transparency
4
Auto Credit Express lacks transparency about the rates and terms of service However, it does allow prequalification.
Methodology Bankrate considers 18 data points when rating auto loan lenders. Acceptance criteria, whether rates and fees are accessible and the range of APR all impact lender scores. The scores are divided into four categories. The availability of loans, repayment options, dealership requirements and availability to state make up this category. Accessibility: This section includes APR ranges and acceptance criteria, along with discounts and fees. Customer experience: How long you’ll need to shop, customer service accessibility, and whether or not autopay or an app are available and availability are accounted for by this segment. Transparency: This section accounts for the availability of fees and rates along with the availability of prequalification.
Disclaimer: All reviews are prepared by Bankrate.com staff. The opinions expressed in the review are only those of the reviewer and have not been reviewed or approved by any advertiser. The information such as rates and charges provided in the review are accurate as of the date that the review was written. Review the information on the right and the lender’s website to find the most up-to-date details.
Written by
Rebecca Betterton
Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers to navigate the details of using loans to buy the car they want.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since the end of 2021. They are committed to helping readers gain confidence to take control of their finances through providing precise, well-studied information that breaks down complicated topics into digestible chunks.
Auto loans editor
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How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products andservices or when you click on certain hyperlinks on our site. This compensation could affect the way, location and when products are displayed within the categories of listing, except where prohibited by law. We also offer mortgage home equity, mortgage and other products for home loans. Other factors, such as our own proprietary website rules and whether the product is offered in the area you reside in or is within your own personal credit score could also affect how and where products appear on this site. While we strive to provide an array of offers, Bankrate does not include details about every financial or credit product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |
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