At a Glance
- Loan Amounts: $7,000 to $45,000
- APR: Varies by lender
- Loan Terms: 36 to 72 months
- Best For: Borrowers with poor or no credit
👉 Get The Best Rate with Auto Credit Express
Auto Credit Express Overview Auto Credit Express is not a direct lender. It’s an online auto loan marketplace designed to help borrowers—especially those with poor or limited credit—get connected to lenders that may be willing to work with them. Rather than issue the funds directly, Auto Credit Express matches you with dealers or financial institutions based on your income, employment, and credit situation.
If you’re having trouble getting qualified elsewhere or have faced financial hardship in the past such as bankruptcy, Auto Credit Express could be a viable path toward securing vehicle financing.
Loan Snapshot
| New & Used Auto Loans | Refinance Auto Loans | |
| APR | Varies by lender | Varies by lender |
| Loan Amounts | $7,000 to $45,000 | $7,000 to $45,000 |
| Loan Terms | 36 to 72 months | 36 to 72 months |
New and Used Auto Loans Auto Credit Express connects applicants to dealers offering loans for both new and used cars. These loans cater to various credit profiles, including those with little to no credit. However, buyers may be restricted to vehicle options from dealerships within Auto Credit Express’s network.
Auto Loan Refinancing Borrowers seeking to reduce their monthly payments or interest rates can explore refinancing through the platform. Auto Credit Express primarily helps those with good credit in this case, even though the service’s primary focus remains subprime borrowers.
👉 Get The Best Rate with Auto Credit Express
Why Use Auto Credit Express?
- Specialized Bad Credit Financing: Helps connect people with poor credit to lenders that understand subprime profiles.
- Low Income Requirements: Applicants with income as low as $1,500–$2,500/month may qualify.
- Cosigner Option: You can improve your chances of qualifying by applying with a cosigner who has strong credit.
Where Auto Credit Express Excels
- Bad Credit Support: This platform is built around helping borrowers with low credit scores find funding.
- Cosigner-Friendly: Adding a cosigner with good credit can improve your loan offer.
- Modest Income Requirements: Lenders may accept applicants with monthly incomes as low as $1,500.
Where It Falls Short
- Restricted Vehicle Selection: Only vehicles from partnered dealerships qualify.
- Rate Opacity: Auto Credit Express doesn’t disclose specific APR ranges.
- Limited Support Access: Customer service hours are weekdays only; no live chat is available.
Customer Experience & Support
- Phone Support: Available Monday to Friday, 8:30 AM to 5:30 PM ET at 866-902-4403.
- Digital Access: The website is functional but dated, and lacks a live chat feature. Still, the online application form is fast and simple.
How Auto Credit Express Compares
Auto Credit Express vs. CarsDirect
CarsDirect also supports credit-challenged borrowers but offers more flexibility in browsing vehicle inventory. You can search by make and model directly on their website.
Auto Credit Express vs. Fifth Third Bank
Fifth Third Bank is a direct lender with broader eligibility for borrowers with fair credit. While it includes features like autopay discounts, it lacks prequalification tools and operates in select states only.
Basic Qualifications to Apply To qualify for a loan through Auto Credit Express, borrowers generally need:
- U.S. or Canadian residency
- Valid driver’s license
- Proof of monthly income ($1,500–$2,500+)
- Full-time employment or fixed income
- Proof of residence and insurability
- Minimum $1,000 down or 10% of vehicle price
👉 Get The Best Rate with Auto Credit Express
How to Get Qualified
- Submit a Request: Fill out the online form with personal, employment, and income information.
- Get Matched: You’ll be paired with a lender or dealership in your area.
- Buy Your Car: Visit the dealership, verify your info, and finalize the purchase process.
Ratings by Category (New/Used Loans)
- Overall Score: 3.2 / 5
- Availability: 4.3 / 5
- Affordability: 3.4 / 5
- Customer Experience: 3.5 / 5
- Transparency: 2.0 / 5
Industry Expertise With 48 years in business and over 26 lenders reviewed using more than 500 data points, Auto Credit Express is evaluated through a 20-factor system across availability, affordability, customer experience, and transparency.
Get Started Now
Find your best rate today and take the next step toward vehicle ownership.
👉 Get The Best Rate with Auto Credit Express
Disclaimer: This article is for informational purposes only and should not be considered financial advice. Please verify all terms and availability directly with the provider. No specific rates, payments, or loan terms are quoted or guaranteed.
