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Auto Credit Express
Auto Credit Express: 2023 Auto loan review Published 2023-01-01 00:00:00
Writen by Rebecca Betterton Written by Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ins and outs of securely borrowing money to purchase 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 passionate about helping readers gain confidence to control their finances through providing clear, well-researched information that break down complex topics into manageable bites.
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 tools and financial calculators as well as publishing original and objective content. We also allow you to conduct your own research and analyze data for no cost and help you make financial decisions with confidence. Bankrate has partnerships with issuers, including 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 website come from companies who pay us. This compensation can affect the way and when products are listed on this website, for example, for example, the order in which they may appear within the listing categories, except where prohibited by law. Our mortgage, home equity, and other home loan products. But this compensation does have no impact on the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial deals that may be accessible to you.
Reviewer's disclosure of editorial rights Reviewers are supervised by staff. The opinions expressed are solely those of the reviewer and are not evaluated or acknowledged by any advertising company. The information that is included, including rates and fees, presented in the review are accurate as of the date that the review was written. Look over the information at the top of this page and the lender's site for the most up-to-date details.
At a look 3.6 Score: 3.6 stars out of 5
Bankrate Score
Availability Rating: 3.7 stars out of 5
Cost of Affordability: 3.4 stars out of five
Customers Experience Score: 3.4 stars out of 5
Transparency Rating 4 .
Compare rates for auto loan rates
About the amount of Auto Credit Express loan between $5,000 and $45,000
Min. credit score Not specified
APR related to Varies by lender
Funds are available as soon as the day you apply
Auto Credit Express features Auto Credit Express allows the possibility of owning a car for those with poor credit but can have high rates.
PROS Credit scores that are not good loans
Encourages co-signers
Low monthly income requirement
CONS Limited vehicle inventory
Limited transparency
Limited customer support
Auto Credit Express serves as an online lender marketplace primarily serving drivers with poor credit with no credit or who were previously denied because of bankruptcy. Its goal is to assist customers get loans from reputable dealers even if they do not have perfect credit. Auto Credit Express works with more than 900 dealers across the nation to meet every driver's needs for new, used and refinance loans.
Do you qualify? The exact requirements differ based on the lender, but Auto Credit Express outlines the primary expectations when applying for a bad credit loan. At least 18 years old. A minimum of $1,500 in monthly income. address and evidence of residence. Three years of working experience with no major gaps Full-time work for at least 6 months or other fixed income Able to acquire auto insurance Six to eight personal references When it comes to bad credit loans you can also anticipate the down payment of at least 1000 or 10% of the purchase price of the car. After the lender agreement, the borrower can expect a hard credit inquiry.
What we enjoy and what don't Weigh the advantages and disadvantages of a loan with Auto Credit Express prior to making an application.
What we like 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. What we don't like Limited car inventory. It is likely that you will have to use vehicles from partner dealerships. Low transparency. There is no information regarding possible APRs on its website. Limited customer support. Assistance is available only on weekdays. Contact information for Auto Credit Express Customer support is available through an online contact form or on the phone at 855-439-0814. Agents are available from Monday to Friday between 8:30 a.m. until 5:30 p.m. ET.
Auto loan types available 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
Quick facts about loans: Between $5,000 and $45,000 Terms of the loan: 36 to 72 month APR: varies by lender
If you are looking to finance a used or new vehicle, Auto Credit Express offers options through their lender network. Rates and terms vary but the available loans are tailored specifically to those who have good, bad or no credit history even. If you're 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: From $5,000 to $45,000. Terms of the loan: 36 to 72 month APR: varies by lender
Refinancing your existing auto loan could be a good option to lower your monthly payments and to adjust the rate. Although Auto Credit Express does not provide specific requirements for credit, its website states that the majority of lenders will approve applicants who have "good" and above average credit. Thus, although Auto Credit Express specializes in bad credit loans, refi targets customers who have better credit. How to apply for an auto loan using Auto Credit Express An application with Auto Credit Express can be done fully online or via the phone. It is likely to take only three minutes and you can be connected with a dealer within 24 hours of submitting your application. After you have been placed with an lender you will receive a phone call from the local dealership , if you're buying a used or new car and you'll then be able choose the vehicle you want to purchase.
Required application information Full name, Social Security number Birth date, address and time living there Email address and number for housing payment and 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 getting approved for Auto loan with Auto Credit Express? Auto Credit Express can help you secure an auto loan in the event of bankruptcy or following. The ideal scenario is to look for a vehicle with an affordable price you can make a downpayment that is the lesser of 10% of the sale price or $1000, and bring a cosigner on board (if it is possible).
How do rates at Bankrate work? Auto Credit Express
Overall score
3.6
Availability
3.7
While used, new and refi loans are readily available, dealership requirements and middle-tier loan amounts produce a lower score.
Affordability
3.4
Acceptance criteria cater to those with low credit scores, but with terms and rates that are influenced by the lender, affordability is tough to gauge.
Customer experience
3.4
With the limited hours and poor online reviews, customer service slants lower.
Transparency
4
Auto Credit Express lacks transparency regarding the terms and rates, but does provide prequalification.
Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Criteria for acceptance, whether rates and fees are offered and the range of APR all impact lender scores. The scores are divided into four categories. Availability : Loan amounts and repayment options, dealership requirements and state availability all make up this category. Affordability: This section contains APR ranges and acceptance criteria, along with discounts and fees. Customer experience: How long you have to shop, the customer service accessibility, and whether or not 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 and whether or not prequalification is offered.
Disclosure of author The reviews are written by Bankrate.com staff. The opinions expressed are solely those of the reviewer and have not been reviewed or acknowledged by any advertising company. The information, including rates and fees provided in the review are accurate up to the date when the review first appeared. Review the information on the right as well as the lender's site for 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 to navigate the details of taking out loans to purchase an automobile.
Editor: Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain confidence to manage their finances by providing clear, well-researched information that breaks down complicated topics into digestible chunks.
Auto loans editor
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