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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 ways and pitfalls of using loans to buy the car they want.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been writing and editing for Bankrate since the end of 2021. They are dedicated to helping readers gain the confidence to take control of their finances through providing concise, well-studied and well-researched content that breaks down complicated topics into digestible chunks.
Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by providing you with financial calculators and interactive tools that provide objective and original content. This allows you to conduct research and analyze data for no cost to help you make financial decisions with confidence. Bankrate has agreements with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are displayed on this website come from companies that pay us. This compensation could affect how and where products appear on the site, such as for instance, the order in which they appear in the listing categories, except where prohibited by law. This applies to our loan products, such as mortgages and home equity, or other products for home loans. But this compensation does have no impact on the content we publish or the reviews you see on this site. We do not contain the entire universe of businesses or financial offerings that could be open to you.
About our reviews . Editorial disclosure The reviews are written by staff. The opinions expressed are solely those of the reviewer and are not checked or acknowledged by any advertising company. The information that is included, including rates and fees provided in the review is accurate as of the date that the review was written. Check the data at the top of this page, and the lender's site for the most current information.
A quick look 3.6 Score: 3.6 stars out of five
Bankrate Score
Available Rating: 3.7 stars out of 5
Affordability Rating: 3.4 stars out of five
The Customer Service Rating is 3.4 5 stars. 5
Transparency Rating 4 stars out of 5
Check auto loan rates
About Auto Credit Express Loans from between $5,000 and $45,000
Min. credit score Not specified
APR from Varies by lender
Funds will be available as early as the day you apply
Auto Credit Express features Auto Credit Express makes the possibility of owning a car for those with poor credit but can have high rates.
PROS Bad credit 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 primarily serves those with low credit scores, no credit and those who were previously denied due to bankruptcy. The goal of the company is to help people get loans from reputable dealers even if they have less than perfect credit. Auto Credit Express works with over 900 dealers across nation to accommodate all the requirements of drivers for new, used 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 a bad credit loan. Be at least the age of 18. At least $1500 in monthly income. Address and proof of residency. Three years of working experience without major gaps Full-time employment for at least six months or have other fixed income. able to get auto insurance from six to eight personal references When you're looking for bad credit loans you can also expect to pay the down payment of $1,000 or 10 percent of the purchase price of the car. In the event of a lender matching, you could anticipate a hard credit check.
What we like and what we don't like Weigh the advantages and drawbacks of a loan using 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 those with bad credit get access to auto loans. Encourages co-signers. Adding a co-signer will help bad credit drivers receive competitive rates. A 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. Low transparency. There isn't any information on 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 available through an online contact form or by calling at 855-439-0814. Agents are available from Monday to Friday between 8:30 a.m. to 5 p.m. ET.
Auto loan types available Auto Credit Express offers loans for the purchase of new or used automobile loans refinancing, cash out, refinance and leasing. Financing is available between $5,000 and $45,000. Used and new automobile loans
Loan quick facts Amounts: $5,000 to $45,000 Terms: 36 to 72 months APR: Vary based on lender
If you are seeking to finance a brand used or new vehicle, Auto Credit Express offers options through the lender network. Rates and terms can vary, however the available loans are tailored specifically to those who have good, bad or none even. If you're purchasing new, you'll only be limited to inventory from Auto Credit Express's partnered dealerships. Refinance
Quick facts about loans: From $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 alternative to reduce your monthly payment and adjust your rate. Although Auto Credit Express does not provide specific requirements for credit, its website states that most lenders approve drivers who have "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 a loan with Auto Credit Express An application using Auto Credit Express can be completed online or over the phone. It's likely to take less than three minutes to be matched to a dealer within 24 hours after submitting your request. If you're matched with an lender the lender will give you a phone call from the local dealership if you are purchasing a new or used vehicle and you'll then be able to choose your car.
Information required for application: Full name, Social Security number Birth date, address and the time that you have been living there Email address and number for housing payment Employment information Monthly income
Auto Credit Express FAQs
Do you have the option of using Auto Credit Express to find lease financing? Yes, you can 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 through Auto Credit Express? Auto Credit Express can help to secure an auto loan in the event of bankruptcy or following. The ideal scenario is to look to purchase a car with a lower price point you can make a downpayment equal to the lesser of 10% of the sale price or $1000 and get an additional cosigner (if possible).
How do rates at Bankrate work? Auto Credit Express
Overall score
3.6
The availability
3.7
Although used, new and refi loans are available, dealership requirement as well as middle-tier loan amounts will result in lower scores.
Affordability
3.4
Acceptance criteria target people with poor credit, however, with terms and rates that are influenced by lender as well as the amount of affordability to gauge.
Customer experience
3.4
The combination of limited hours and poor online reviews, the customer service slants lower.
Transparency
4
Auto Credit Express lacks transparency around the terms and rates However, it does allow prequalification.
Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Criteria for acceptance, whether charges and rates are offered and the range of APR all impact lender scores. These scores are split into 4 categories. Availability : Loan amounts, repayment options, dealership requirements, and availability in the state all are a part of this section. Accessibility: This section includes APR ranges, acceptance criteria, discounts and fees. 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 by this segment. Transparency: This section accounts for the availability of fees and rates along with whether prequalification is available.
Disclosure of author: All reviews are prepared by Bankrate.com staff. The opinions expressed are solely the views of the reviewer. They have not been reviewed or accepted by any advertising company. The information that is included, including rates and fees provided in the review are accurate up to the date of the review. Check the data on the right as well as the lender's website to find the most current details.
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 using loans to buy an automobile.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to control their finances by providing clear, well-researched information that breaks down complicated subjects into bite-sized pieces.
Auto loans editor
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