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Auto Credit Express
Auto Credit Express: 2023 Auto loan review Published 2023-01-01 00:00:00
Written by Rebecca Betterton Written by Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the details of using loans to buy an automobile.
Editor: 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 confidence to manage their finances through providing clear, well-researched information that break down complex subjects into bite-sized pieces.
Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by offering interactive financial calculators and tools, publishing original and objective content. We also allow you to conduct research and compare data for free and help you make sound financial decisions. 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 when products are listed on the site, such as for instance, the sequence in which they appear within the listing categories and other categories, unless prohibited by law for our loans, mortgages,, and other products for home loans. This compensation, however, does not influence the information we provide, or the reviews you read on this site. We do not cover the vast array of companies or financial offerings that could be available to you.
Reviewer's disclosure of editorial rights: All reviews are prepared by staff. The opinions expressed in them are only the opinions of the reviewer and are not reviewed or approved by any advertising company. The information that is included, including rates and fees, presented in the review are accurate up to the date when the review first appeared. Look over the information at the top of this page as well as the lender's site for the most up-to-date information.
At a glance 3.6 rating: 3.6 stars out of 5
Bankrate Score
Rating of Availability: 3.7 stars out of 5
Affordability Rating: 3.4 stars out of 5
Customer Experience Rating: 3.4 five stars from 5
Transparency Rating: Four stars from five
Check rates for auto loan rates
About Auto Credit Express Loan amount $5,000 to $45,000
Min. credit score Unspecified
APR related to Varies by lender
Funds are available as soon as the day you make your application
Auto Credit Express features Auto Credit Express allows the possibility of owning a car for those with bad credit, yet they can have high rates.
PROS Credit scores that are not good loans
Encourages co-signers
Low monthly income requirement
CONS Limited vehicle inventory
Transparency is not always clear.
Limited customer support
Auto Credit Express serves as an online lender marketplace primarily serving people with bad credit, no credit and those who have been denied previously because of bankruptcy. Its mission is to help people get loans from a reputable dealer even if they do not have perfect credit. Auto Credit Express works with over 900 dealers across nation to accommodate every driver's needs for used, new and refinance loans.
Do you qualify? The requirements for eligibility vary based on the lender, but Auto Credit Express outlines the principal requirements for applying for an bad credit loan. You must be at least 18 . A minimum of $1,500 in monthly earnings. address and evidence of residence. Three years of employment history with no major gaps Full-time work for at least six months or any other fixed income. Able to obtain auto insurance between six and eight references from personal sources When you are looking for bad credit loans you can also anticipate an initial down payment of at most $1,000 or 10 percent of the selling price of the car. After the lender matching, you may anticipate a hard credit check.
What we love and what do not like. Weigh the benefits and disadvantages of an auto loan with Auto Credit Express prior to submitting an application.
What we like Specialize In bad credit loans. Auto Credit Express partners directly with bad credit lenders to help people with poor credit access to auto loans. Encourages co-signers. Adding a co-signer will help bad credit drivers receive competitive rates. A low monthly income requirement. Auto Credit Express as a minimum monthly income requirement of $1500. What we do not like is limited availability of vehicles. You'll be stuck with vehicles from partner dealerships. A lack of transparency. There isn't any information on possible APRs on its website. Limited customer support. Assistance is available only on weekdays. How to contact Auto Credit Express Customer support is accessible via an online contact form or on the phone at 855-439-0814. Agents are accessible Monday through Friday, from 8:30 a.m. until 5 p.m. ET.
Auto loan types available Auto Credit Express offers loans to purchase new or used vehicle loans Refinancing, cash-out, refinance, and leasing. Financing is available between $5,000 and $45,000. New and used auto loans
Quick facts about loans: From $5,000 to $45,000 Terms of the loan: 36 to 72 month APR: Vary based on lender
If you are seeking to finance a brand used or new vehicle, Auto Credit Express offers various options via its lender network. The rates and terms are different, but the available loans are specifically designed for drivers with good, bad or no credit history in any way. If you're buying new you will be limited to inventory from Auto Credit Express's dealerships that are partnered with it. Refinance
Loan quick facts Amounts: Between $5,000 and $45,000 Terms: 36 to 72 months APR: Varies by lender
Refinancing your current 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 most lenders approve drivers who have "good" and above average credit. So, while Auto Credit Express specializes in bad credit loans, refi is more suited to those who have better credit. How do you apply for a loan using Auto Credit Express An application with Auto Credit Express can be made completely online or over the phone. It's likely to take less than three minutes and you can be matched with a dealer within 24 hours of your application. Once you are placed with an lender it will send you a phone message from a local dealership if you are buying a used or new car and you'll then be able choose the vehicle you want to purchase.
The information required to apply for the job is Full name, Social Security number Birth date, address and the time that you have been living there Email address and phone number Housing payment Employment information Monthly income
Auto Credit Express FAQs
Can you use 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.
Will a bankruptcy prevent you from being approved for Auto loan through Auto Credit Express? Auto Credit Express can help you get a car loan either during or after bankruptcy. In general, you should look for a vehicle with an affordable price you can make a downpayment equal to the lesser of 10 percent of the selling price or $1000, and bring cosigners (if possible).
What rates do Bankrate offer? Auto Credit Express
Overall score
3.6
The availability
3.7
While used, new and refinancing loans are available, the dealership requirements or middle-tier loan amounts will result in lower scores.
Affordability
3.4
Acceptance criteria cater to people with poor credit, however, with terms and rates that vary according to the lender, affordability is tough to gauge.
Customer experience
3.4
The combination of short hours and poor online reviews, customer service slants lower.
Transparency
4
Auto Credit Express lacks transparency about the terms and rates, but does provide prequalification.
Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Criteria for acceptance, whether the rates or fees accessible and APR range all influence lender scores. The scores are divided into four categories. Accessibility : Loan amounts as well as repayment options, dealer requirements, and availability in the state all contribute to this category. Accessibility: This section includes APR ranges and acceptance criteria, as well as fees and discounts. Customer experience: How long you have to shop, the customer service accessibility, and whether or not there's an app and autopay availability are all covered by this segment. Transparency: This section accounts for the availability of fees and rates along with the availability of prequalification.
Disclosure of author: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and are not reviewed or accepted by any advertiser. The information that is included, including rates and fees, presented in the review is accurate up to the date of the review. Check the data on the right and the lender's site for the most recent 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 ways and pitfalls of borrowing money to purchase an automobile.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to take control of their finances through providing concise, well-researched and well-researched content that break down complex subjects into bite-sized pieces.
Auto loans editor
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