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Auto Credit Express
Auto Credit Express: 2023 Auto loan review, published 2023-01-01 at 00:00:00.
Authored by Rebecca Betterton Written by Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the ins and outs of securely taking out loans to purchase the car they want.
The edit was done by Rhys Subitch Edited by Auto loans editor
Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain confidence to manage their finances through providing concise, well-studied and well-researched content that breaks down otherwise complex topics into manageable bites.
Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive financial calculators and tools that provide objective and original content. This allows users to conduct research and compare information for free to help you make informed financial decisions. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that appear on this website are provided by 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 may appear within the listing categories, except where prohibited by law for our loans, mortgages,, or other home lending products. But this compensation does affect the content we publish or the reviews that you read on this site. We do not include the universe of companies or financial offerings that could be accessible to you.
About our reviews Editorial disclosure: All reviews are prepared by our staff. Opinions expressed therein are solely the views of the reviewer. They are not reviewed or accepted by any advertiser. The information such as rates and charges provided in the review are accurate at the time of the review. Review the information on the right as well as the lender's site for the most up-to-date details.
A glance 3.6 Score: 3.6 stars out of five
Bankrate Score
Rating of Availability: 3.7 stars out of 5
The Affordability Score: 3.4 stars out of five
The Customer Service Rating is 3.4 5 stars. 5
Transparency Rating 4 stars out of 5
Find out about rates for auto loan rates
About Auto Credit Express Loans from $5,000 to $45,000
Min. credit score not specified
The APR Varies by lender
Funds are available as soon as the day you apply
Auto Credit Express features Auto Credit Express can make the possibility of owning a car for those who have poor credit, but they will have high 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 a lender marketplace that primarily serves people with bad credit or no credit, as well as those who were previously denied because of bankruptcy. The goal of the company is to help drivers secure loans from a reputable dealer even if they do not have perfect credit. Auto Credit Express works with over 900 dealers across the nation to accommodate the needs of every driver for new, used and refinance loans.
Do you qualify? The specific requirements vary depending on the lender and the lender, however Auto Credit Express outlines the most important requirements to apply for a bad credit loan. You must be at least 18 . 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 six months or have other fixed income Able to acquire auto insurance Six to eight personal references When you are looking for bad credit loans you can also expect to make a down payment of at most $1,000 or 10 percent of the selling price of the car. After the lender match, you may anticipate a hard credit check.
What we enjoy and what don't Weigh the advantages and drawbacks of the loan through Auto Credit Express prior to submitting 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. 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. There is a lack of transparency. There is no information about potential APRs on the website. Limited customer support. Assistance is available only on the weekdays. Contact information for Auto Credit Express Customer support is available through an online form or by calling at 855-439-0814. Agents are available Monday through Friday, from 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 from $5,000 to $45,000. Used and new auto loans
Quick facts about loans: $5,000 to $45,000. Terms of the loan: 36 to 72 month APR: varies by lender
If you're seeking to finance a brand new or used vehicle, Auto Credit Express offers various options via their lender network. Rates and terms can vary, however the available loans are tailored specifically to those with good, bad or none even. If you're purchasing new you will be limited to inventory from Auto Credit Express's dealerships that are partnered with it. Refinance
The loan amount is Between $5,000 and $45,000 Terms: 36 to 72 months APR: Vary based on lender
Refinancing your current auto loan can be a great option to lower your monthly payment and adjust your interest rate. While 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 to apply for an auto loan through Auto Credit Express An application through Auto Credit Express can be completed online or over the phone. It will likely take just three minutes to be connected to a dealer within 24 hours of your application. Once you are placed with a lender the lender will give you a telephone call from the local dealership if you are buying new or used and will then be able choose your car.
Required application information Full name Social Security number Date of birth 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 can 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 the auto loan through Auto Credit Express? Auto Credit Express can help to secure a car loan either during or after bankruptcy. Ideally, you should aim at a car that has an lower cost, make a down payment that is the lesser of 10% of the sale price, or $1,000 and then bring an additional cosigner (if possible).
What rates do Bankrate offer? Auto Credit Express
Overall score
3.6
Accessibility
3.7
Although used, new and refinancing loans are readily available, dealership requirement as well as middle-tier loan amounts will result in a lower score.
Affordability
3.4
Acceptance criteria target people with poor credit, but with terms and rates that vary by lender, affordability is tough to determine.
Customer experience
3.4
With the short hours and poor online reviews, the customer service slants lower.
Transparency
4
Auto Credit Express lacks transparency regarding its rates and terms However, it does allow prequalification.
Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Criteria for acceptance, whether rates and fees are accessible and the APR range all affect lender scores. The scores are divided into four categories. The availability of loans and repayment options, dealership requirements, and availability in the state all contribute to this section. Affordability: This section contains APR ranges, acceptance criteria, fees and discounts. Customer experience: The length of time you'll need to spend shopping, customer service accessibility, and whether or not autopay or an app are available and availability are accounted for in this section. Transparency: This category is responsible for the accessibility of rates and fees as well as the availability of prequalification.
Disclaimer: All reviews are prepared by Bankrate.com staff. The opinions expressed are solely the opinions of the reviewer and are not reviewed or approved by any advertising company. The information such as rates and charges provided in the review is accurate up to the date that the review was written. Look over the information on the right as well as the lender's website to find the most up-to-date information.
Written by
Rebecca Betterton
Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the ways and pitfalls of taking out loans to purchase an automobile.
Editor: Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain the confidence to take control of their finances through providing precise, well-studied information that break down complex subjects into bite-sized pieces.
Auto loans editor
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