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Auto Credit Express
Auto Credit Express: 2023 Auto loan review Published 2023-01-01 00:00:00
Authored by Rebecca Betterton Written by Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the ins and outs of securely borrowing money to purchase a car.
Editor: Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping readers gain confidence to take control of their finances through providing clear, well-researched information that breaks down complicated topics into manageable bites.
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 users to conduct research and compare data for free to 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 Make Money The offers that appear on this site are from companies who pay us. This compensation can affect the way and when products are listed on the site, such as for instance, the sequence in which they be listed within the categories of listing, except where prohibited by law for our loan products, such as mortgages and home equity, or other products for home loans. However, this compensation will affect the content we publish 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.
About our reviews . Editorial disclosure: All reviews are prepared by our staff. The opinions expressed are solely those of the reviewer and have not been checked or accepted by any advertiser. The information that is included, including rates and fees, presented in the review is accurate as of the date that the review was written. Look over the information at the top of this page and the lender's website for the most up-to-date details.
A look 3.6 rating: 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 5
The Customer Service Rating is 3.4 5 stars. 5
Transparency Rating: 4 stars out of 5
Compare rates for auto loan rates
About Auto Credit Express Loans from between $5,000 and $45,000
Min. credit score not specified
The APR Varies by lender
Funds available in As soon as the day that you apply
Auto Credit Express features Auto Credit Express allows the possibility of owning a car for those with bad credit, yet they can be a bit expensive.
PROS Poor credit loans
Encourages co-signers
A low monthly income requirement
CONS Limited vehicle inventory
Transparency limited
Limited customer support
Auto Credit Express serves as an online lender marketplace primarily serving people with bad credit with no credit or who were previously denied due to bankruptcy. The goal of the company is to help customers get loans from a trusted dealer even with less than perfect credit. Auto Credit Express works with more than 900 dealers across the country to fit the needs of every driver for both new and used refinance loans.
Do you qualify? The requirements for eligibility vary based on the lender and the lender, however Auto Credit Express outlines the most important requirements to apply to get a bad credit loan. Be at minimum the age of 18. At least $1500 in monthly earnings. Proof of residence and address 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 it comes to bad credit loans you can also expect to make the down payment of at least 1,000 or 10 percent of the purchase price of the vehicle. Following the lender agreement, the borrower can anticipate a hard credit check.
What we enjoy and what don't like Weigh the advantages and drawbacks of a 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. Co-signing with a co-signer can help bad credit drivers receive competitive rates. A low monthly income requirements. Auto Credit Express as a minimum monthly income requirement of $1,500. What we do not like is limited vehicle inventory. You will be stuck with vehicles from partner dealerships. Low transparency. There isn't any information on potential APRs on the website. Limited customer support. Assistance is available only on the weekdays. How to contact Auto Credit Express Customer support is accessible through an online contact form or via phone at 855-439-0814. Agents are available Monday through Friday from 8:30 a.m. to 5:30 p.m. ET.
Auto loan types available Auto Credit Express offers loans for buying new or used vehicles, loans refinancing, cash out, refinance and leasing. The loan ranges between $5,000 and $45,000. Used and new auto loans
Loan quick facts Amounts: Between $5,000 and $45,000 Terms of the loan: 36 to 72 month APR: Varies by lender
If you are trying to finance a new or used car, Auto Credit Express offers various options via its lender network. The rates and terms are different, but the available loans cater directly to drivers with good, bad or none even. If you're purchasing new, you'll only be limited to Auto Credit Express's partnered dealerships. Refinance
Quick facts about loans: Between $5,000 and $45,000 Terms are 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 your rate. While Auto Credit Express does not provide specific requirements for credit however, their website says that most lenders approve drivers who have "good" (or above-average) credit. Therefore, even though Auto Credit Express specializes in bad credit loans, refi caters more to drivers who have better credit. How do you apply for a loan through Auto Credit Express An application with Auto Credit Express can be done fully online or via the phone. It will likely take just three minutes, and you will be matched with a dealer within the first 24 hours of your application. After you have been matched with a lender you will receive a message from a local dealership if you are purchasing a new or used vehicle and you'll then be able choose your vehicle.
Information required for application: Full name Social Security number Birth date, address and time living there Email address and telephone number Housing payment Employment information Monthly income
Auto Credit Express FAQs
Are you able to use Auto Credit Express to find lease financing? Yes, you are able to use Auto Credit Express to find lease financing options even in the event that you do not have perfect credit.
Will a bankruptcy prevent you from being approved for an auto loan through Auto Credit Express? Auto Credit Express can help you secure an auto loan in the event of bankruptcy or following. Ideally, you should aim to purchase a car with an lower cost and make a down payment equal to the lesser of 10% of the sale price or $1000, and bring a cosigner on board (if possible).
What rates do Bankrate offer? Auto Credit Express
Overall score
3.6
Availability
3.7
While new, used and refi loans are available, the dealership requirement or middle-tier loan amounts produce a lower score.
Affordability
3.4
Acceptance criteria are designed to accommodate people with poor credit, but with terms and rates that are influenced according to the lender, affordability is tough to measure.
Customer experience
3.4
In the combination of limited hours and poor online reviews, customer service is skewed lower.
Transparency
4
Auto Credit Express lacks transparency about the terms and rates however, it does offer prequalification.
Methodology Bankrate considers 18 data points when rating auto loan lenders. Acceptance criteria, charges and rates are accessible and the APR range all affect lender scores. These scores are broken up in four different categories. Availability : Loan amounts and repayment options, dealership requirements and state availability all are a part of this category. Accessibility: This section includes APR ranges and acceptance criteria, as well as fees and discounts. Customer experience: The length of time you'll need to shop, the customer service availability, whether there's an app and autopay availability are accounted for in this section. Transparency: This category accounts for the accessibility of rates and fees as well as the availability of prequalification.
Disclosure of author Reviewers are supervised by Bankrate.com staff. Opinions expressed therein are solely the opinions of the reviewer and have not been evaluated or accepted by any advertising company. The information, including rates and fees provided in the review is correct up to the date that the review was written. Look over the information in the upper right hand corner of the page, and the lender's website for the most up-to-date 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 using loans to buy a car.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain the confidence to control their finances with clear, well-researched information that break down complex topics into manageable bites.
Auto loans editor
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