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Auto Credit Express Review

Is your credit history or poor credit stopping you from getting loans? Auto Credit Express might be the solution you need for auto financing options.

In our Auto Credit Express review, we’ll be looking at how this company operates through customer reviews, the multiple loan offers, car dealer connections and how it can benefit you for your next car loan application, and more.

Table of Contents:

  • How Does Auto Credit Express Work?
  • Loan Options
  • Application Process
  • Qualifications
  • How Much Can You Borrow?
  • APR
  • Fees
  • Pros & Cons

How Does Auto Credit Express Work?

Auto Credit Express is an online service located in Auburn Hills, MI that helps borrowers with bad credit auto loans.

The company also assists borrowers with credit problems like past bankruptcy issues or no credit to secure new or used car loans.

Auto Credit Express is not a direct lender. Auto Credit Express offers connections from local dealers to prospective borrowers to over a thousand lender partners from across the United States and Canada, who then grant loans to the borrower.

The company offers special finance options to borrowers who usually can’t get a loan because of credit report issues such as repossessions and bankruptcy.

Its lender partners specialize in subprime lending to bad credit or high-risk borrowers. Such lenders often minimize the danger of giving loans to such individuals by charging interest rates that are higher than average.

Because it’s the lender and not Auto Credit Express that determines the interest rate or other terms of the loan, a borrower usually only finds out the interest rate he or she will be paying after earning pre-qualification with a lender.

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Loan Options From Auto Credit Express

The types of loans Auto Credit Express specializes in are bad credit loans and bankruptcy auto loans.

These loans can come in the form of any of the following from a bank, credit union, or other traditional lenders:


This doesn’t require a down payment. Instead of borrowing a significant sum to buy a car, you’ll be borrowing the lesser cost of leasing a car.


If dissatisfied with your current car loan monthly payments, you can use this option to switch to a different car loan with a friendlier rate and loan terms.


This requires a down payment. Repayments are made weekly or biweekly through your checking account, credit card or cash until completed and you become the complete owner of the new car.

Auto Credit Express Application Process

To get a loan through Auto Credit Express, all you need to do is fill a quick online loan request form. The loan request form can also be completed via phone.

You’ll be required to provide information such as your name, housing situation, address, Social Security number, date of birth, monthly income, employment information, and contact information.

Its a simple 4 step online application process on their website.

After this, you’ll be assigned a case manager who will inform you of the options available based on your credit situation (whether you have good credit or poor) and the data you’ve provided.

Within 24 hours, you’ll be notified if you’ve qualified for a loan.

Qualifying for an Auto Credit Express Loan

During our Auto Credit Express review, we discovered that there is no guarantee a borrower will be accepted by one of Auto Credit Express’ lenders.

This is because each of the more than one thousand lenders that works with the company each have their minimum requirements for granting car loans.

If you fail to meet any of the specific minimum requirements of these lenders, you won’t qualify for a loan.

But considering the number of lenders available and their varied requirements, this seems unlikely.

Aside from the requirements of the auto dealer, Auto Credit Express also has a couple of minimum requirements of its own:

  1. First, you must have a monthly income of at least $1,500.
  2. Second, you must be at least 18 years of age.

If you have a fixed source of income, such as a full-time job, it’ll significantly increase your chances of getting the auto loan you desire.

How Much Can You Borrow from Auto Credit Express?

Auto Credit Express doesn’t determine how much you can borrow. It’s credit lenders who do that by looking into your credit, income, and debt-to-income ratio.

The lower your credit score, the lower the loan amount you’ll qualify for, and the higher your interest rate will probably be.

How much income you earn monthly also influences the loan amount you can qualify for.

Your debt-to-income ratio also gives lenders an idea of the loan amount and monthly repayments you can afford.

For an estimate of how much you can get through Auto Credit Express based on the factors mentioned above, use its Car Loan Estimator.

Auto Credit Express APR

Auto Credit Express doesn’t determine the annual percentage rate (APR) on a loan. Its lenders determine the APR based on your specific circumstances.

Borrowers with bad credit who pose a higher risk of defaulting repayments typically get a higher APR.

If you are an average risk borrower with bad credit, the APR on your auto loan may be around 10 percent to 13 percent. But if you are a high-risk borrower, the APR may be far higher.

Auto Credit Express Fees

Auto Credit Express doesn’t charge its clients any fees, making it a cost-effective option for getting an auto loan.

The company offers a free service to clients by charging lenders to become a part of its network.

The Pros and Cons of Auto Credit Express


  • Even if you have bad credit, had a car repossessed in the past, or have declared bankruptcy, there’s still a chance that Auto Credit Express has a lender that’ll be willing to work with you.
  • Auto Credit Express assigns each customer a finance manager who helps them overcome any obstacles to getting a car loan, even if they have bad credit.
  • Members of the military and other service members may be able to access lower down payments, lower interest rates, and discounts.
  • You need minimal requirements to qualify for a loan.
  • Co-signers are allowed.
  • BBB A+ rating and a customer satisfaction rating of 4.44 out of 5 stars.
  • 4 star Trustpilot rating.


  • Because of your bad credit, you may end up with a high-interest rate loan.
  • Your options for getting a car are restricted to dealers within the Auto Credit Express dealership network.
  • After you’ve found a lender, you may keep getting calls from other lenders.

Is Auto Credit Express the Best Choice For You?

Based on our Auto Credit Express review, this service is an excellent choice if you are having trouble getting a car loan due to bad credit or a history of bankruptcy.

But know that the interest rates on a loan will likely be high due to your low credit score.

If your credit rating is good, you are probably better off getting your car loan from elsewhere that guarantees a more favorable interest rate.

Auto Credit Express