Auto Credit Express

Auto Credit Express

 3.2/5 (13 reviews)
Auto Credit Express

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Overall Rating3.2 out of 5
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About Auto Credit Express

Auto Credit Express is an online auto loan matching company that helps you find car loans and dealerships to fit your budget and qualifications. The website offers services for borrowers with bad credit and works with a nationwide dealer network to provide lots of options. It also accepts automobile trade-ins.

Top Auto Credit Express Reviews

Rated with 5 stars

… These guys are super lifesavers. Application process was easy...Easy to fill out, no difficulty in understanding any hidden terms or prices and staff was there to help at every ...

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Rated with 5 stars

… Very easy to use and a great company. They make it easy to get just what you need. Nothing more, nothing less. I’d recommend them… They help if you have any problems. They try t...

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What is Auto Credit Express?

Auto Credit Express is an online tool that helps borrowers with bad credit, no credit or past bankruptcies find auto financing options that work for them. With a network of over 1,000 dealers, this company matches borrowers to suitable lenders and dealerships, including dealers who accept trade-ins and offer leasing programs. Its website also features credit tools and resources.

How does Auto Credit Express work?

If you’re looking to lease, purchase or refinance a vehicle, regardless of your credit score and financial history, Auto Credit Express can find a loan and dealer to suit your situation. To get started, you’ll fill out an online loan request form, which you can track from start to finish in order to compare and choose the best terms for you.

Auto Credit Express interest rates

Interest rates depend on your lender, credit score and financial history. The company’s rates typically follow industry averages, so check your credit score and average range before applying; for example, if your credit score is below 579, you can expect an average interest rate of 14.39% for new cars and 20.45% for used cars. Active duty and retired military members are eligible for loans with lower interest rates, higher approval odds and other benefits.

Auto Credit Express FAQ

Is Auto Credit Express good?

Auto Credit Express is a good option for borrowers with bad or no credit. It has loans for those leasing, purchasing or refinancing vehicles.

Is Auto Credit Express safe?

Customers across the country use Auto Credit Express to find special financing for new and used cars. It offers a secure online application, but you can also apply over the phone.

Where is Auto Credit Express available?

Auto Credit Express is available across the nation.

Where is Auto Credit Express located?

Auto Credit Express is headquartered in Auburn Hills, Michigan. However, it has a nationwide network of dealers and lenders.

Is Auto Credit Express legitimate?

Auto Credit Express is a legitimate loan matching company that works with reputable lenders and dealers to provide auto financing options for people with credit problems. Many borrowers work with the company to re-establish their credit or find reliable new or used cars that meet their budget. Because Auto Credit Express matches you with dealers based on your credit history, the company determines your dealership options.

Auto Credit Express Reviews

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Feb. 11, 2020

No choice of dealers. Please be aware... You DO NOT have a choice of dealer. I did not know this before they ran our credit so now we were approved but can only use the dealer they gave us. We know what kind of car we want unfortunately they chose a different make dealer so we either have to choose a car we don't want or they said we can reapply in 30 days!. You already ran our credit, hard inquiry, and lowered our score!! We would never have applied if we had know we have no choice. Your email to me said you have"hundreds of dealers". You should ask the applicant at the beginning of the process what vehicle they are interested in so you can find that make dealer. Bad business practice!

184 people found this review helpful

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    Rated with 1 star
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    Verified Reviewer Verified Buyer
    Original review: April 23, 2018

    I decided I wanted a 2nd vehicle because I have a van and wanted a car but keep the van. I saw that Auto Credit Express would finance one with no money down and bad credit and small payments. I applied and was accepted. I received an email telling me to go to Farris Motor company in Jefferson City Tennessee, I sent back that I didn't want to deal with those people. I called Auto Credit express to find out what other dealers I could use and a representative told me to go to Farris. I finally did call Farris and spoke with the guy that they told me and was on my when the man called me back and told me I had to have money down and a co signer. This is not what it says on their website.

    185 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 5, 2017

    So I received a call from a car sales place. I told them I wasn't interested which I received an attitude for which is another story... So the manager tells me my app came from this site. I go on get the number to which I can't get anyone to answer. So I try the live chat which now thinks I want to apply for a loan because it must have word recognition instead of me asking how my info was given to them. So needless to say I still have this question and no one to speak to.

    96 people found this review helpful
    Rated with 4 stars
    Verified Reviewer
    Original review: Aug. 25, 2016

    They are very generous with their repayment methods, very good customer service, good at answering any questions that you have. Good at solving any problems that may come up with your payment. They have a very good interest rate. They will provide options on different interests rates. They will give you a quote on your car. Good at helping you understand your interest rate.

    The application process is not that difficult as some other insurance places. They will help you fill it out if you have any trouble, or if you have any problems with the application process. They offer different payment options, and will let you choose the best payment option that is best for you. They will answer any questions that you may have and will help you with your payment.

    35 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 23, 2016

    I have a great payment plan. Every now and then I pay it off through. I have a plan lasting about a year to pay off so I appreciate not having too long. It's an average rate. Not too much for me to pay big. I believe I have a great plan that meets my income standards and such. I feel as though it's the best plan. The process did not take up too much time. It was short and to the point. I did get a great understanding of what I was doing so I didn't feel rushed or unintelligent about it. There was a wide variety of options for me. I picked the best one for me that will not take too much of my funds and will be paid big quickly for me.

    32 people found this review helpful
    Rated with 2 stars
    Verified Reviewer
    Original review: Aug. 22, 2016

    Repayment terms were far below what competitors were offering. Terms were too short and with very high interest. The first quote I received didn't cover my negative equity so I had a large repayment and out of pocket. Interest rates were far above what any other bank was offering me at the time. The person I spoke with tried to explain why, but it didn't make much sense to me. I just think they have a poor reputation from lenders. The application process was fairly straight forward. Standard questions followed by the standard credit check. Their response time was actually fairly quick on the application. There was a monthly payment option and that was it. No semi annual or annual installments and no other options to speak of. There isn't even a website to make your payment; has to be sent through the mail.

    51 people found this review helpful
    Rated with 4 stars
    Verified Reviewer
    Original review: Aug. 18, 2016

    The payments were a fair amount and the term of loan was about what I expected. The loan was one of several that I had explored and the one with the best terms. I was expecting a higher rate than I got for my credit score. Next time a loan is needed they will be in the running and will probably be the one I choose again. The application was your normal and simple application. Did not take a lot of time to complete, was done in less than 15 minutes. Nothing hard about it. The payments were reasonable and the terms of the loan with regards to the length and the interest were not too bad.

    27 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 14, 2016

    Repayment terms are great. They are open, unlike any other companies. However they keep their customers satisfied & I have no complaints, even though I'm a customer. Interest rate was very flexible, not uptight, just right. I'm a customer of the company & I know what I'm talking about, unlike others & seeing is believing. Application process was very easy, simple, easy to understand. There was nothing or any questions about or on it that would make it complicated or time-consuming. Payment options had an awesome graceful time period frame that other companies didn't & this company actually works with you, unlike others.

    16 people found this review helpful
    Rated with 4 stars
    Verified Reviewer
    Original review: Aug. 11, 2016

    The repayment terms are very reasonable. They offer payment options based on your income. They also do adjustments for convenience purposes. The interest rate is pretty low but if payments are consistently late then the interest rate goes up. So pretty much you need to make all payments promptly. The application process is very fast especially if you have all of the required documents upfront. If you have to get more information then it will take longer. There are usually five payment plans. They accept cash, check and or credit card. I chose to use my credit card so my monthly payments are automatically coming out.

    16 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 9, 2016

    It's a great service. Very easy to use and a great company. They make it easy to get just what you need. Nothing more, nothing less. I’d recommend them. Not a bad interest rate. I thought it was very fair and well priced compared to others I had used before. I'd use them again if I needed to use one. Was a very short process and very easy to understand. They help if you have any problems. They try to set you up with a payment you can afford and make it not so bad on you.

    13 people found this review helpful
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    Auto Credit Express Company Information

    Company Name:
    Auto Credit Express
    Year Founded:
    3271 Five Points Drive, Suite 200
    Auburn Hills
    Postal Code:
    United States