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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.
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.
Auto Credit Express appears frequently and prominently on auto sales websites such as Auto Trader and Cars.com exclaiming "you can pick your car." What they do NOT tell you is they pick the dealer and never disclose any of the terms. You are not told loan amount approval, contract terms or interest rate. Their phone number is a maze of other offers such as "trips to the Bahamas," alerts for seniors, Dish TV service etc. and you never reach Auto Credit Express nor do they answer email inquiries. Don't waste your time or allow them to add an inquiry to your credit file. Apparently you are to visit the dealer they select and then they shoehorn you into a vehicle and terms you never wanted. Stay away!!
Auto Credit Express expert review by Lauren Fix
Auto Credit Express offers loans and dealer connections, and it caters particularly to borrowers with bad credit. The company works in both the U.S. and Canada. They also have special financing programs for people with credit problems.
Easy application: Auto Credit Express makes it super easy to apply for loans on the phone or online, and they process thousands of applications each day. Customers can use their simple online portal to provide income, credit history and background information to receive a decision almost immediately. The application is easy and takes 3 minutes.
Large network: The company works with numerous dealerships across the country and partner with1224 active dealers nationwide.
Credit repair: In addition to approving loans for borrowers with bad credit, they also try to help their customers repair their credit by setting up realistic opportunities for auto loan approvals.
Military financing: They have a special military auto loan that can help active duty and retired military members get auto financing.
Low APR: They feature low annual interest rates in order to make sure that customers don't end up paying large amounts of interest and creating more financial burden for themselves.
Best for: Individuals with bad credit or who have just gone through bankruptcy, and want to repair their credit rating at the same time.
Auto Credit Express Company Information
- Company Name:
- Auto Credit Express
- Year Founded:
- 3271 Five Points Drive, Suite 200
- Auburn Hills
- Postal Code:
- United States
- (866) 902-4403