Is Auto Credit Express Legit? (Feb. 2024)

Is Auto Credit Express Legit

Having bad credit can make getting an auto loan seem like an uphill task. What’s worse is that some companies seek to take advantage of consumers with deceptive loan products that don’t offer real solutions. If you’ve heard of Auto Credit Express before, you may have thought it sounded too good to be true. So is Auto Credit Express legit?

Auto Credit Express is a legitimate company that specializes in helping borrowers with credit issues find an auto lender. In this article, we’ll discuss how to apply for an Auto Credit Express loan, the pros and cons to consider, and why it is a solid option if you need a lender that understands your situation.

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Auto Credit Express Is a Legitimate Loan Network

Auto Credit Express is a financing company founded in 1999 that specializes in helping people with bad credit get auto loans. The company partners with multiple auto dealers and lenders across the United States to offer its customers a variety of loan options. 

Auto Credit Express is not a direct lender. It is a platform that has connected more than 1.8 million people with bad credit to lenders willing to provide auto loans.

The company’s goal is to make auto financing more accessible to people with poor credit by providing solutions that meet their unique needs. Auto Credit Express is accredited by the Better Business Bureau and has an A+ rating. 

The company is owned by Internet Brands, which also owns some of the largest car-buying networks in North America, including CarsDirect, Motor Authority, and The Car Connection. 

How to Get a Loan From Auto Credit Express

If you’re looking for a bad credit auto loan, Auto Credit Express provides a few options to connect with subprime lenders. The company works with a nationwide network of lenders that can help you finance or lease a car even if you’ve filed for bankruptcy in the past. 

Auto Credit Express processes thousands of loan request forms and can help you save time by avoiding the dealerships, banks, and credit unions that may not approve your application if you don’t meet strict credit score and financial requirements. 

  • Network of dealer partners has closed $1 billion in bad credit auto loans
  • Specializes in bad credit, no credit, bankruptcy and repossession
  • In business since 1999
  • Easy, 30-second pre-qualification form
  • Bad credit applicants must have $1500/month income to qualify
  • See application, terms, and details.


Overall Rating

Interest Rate In Business Since Application Length Reputation Score
3.99% – 29.99% 1999 3 minutes 9.5/10

For those with extremely poor credit or no credit history at all, Auto Credit Express offers options for special car financing through buy here pay here (BHPH) lots and dealerships that offer in-house financing. With in-house financing, the dealer doesn’t have to rely on a third party to finance the auto loan, so it can set the terms and conditions. 

While the requirements may be more lenient, these loans can also come with high fees and higher interest rates. Auto Credit Express shows you loan offers from several lenders so you can compare options and find the best loan for your needs and situation.

Requirements to Get a Loan From Auto Credit Express

Since Auto Credit Express works with many lenders, loan requirements vary. The website lists some basic qualifications that its lenders look for to approve an auto loan application. 

In general, you need to: 

  • be employed full-time or have a guaranteed fixed income of at least $1,500 a month
  • be a resident of the US or Canada and eligible for car insurance
  • show proof of residency
  • have a working phone number
  • provide a recent utility bill

The application process for an Auto Credit Express loan is relatively easy, and it can be done entirely online. First, you fill out an application form on its website, and the company will match you with a dealer or lender that can offer a loan. 

Then, you receive a preapproval notice so you can view your proposed interest rate and loan terms. If you choose to move forward and apply for auto financing, you will provide additional documentation, such as proof of income and a driver’s license. 

After document verification, the lender may approve your loan, and you can purchase your new car.

Similar Alternatives to Auto Credit Express

The following companies are similar auto loan networks that can help match you with a direct lender based on your prequalifying form. Rates and terms will vary by lender, so be sure to compare offers before choosing one to proceed with.

  • Free, no-obligation application
  • Specializes in auto loans for bankruptcy, bad credit, first-time buyer, and subprime
  • Affordable payments and no application fees
  • Connects thousands of car buyers with auto financing daily
  • See application, terms, and details.


Overall Rating

Interest Rate In Business Since Application Length Reputation Score
Varies 1994 3 minutes 9.0/10 Auto Loans connects car buyers with lenders that offer financing. The network partners with a variety of lenders, including those that help people with bad credit, no credit, or a bankruptcy on their record. Additionally, also provides options for refinancing, down payment assistance, and lease buyouts for those who want to purchase their leased vehicles outright.

You can fill out the free loan request form online to get started. will match you with a lender based on the information you provide. You should hear from someone within 24 hours of submitting your loan request. If you accept the loan offer, you can head to the dealership or car lot to choose your vehicle and finalize your loan term and loan details. works similarly to Auto Credit Express in that it is not a direct lender but works with lending partners to help you find an auto loan that you will likely qualify for.

  • Auto loans for purchase, refinance, and lease buyouts
  • Nationwide lender network
  • Get matched with up to 5 lenders that fit your financial profile
  • It only takes a few minutes and is free with no obligation
  • See application, terms, and details.


Overall Rating

Interest Rate In Business Since Application Length Reputation Score
Varies 1998 4 minutes 9.5/10

LendingTree was founded in 1996 and provides loan options for consumers looking for a mortgage, personal loan, private student loan, or auto loan. While LendingTree does not specialize in working with borrowers with bad credit, it is still an excellent resource for finding a car loan, given its massive network of more than 300 lenders. 

LendingTree provides auto loan rates from several lenders so you can easily compare loan offers online. LendingTree provides key details for each lender (so you don’t have to do the research on your own), including loan repayment term options, starting APRs, and the minimum borrowing amount.

You can also fill out a short loan request form to receive lender recommendations based on your personal situation. From there, you can compare auto loan rates and your monthly payment based on your desired repayment term. LendingTree also helps with auto refinancing if you want to reduce your monthly payment by locking in a lower interest rate.

  • Loans for new, used, and refinancing
  • Queries a national network of lenders
  • Bad credit OK
  • Get up to 4 offers in minutes
  • Receive online loan certificate or check within 24 hours
  • See application, terms, and details.


Overall Rating

Interest Rate In Business Since Application Length Reputation Score
Varies 2003 2 minutes 8.5/10 offers different types of loans, including new car loans, used car loans, refinancing, and private party loans. If you are looking for a variety of car loan options and competitive rates, stands out from competitors. The company maintains excellent customer reviews, making it a trustworthy platform for car buyers to start their search. connects borrowers with up to four lenders when they fill out a loan request form online, including dealership and auto dealer options. You can compare several loan options to find the best loan term and auto loan rates you qualify for. Filling out the loan request form doesn’t result in a hard credit inquiry, so you won’t have to worry about a negative impact on your credit score at this initial stage. 

You have no obligation to choose one of the lenders presents. The network is only intended to help you save time and money in your search. also offers a free monthly payment calculator online so you can estimate your monthly loan payments to ensure they fit within your budget.

Pros and Cons of Working With Auto Credit Express

Even though Auto Credit Express is a reputable resource for car financing, here are some benefits and drawbacks to consider when working with the company and its lender network


  • Get connected with dealers and lenders that specialize in auto loans for people with bad credit
  • A simple and straightforward loan request process online so you can get preapproved and matched with a lender.
  • Options to get auto financing without making a down payment.


  • Not a direct lender so they technically can’t approve you for a loan.
  • Loan interest rates will be higher with bad credit. 
  • Lenders may have higher fees or require more fees, although using Auto Credit Express is free.

You can still find an ideal lender through Auto Credit Express, even with bad credit. Just ensure the terms and repayment options work for your financial situation.

Does Auto Credit Express Offer Guaranteed Approval Auto Loans?

No lender can guarantee approval for an auto loan, including Auto Credit Express. However, the company does offer a pre-qualification process that can give you an idea of what loan options you may qualify for. This allows you to see your likely auto loan rate and other terms. 

Understand that a preapproval or match with a lender or auto dealer does not mean you’re approved. You still need to finish the application and submit all of your supporting documents. The final decision on approval will depend on several factors, including your credit score, income, and employment history.

credit score categories

The benefit of using Auto Credit Express is that you can streamline the process of applying for and getting approved for an auto loan. You simply fill out the loan request form to receive offers from lenders in your area. While approval isn’t guaranteed, this is better than applying for an auto loan with bad credit and getting denied right away because you don’t meet the lender’s qualifications. 

Does Auto Credit Express Require a Down Payment?

In some cases, you can avoid a down payment while securing your loan. But this is rare if you have bad credit. The lenders Auto Credit Express partners with may require a down payment, so it’s important to be prepared to pay something initially. The amount of the down payment will depend on several factors, including the loan amount, your creditworthiness, and the type of loan you apply for.

Making a larger down payment could lower your monthly payment amount throughout your loan term. But it’s not always necessary, and some lenders may require as little as $500 down to approve you for financing. If you are trading in a vehicle, the dealership will give you an offer for your old car, and you can use this amount as a down payment as well. 

How Quickly Can I Get Approved For an Auto Loan?

The time it takes for you to get approved for an auto loan using Auto Credit Express varies depending on the lender’s terms and processes. Generally, the application process takes between a day and a week. 

If you match with a lender that meets your needs, you can proceed with the application and pick out your car. 

Sometimes things don’t go that smoothly, and you may need a few days to find the right car. Or, perhaps you want to compare financing options or need more time to gather financial documents such as your pay stubs and bank statements. Several factors may impact the time it takes to get approved for an auto loan and drive away with your new vehicle. 

Check your credit before applying and gather all your financial documents to ensure you meet the basic qualifications for a loan.

instructions for checking credit reports

If you need funds quickly, you may want to consider lenders that offer same-day or next-day funding.

How Do You Tell If An Auto Lender is Legit?

Several subprime lenders can help you get an auto loan without excellent credit. But plenty of auto loan and auto refinancing scams exist, too. The Federal Trade Commission (FTC) recommends that buyers report these scams

Some scammers advertise auto loan refinancing but insist you pay first or pay an enrollment fee. Others may claim to have relationships with several lenders or showcase fake satisfied customer reviews on their websites. These are huge red flags, but here are a few ways to spot and avoid these scams.

  • Make sure the lender is registered with the Better Business Bureau and has a good rating. Check to see how many complaints were opened and closed during the past year and how the company responded.
  • Check third-party review sites to see what other customers are saying about the company. Anyone can make a positive review and put it on their website. Instead, compare customer reviews across several trusted third-party sites, including TrustPilot, Consumer Affairs, and Best Company.
  • Search the company’s name with the term “scam” or “fraud” after it. If someone has been scammed by a company claiming to be an auto loan provider, you will likely see evidence of that online. See what people are saying in forums such as Reddit and Quora and read any relevant news stories that come up in your search results.
  • Make sure the lender is licensed and authorized to do business in your state. If you are still unsure about whether an auto lender or dealership is legit, you can always contact your state’s attorney general’s office to learn how to find out if they are licensed to do business in your state.

Don’t give your personal information or Social Security number out if you don’t feel an auto lender is legit. If you’re working with a company that helps connect borrowers to auto lenders in their area, you can always call the dealership or car lot directly to ask questions and verify the partnership before applying. It’s always better to be safe than sorry.

What Factors Affect Auto Loan Rates?

Getting the best loan rates when you finance a vehicle can help you save money on the overall cost of your loan throughout your repayment term. Several factors can affect auto loan rates, including your credit score, income, employment history, and the type of car you plan to purchase. 

Your credit history is one of the biggest factors since people with higher credit scores receive lower interest rates than those with poor credit scores. Additionally, the term, or length, of the loan can also affect the interest rate. 

how to get better auto loan terms

Some lenders offer better rates for a shorter loan term, but your monthly payment will be higher as a result.

Getting a Car Loan is Possible Even If You Don’t Have Great Credit 

Auto Credit Express is a legitimate auto lender that specializes in working with individuals with poor credit histories and offers several loan options. It requires proof of income, a driver’s license, and a minimum monthly income of $1,500. The application process is relatively easy, and you can get approved for a loan quickly. We hope this Auto Credit Express review gives you a more in-depth understanding of how the company works and who it can help.

Before choosing any lender, it’s important to research and compare loan terms, rates, and any hidden fees. Considering your alternatives and getting preapproved with a few lenders can help ensure you get the best loan terms based on your financial situation

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