Auto Credit Express Review

Lauren Keys

Auto Credit Express has been helping consumers in the US and Canada get connected with auto lenders in their area since 1999. It has the largest database of lenders in the US, and is able to help people with good credit, bad credit, and even those with bankruptcies on their credit reports get the auto financing they need.

- Lauren Keys, 4/4/2019

Advertiser Disclosure
  • 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
  • Click here for 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

More About Auto Credit Express

Auto Credit Express: Rebuilding America’s Credit with Nation’s Largest Network of Subprime Lenders
Expert's Take

Auto Credit Express: Rebuilding America’s Credit with Nation’s Largest Network of Subprime Lenders

By: Lauren Keys

In a Nutshell: In less than 15 minutes, you can apply for and receive pre-approved loan options from a nearby dealership through Auto Credit Express. It has built out the nation’s largest network of dealerships and lenders that specialize in bad credit auto financing to provide new and used cars to people who otherwise might not be able to finance them. With customer service at the forefront of the experience, Auto Credit Express makes car buying pleasurable and fun like it is supposed to be.

Finding the car of your dreams can be hard enough, but finding it within your budget can be even more difficult. When you have less than stellar credit, getting financing for any car can be nearly impossible.

Luckily, Auto Credit Express bridges the gap between special financing and dealerships to provide individuals with a solution to their car-buying woes.

Auto Credit Express Logo

After a quick and easy 3-minute application online, a dealership nearby receives and reviews the application before calling the customer as early as 10 minutes later with pre-approved financing options, said Julie Costa, Director of Business Development for Auto Credit Express at its headquarters in Auburn Hills, Michigan.
Auto Credit Express offers the largest source of subprime options with more than 1200 dealership and lender partners across the U.S. and Canada that it has specifically trained in bad credit lending to ensure the best fit for any credit situation.

Read the Full Review

Other Auto Loans Ratings

  • Free, no-obligation application
  • Specializes in auto loans for bankruptcy, bad credit, first-time buyer, and subprime
  • Affordable payments and no application fees
  • Same-day approval available
  • Connects 1000's of car buyers a day with auto financing
  • Click here for application, terms, and details.


Overall Rating

Interest Rate In Business Since Application Length Reputation Score
Varies 1994 3 minutes 9.0/10
See All Auto Loans »

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About the Reviewer

Lauren Keys

Lauren Keys has a decade of experience in writing and editing for publications including The New York Times,, Gainesville Magazine, and many other media outlets. Known for having a treasure trove of savings tips at the ready, Lauren also regularly helps consumers discover the products and services that can best help them make their money go further. She believes an educated and measured approach is the most-effective route to financial wellness.

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