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, 6/4/2023

Written by: Lauren Keys

Lauren Keys
Lauren Keys

Lauren Keys has a decade of experience in writing and editing for publications including The New York Times, Entrepreneur.com, 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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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience, having written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times. A former business writer and business desk editor, Lillian ensures all BadCredit.org content equips readers with financial literacy.

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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
  • See application, terms, and details.
★★★★★

4.9

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.

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Other Auto Loans Ratings

  • Auto loan amounts of up to $150,000
  • Prequalify in minutes without impacting your credit score
  • Refinancing loans save an average of $191 per month
  • 125% financing available for cash-out refis
  • PenFed Credit Union membership required but can be applied for at the same time as your loan
  • See application, terms, and details.
★★★★★

4.7

Overall Rating

Interest Rate In Business Since Application Length Reputation Score
5.19% and up 1935 5 minutes 9.5/10
  • RefiJet helps people lower their monthly auto payment by an average of $150 a month*
  • Pre-qualifying for a refinance auto loan does not impact your credit score
  • Nationwide network of lenders
  • We present you with options from lenders that fit your situation
  • See application, terms, and details.
★★★★★

4.5

Overall Rating

Interest Rate In Business Since Application Length Reputation Score
Varies 2016 5 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, Entrepreneur.com, 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.

Information Warranty & Disclosure: Great efforts are made to maintain reliable data on all offers presented. However, users should check each provider’s official website for updated terms, details and conditions for each offer before applying or signing up. Our site maintains strict terms of service and may accept compensation for paid ads or sponsored placements in accordance with these terms. Users must be at least 18 years of age to be eligible for financial offers as per the terms presented on provider websites.

* FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.