Auto Credit Express Review

ByCaroline BentonDec. 31, 2020
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In a Nutshell

If you have poor credit and are looking for an auto loan with competitive rates and terms, Auto Credit Express may be the loan provider for you. Auto Credit Express focuses on helping borrowers with less than ideal credit find favorable rates and terms. With a variety of loan types available and a personalized approach, Auto Credit Express can help you get behind the wheel of the car you’ve always wanted.


  • Helps customers with no credit and a history of bankruptcy
  • A variety of loan types


  • Provides limited information on loan terms and rates
  • Limited customer support channels

Auto Credit Express Auto Credit Express Visit Site

Auto Credit Express at a Glance  

If you have poor credit and want to improve your credit standing, Auto Credit Express can help. The company’s network partners offer new car purchases or leasing loans and can help you find a financing solution to purchase a reliable car regardless of your credit score. 

Auto Credit Express’ network of lenders includes car dealers that can readily offer customers with poor credit the ability to purchase cars directly. Moreover, the company offers auto insurance and a variety of educational resources. These resources are designed to help you identify the strategies for responsible financing and boost your credit score by displaying sensible financial habits. 

Founded in 1999, Auto Credit Express was created by Rich LaLonde, who discovered that dealerships were consistently rejecting customers with lower credit scores who needed financing solutions. The company quickly developed a system geared towards subprime auto financing, which evolved into Auto Credit Express. Today, the company has a vast network of over 1,200 dealerships and loan providers dedicated to helping customers with poor credit and first-time buyers access financing services without negatively affecting their finances. 

Suitable For?

Auto Credit Express focuses on borrowers with weak credit, and it is an alternative source of financing if you need a dependable vehicle but lack the creditworthiness to access a loan elsewhere.

Auto Credit Express Features

In addition to its lending services, Auto Credit Express goes a step further by connecting low and no credit customers with the vehicle dealers that are most likely to be the right fit. Auto Credit Express also hosts a series of financial educational resources on its website, including loan and payment calculators, videos, articles, and an insightful blog that is updated frequently with helpful materials. You can sign up for a newsletter that delivers finance-related guides and articles directly to your inbox. 

Some highlights include:

  • Loans for customers with weak credit
  • Financing for borrowers with open bankruptcies
  • Extensive educational resources
  • A streamlined application process
  • A variety of loan types
  • Pre-qualification in minutes
  • The opportunity to improve your credit rating while paying off a loan

Application Process

Getting started with Auto Credit Express takes only a few minutes. The first step is to fill out a quick application that collects some personal details, including contact and basic identification, employment information, income, and residence status. To apply for most loans, you must meet the following requirements:

  • A monthly pre-tax income of at least $1,500
  • Be at least 18 years or older
  • Reside in the United States or Canada
  • Be a citizen or permanent legal resident of the United States or Canada
  • Have full-time employment or guaranteed fixed income
  • Have a working phone number

Once you fill out the initial application, you will be pre-qualified before you are matched to a dealer and lender. 

Loan Types and Terms

Auto Credit Express is geared toward customers seeking loans for new and pre-owned autos or leasing options. These loans are comparable with traditional financing options for cars. Financing with Auto Credit Express offers you the ability to find the right vehicle for you. The provider is an excellent choice if you prefer not to make a long-term auto commitment and prefer the flexibility of a lease agreement.

If you access conventional financing for any reason, Auto Credit Express can help. Dealers within the network offer the following:

  • “Buy here, pay here” dealers
  • “Finance anyone” dealerships
  • “Rent-to-own” dealerships

How Safe is It?

Auto Credit Express’ privacy policy is transparent when it comes to the information the company collects from customers. The website also details how you can opt-out of this data collection in most cases. Auto Credit Express explains what information it shares with partners and why. The platform uses strict security measures to protect customer data and employs industry-standard security measures, including encryption during data transmission and storage. Auto Credit Express installs physical and electronic protections for its data centers and servers.

Repayment Options

As Auto Credit Express is not a direct lender, it does not handle payment processing or financing options. Its partners do, however, offer standard repayment options. However, the website lacks information regarding representative interest rates, terms, and loan amounts. With Auto Credit Express’ loan and payment calculators, you gain a better idea of your repayment obligations and the terms you are eligible to receive.

Help & Support

You can contact Auto Credit Express via a toll-free number or an online contact form. Waiting times over the phone are generally minimal, and queries via email are usually answered within a day. 

Auto Credit Express Auto Credit Express Visit Site


Auto Credit Express offers services to a demographic that is underserved. By focusing on borrowers with poor credit, bankruptcies, or first-time buyers, this lender’s network can help you improve your credit score while finding a vehicle to purchase or lease. Auto Credit Express offers a variety of services and outstanding support. Auto Credit Express is an ideal fit if you are looking for a loan to help you improve your credit while allowing you to steer the process in the direction you want.

Physical Address

Auto Credit Express

3271 Five Points Drive, Suite 200

Auburn Hills, MI


Auto Credit Express customer testimonials

ExcellentReviews 2,619
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  • author
    Kellie Jolivet
    5 hours ago
    My new car

    The young lady Savannah Cosme was so wonderful and so determined to get musical that we sat there for over four hours! And she did it! I never cried so much on the drive home to actually know that I’m going to have a reliable vehicle to get myself back and forth to all my doctors appointments for the therapy appointment counselors in psychiatry appointment as well! I will also gain my freedom back!!! Due to the pandemic I am very limited with the outside I only go out strictly for doctors appointments only in physical therapy like I mentioned about. I will be able to go visit my children now since I have a vehicle! My depression was getting the worst of me due to not having an immune system at all! Now I have a vehicle to call my own and card is only allowed for myself and myself only for emergencies and doctor visits. Thank you so much sincerely Kellie jolivet


  • author
    D. J. McKay
    3 hours ago
    Really disappointed with this service…

    Really disappointed with this service and the dealership they referred my son to when looking for a used car. The site suggests that after getting approved by a lender despite past credit problems, you choose your car. Instead of looking at an affordable car around $10K the dealership trots out a $17K used car and says that's what the lender OK'd and you have no option to choose a cheaper car. How does that help someone rebuild credit?


  • author
    Leroy Lervold
    17 hours ago
    Not exactly sure what the hole sign…

    Not exactly sure what the hole sign then wait for a welcome call is all about. But you are going to finance my truck so I will have to go with it. So thank you for giving a chance to buy a new to me truck.


  • author
    Victor Lees
    19 hours ago
    Very quick and easy I will use them…

    Very quick and easy I will use them again thanks for all your help


  • author
    Kristy Jackson
    a day ago
    Made my day!!!!

    Oh my this was very helpful. I thought I was never going to get another car until I got this help. I’m so happy right now.


Auto Credit Express