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Auto Credit Express Review

Reviews 3,594
Auto Credit Express
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Auto Credit Express
Auto Credit Express
Excellent
Reviews 3,594
Caroline Benton
Apr. 02, 2023
2 min read
Caroline Banton
Auto Credit Express Summary
If you have poor credit and are looking to finance or refinance your 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.

Pros

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

Cons

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

Auto Credit Express at a glance

9.6
Editorial score

Online experience

Good online resources, but no access to rates
8.0

Customer services and support

Multiple ways of reaching lender but limited hours
10.0

Loan Types

Offers all loan types
10.0

Repayment Flexibility

Offers multiple repayment plans
10.0

Eligibility (credit score)

Accepts all credit types
10.0

Auto Credit Express Auto Credit Express Visit Site

Suitable For?

Auto Credit Express focuses on financing and refinancing 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
  • Minimum credit score of 540

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 refinancing or for new and pre-owned autos. These loans are comparable with traditional financing options for cars. Financing and refinancing with Auto Credit Express offers you the ability to find the right vehicle for you or refinance with better terms. 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

Summary

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 or refinancing. 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

48326

Caroline Banton
Written by
Caroline Benton
Caroline Banton is a freelance writer of business and finance articles that have been featured in The Huffington Post, The Motley Fool, Time, MSN, PYMNTS.com, GOBankingrates.com, SaleMove, and MyBankTracker.com. Before becoming a writer, Caroline had over fourteen years of experience working at the World Bank. Caroline has an MBA from Johns Hopkins University. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about Auto Credit Express
Auto Credit Express
Excellent
Reviews 3,594
on
Excellent
81%
Great
10%
Average
3%
Poor
2%
Bad
4%
R
richard
4 days ago
When I went to the dealership I was…
When I went to the dealership I was looking for a used car $12,000 or under.I walked out with a 2023 Hyundai Elentra.Everyone was so friendly and professional.LJ assisted me.He was great.When I was leaving everyone was saying congratulations and enjoy your new car.All I could do was smile and thank everyone.It was a Kodak moment.Imagine going there looking for a used car and with their assistance walking out with a 2023.I couldn't be happier.I'm gonna be sure to send them some people.When you get a new car people always ask how much was it how much is you car note how was the experience?I give them 10 stars.Get you next car from Hyundai in Matteson.They'll take great care of you.
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gerardo aparicio
2 days ago
Buena atención
Buena atención
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ty
5 days ago
Easy
Easy, and quick and the dealership people treated me right.
J
jason kepple
6 days ago
Looked everywhere else for loan help…
Looked everywhere else for loan help and found it here
M
melville diedjomahor
6 days ago
Very warm and caring
My experience was great because the people treated me very well and very respected. What this company is doing well is that they put themselves in situations or shoe and went beyond to take care of me.
L
lorraine nance
8 days ago
MY SALES PERSON Daniel WAS Phenomenal
MY SALES PERSON Daniel WAS Phenomenal. NOT ONLY Did HE OVERCOME ALL THE Obstacles, HE MADE THE OUTCOME OF THE SALES PROCESS TO MY FAVOR AND HE HELPED FULFILL À LIFE LONG DREAM OF OWNING À 4 DOOR 4X4 FULLSIZE PICK UP TRUCK. HE HAS A CUSTOMER FOR LIFE!
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brian baird
9 days ago
Very simple processing
Very simple processing. Driving my new Dodge Challenger right now. Thanks Auto Credit Express🙏
A
ashley gallatin
11 days ago
Best car buying experience of my life
Best car buying experience of my life! So glad and grateful for their service.
A
anibal castillo
14 days ago
Realmente fue muy buena la atención y…
Realmente fue muy buena la atención y el trato hacia un mismo porvenir, obtuve mi carro nuevo como lo deseaba y con facilidades de pago
R
racheal jones
16 days ago
Eric was one of the best car sellers I…
Eric was one of the best car sellers I have ever don't business with.
S
sr
17 days ago
Excellent Service
The dealership they recommended was great. I purchased a vehicle within weeks.
J
jim margentina
18 days ago
Kia world of joliet is a great place to…
Kia world of joliet is a great place to go the salesman Dominick C. Was very helpful and did a fantastic job in helping me get a vehicle there
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w willmott
18 days ago
Everything was fast and easy
Everything was fast and easy
C
concerned customer
19 days ago
Auto Credit Express recommended me to Doug Henry Buick GMC…
Auto Credit Express recommended me to Doug Buick GMC in Goldsboro NC without providing any terms conditions or information related to eligible terms for financing or loan. The Dealership sales representative Ronnie misrepresented the loan information and insisted that based on my loan approval I was only eligible to purchase a specific vehicle which turned out to be a lemon. The dealership did not act in good faith and the vehicle purchased is not operating as stated by the dealership and staff. The vehicle is inoperable after two days of purchase. Need more transparency to avoid consumers from being take advantage of
B
bruce oldham
a month ago
need more help in service department
need more help in service department. been waiting for the car since Wednesdays and have to wait until Tuesdays to get car. But they gave me a loaner car but we are still paying for gas
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rusel
a month ago
HORRIBLE
HORRIBLE ! ! ! IM 69 and I actually need a car? they don't tell u u have to buy one of their cars till they have gotten ur information because they will sell that? SHARKS IN THE WATER
A
amber s.
a month ago
Honesty and friendly representatives
Honesty and friendly representatives. Great prices for your needs. Very satisfied.
C
corrie elmeer
a month ago
They took care of what I needed and got…
They took care of what I needed and got me all set with a car I could afford.
P
pedro deaza
a month ago
Por su comprensión y colaboración y…
Por su comprensión y colaboración y RAPIDEZ con migo en menos de 24 horas ya tenia, mi carro Toyota corolla, 2020.
K
katie k
a month ago
Got me in touch with a great dealership
That got me in touch with a dealership that worked super hard to get me qualified for a loan! The most amazing part is that the finance manager worked even harder and got me a loan with zero down and zero trade in!
E
elris kelso
a month ago
My experience was awesome.
My experience was awesome.. a lot better than I thought. The staff there went out their way and made sure I was able to get the most for what I was looking for. Would definitely recommend to whoever is looking for a NEW or USED car plenty of great options 5 STARS ALL DAY!!!
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thatcher braley
a month ago
All credit accepted!!!!!!
Your add says all types of credit accepted bankrupcy,doesnt matter,bad credit doesnt matter,no credit,we finance all these. Thats what you say. Then why do you need a credit check you say soft check doesnt hurt your credit score but it does. Then the credit place wants you to sign up for a buck,knowing you will forget you purchased there"service" They charge you 40 bucks that you dont pay because now you dont need it. Its all a scam. You say all credit accepted,well im waiting for approval,and nothing because im not going to use the credit monitor. So that takes me out of the game. Nice all lies .
M
marvin henry
a month ago
The customer service was Excellent All…
The customer service was Excellent All the guys along with the GM was Very helpful and Attentive to my Needs I felt like the most important person there, And the place was packed, I'm Very Happy!
J
justin
a month ago
The company made sure to find a loan…
The company made sure to find a loan that would fit my needs even though credit wasn't the best
J
joseph mccallister
a month ago
I had a great experience everything was…
I had a great experience everything was smooth. I'd highly recommend!
E
emily conley
2 months ago
Affordable Automotive of Tucson
Johnny was my sales rep and he was awesome. Mike in finance went above to make sure we were able to get financing.
C
cedric bradley
2 months ago
The sales reps
The sales reps
T
tammy rayburn
2 months ago
Ben was wonderful to work with
Ben was wonderful to work with. The whole team was great
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jamal craig
2 months ago
Great company!
Great company!
r
rachel
2 months ago
There was no pressure buying anything…
There was no pressure buying anything they came and got me I had no way to get to the dealership. And they really worked with what I really wanted and they looked for what I wanted and I got to exactly what I wanted.
P
patricia newbury
2 months ago
Great Experience from start to finish 😊Stephen and Luis worked hard to find me…
Stephen and Luis worked hard to find me a vehicle that was in my price range. I appreciate all the time they put in, and walked me through it all with patience. The service area worked fast and got it ready for me in no time, thank you! I will recommend them to others also. Thanks to everyone who assisted me on getting my vehicle!
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charles hawkins
2 months ago
This auto credit express is not for…
This auto credit express is not for people that has with credit issues because that don't do what they say in the writing what they do you can do yourself this company was a waste of time just to be told a lie so people with credit problem don't come here you will be disappointed.
D
danairius cossey
2 months ago
It's decent
I thank yal. But if you do not have the best credit try to get a cosignor because your APR will be sky high.
N
nic mandin
2 months ago
VW purchase
It took awhile but the purchase went thru.
D
dt
2 months ago
Approved when nobody else would
Approved when nobody else would. High interest but that's the price... Worth it for a 3 year old vehicle imo.
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ronny bediwi
2 months ago
Don't be fooled people these people are…
Don't be fooled people these people are just a monkey in the middle your nof really approved till the dealership runs ur credit about 7 times like they did me and when I was approved they said oh we don't have a vehicle for 18,000 which is bull so don't get ur hopes up like I did and loss my job cuz I took a day off and dragged my handicap mother so they can use her as a co singer , mislead me just so I can go in even after I told th my situation they even promised and didn't stick to there word
J
jannette nielsen
2 months ago
Fast friendly very helpful would…
Fast friendly very helpful would definitely recommend
B
barend engelbrecht
2 months ago
I got the sevice I needed
I got Al the experience I needed and help they even helped me with my insurance
J
jennifer m
2 months ago
Up front and easy to work with
Staff worked with me. They were up front and honest. I didn't get the vehicle I expected but I left happy with what I purchased. Drew was very easy to work with.
J
james cunningham
2 months ago
Axie and Mel absolutely amazing people…
Axie and Mel absolutely amazing people made it go easy as could be super appreciative will recommend family and friends
T
troy bethea
2 months ago
I went in to purchase another car
I went in to purchase another car, but it was sold a day before I arrived. So, I walked the yard a found a car that fit my needs. The sales rep was great.
J
jefferson parris
2 months ago
Great experience
It's was simple and hustle free
J
jonathan wood
2 months ago
Everything went very smoothly
Everything went very smoothly
T
tyler donley
2 months ago
Such a great help thank you!
Such a great help thank you!
A
andre b
2 months ago
Great transaction
Great transaction
A
artrena brown
2 months ago
The salesman was so very helpful and…
The salesman was so very helpful and helped me in anyway in order to get me in a car immediately. Getting the insurance was also very easy. I would definitely recommend Coast Auto to my family and friends.
P
paul brown
2 months ago
The entire experience
The entire experience. The whole thing took 3 hours. I got exactly what I wanted. The staff was excellent especially Payton. She stayed with us from beginning to end.
J
jesus motoclub
3 months ago
Son rápido y eficiente,
Son rápido y eficiente,
c
customer
3 months ago
great service
great service
C
christine tomasi austin
3 months ago
July 6 2023
Made the inquiry, got a call less then an hour later made an appointment to go to the show room. Drove off in my brand New 2023 Car the Very Next Day...
G
glen
3 months ago
Helpful people
Was contacted by someone who worked with me to get what I wanted.
N
nina cancel
3 months ago
Everyone at this location was amazing…
Everyone at this location was amazing they helped me get into a car that was great for me and my family I really appreciate all of them
B
brandon kopf
3 months ago
Salesman was great.
Salesman was great.
M
michelle kisner
3 months ago
Hal, Sales
Hal, my sales person, as well as the person who got me approved was amazing. He was kind, fast, and made the approval happen. He always stayed in contact.
T
teresa ashe
3 months ago
My car experience
Mr. Bly fought for me and was very king. Not the car I wanted but I am very happy. Will be going back when u want another car working with him is wonderful...
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wayne bourgeois
3 months ago
I need help getting my own car.
I like the idea i was given the chance to be considered for a new car.
M
molly ann robinson
3 months ago
Great friendly customer service
Great friendly customer service
M
monique williams
3 months ago
Nice math
Just great energy
J
jose mendez
3 months ago
The Customer service they provide and…
The Customer service they provide and was very helpful to me
M
mark howard
3 months ago
Sady was easy to work with and was very…
Sady was easy to work with and was very helpful
J
jessica
3 months ago
Pre-approval led to actual approval
Got more than I expected
L
luis salinas
3 months ago
Great experience very friendly there to help
Hey it was a great experience loved the results an very friendly I lived it
S
sharon
3 months ago
Fast time to get approved
Fast time to get approved, great car lot, staff is very pleasantable and friendly, thank for your help!!
C
charlena crandall
3 months ago
They gave me the best buying experience …
They gave me the best buying experience ever . I am so thankful for them n honesty and commitment to getting me In A car
W
william eads
3 months ago
My experience was great because my rep
My experience was great because my rep. Ben Morris was very informative, friendly and made us feel like we were his number one priority. He took great care of us making sure we were aware of every step, made us feel very comfortable through the process. The things they are doing well are actually taking care of their customers all the way through the process.
A
alejandro ortega
3 months ago
Engañan Ala jente
Me mintieron me vendieron un carro chocado y me forzaron a kedarme con el auto asi que mi esperienza con ese Diller fue muy mala.
C
connie garrison
3 months ago
the salesperson went above and beyond…
the salesperson went above and beyond to get me approved.
J
janell moreno
3 months ago
So grateful!
Thank you for leading me to New City Nissan! I was able to purchase my new 2nd car!
M
monique johnson
3 months ago
My experience went Great
My experience went great I really loved my salesperson Heydeh. Management was nice and friendly everyone was professional I was very comfortable which made my experience less stressful thank you Classic Chevrolet
D
derrell l mack
3 months ago
They took the time to see what I was…
They took the time to see what I was looking for and worked with me to get what I wanted. I've been other places where they try to just give you whatever they think you will take.
M
mark gillespie
3 months ago
they pointed me in the right direction
I they pointed me in the right direction
M
michael jackson
3 months ago
Right now I have a problem with the…
Right now I have a problem with the "Check Eng Light" and I'm missing some part to my car.
S
shopping
3 months ago
Worth While Experience
The customer service was exceptional while everyone worked together to help me have a great experience and great vehicle.
G
gene salvador
3 months ago
Thanks for putting me in contact with…
Thanks for putting me in contact with Affordable Autos of Tucson. Great Business to help and navigate my auto buying process.
B
brian scott
3 months ago
I only had the car a week and already…
I only had the car a week and already it's messed up check engine light on
D
dianna owensby
3 months ago
Brandon Reese
Brandon Reese, my sales associate, was wonderful! I never once felt pressured into buying anything because he showed care in what's best for me over just getting a deal done. He answered all my questions in a way I instantly knew he was trustworthy. He for sure made the experience enjoyable and I will be recommending him to everyone.
S
sharonda turner
3 months ago
Auto Direct staff
The salesman and the rest of the team were awesome. Fast and on point with the whole process
J
jonathan
3 months ago
Good experience friendly great experience knowledgeable…
Good experience friendly knowledgeable staff
B
brian wood
4 months ago
Great customer service and they work…
Great customer service and they work hard to make sure you are satisfied!
A
angela cowen
4 months ago
SO HAPPY with Honda of Muskogee!!!
I have been very pleased with my experience of finding and purchasing a Vehicle. I had horrible credit and struggled to get financing and they made it happen. So pleased with every person involved. Thank you Honda in Muskogee for finding me the perfect SUV.
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michael reidout
4 months ago
I bought a Nissan Sentra from this… Auto Express
I bought a Nissan Sentra from this place a few years ago. Beautiful vehicle but had electrical issues to the point I had to just walk away from it. But i don't understand if this place is BHPH, why are they always still wanting to check credit? You see people have the money for down payment and whatnot - and Carite on Oakland Park is the same way. I'm actually in a car i don't really care for, but I have no other choice at this point.
K
kris bailey
4 months ago
Easiest car buying experience I've ever…
Easiest car buying experience I've ever had!
D
drew lemke
4 months ago
Didn’t give me a whole lot of…
Didn’t give me a whole lot of information. Ended up just going in and getting a Lone on my own
L
lisa madrid
4 months ago
The dealer took in consideration what…
The dealer took in consideration what we were looking for and made it happen even though our credit wasn't that great. They explained everything and took the time to show us how to operate the equipment in the new vehicle. Would definitely use them again and refer my friends and family.
A
astrid uruena
4 months ago
100% Fantastic
Everyone was so helpful and nice best car buying experience ever I will definitely recommend to my family and friends
P
paul lozano
4 months ago
Exelent
Muy Buena atencion
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linda kemp
4 months ago
Execellent
Reading helpful things
B
britney chambers
4 months ago
They took care of me and was also very…
They took care of me and was also very patience with my situation.Thank you so much!
J
johnny moore
4 months ago
It was the easiest car purchase…
It was the easiest car purchase experience I've ever had.
R
robert
4 months ago
Friendly & caring service!
Friendly & caring service!
D
daniel hathaway
4 months ago
Re established credit
Walked in, Gauge started the deal, and Jayson finished it. Got a car I wanted, for a great price
D
david
4 months ago
Kandace was awesome from start to…
Kandace was awesome from start to finish.
G
gaby ester
4 months ago
Thank you Auto Credit Express
Thank you Auto Credit Express. Purchased my first own car from Tri-Citychryslerdodgeramjeep dealership. Met Jeremy He was very straightforward and made sure all my questions were answered. I'm so happy driving my new car.
M
melissa jones
4 months ago
They were amazing
They were amazing
C
curtis reese
4 months ago
Everyone was very nice and helpful
Everyone was very nice and helpful
J
juluar
4 months ago
A great car
They were great just had to travel 3 or 4 times to the company about paper work and I didn't learn about all the fixtures of the car so I'm at a lost
D
dorothy tyon
4 months ago
I had a very positive experience with…
I had a very positive experience with Justin from Liberty Auto Center. He was very straightforward and made sure all my questions were answered.
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michael fultz
4 months ago
They set me up with a big dealer in…confidence buster
They set me up with a big dealer in Fargo ND. After running my credit they said they wouldn't finance the 2012 Tahoe. And then they bring out this dodge pickup that by just herring it run you knew something was wrong with it. The check engine light backed up that . Then the car salesman says they will find something better. Ha. So now a 2012 avalanche comes out witch looked ok until I opened the door. Inside door panels are broken and half missing. Windshield broken. Among others. Well the say the bank will approve me for this truck. For 14000 dollars. Wth. Won't do the Tahoe for 12000 but will sell be a truck that is falling apart. Is this how they treat a USMC vet that has bad credit at the moment because of a bad divorce. I feel like the things you promise should be said. You get a person to feel like maybe you can help . And then try sell them worthless vehicles. Thanks for nothing
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tara freeman
5 months ago
We dealt with 3 different sales people…
We dealt with 3 different sales people all in one trip. Then turns out they didn't get paperwork they needed because they didn't ask. I work overnights so they were unable to reach me during the day due to sleep and I got a not so nice message from them as a result. They could have asked for all the paperwork and insurance info in the first place like they should have.
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lynn rodgers
5 months ago
Good service & quality inventory
The staff was very kind from beginning to end