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Auto Credit Express Review

Reviews 3,779
Auto Credit Express
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Auto Credit Express
Auto Credit Express
Reviews 3,779
Caroline Benton
Apr. 02, 2023
3 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.


  • 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 at a glance

Editorial score

Online experience

Good online resources, but no access to rates

Customer services and support

Multiple ways of reaching lender but limited hours

Loan Types

Offers all loan types

Repayment Flexibility

Offers multiple repayment plans

Eligibility (credit score)

Accepts all credit types

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


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


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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