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Auto Credit Express Review

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Reviews 2,946

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Caroline Banton
Caroline Benton
May. 03, 20214 min read

Auto Credit Express summary

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.

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 Expressat a glance
4.3

Editorial score

Online experience

Good online resources, but no access to rates

4.0

Customer services and support

Multiple ways of reaching lender but limited hours

4.0

Loan Types

Offers most loan types

4.0

Repayment Flexibility

Information missing

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Eligibility (credit score)

Accepts all credit types

5.0

Auto Credit Express Auto Credit Express Visit Site

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

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. 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 byCaroline 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.‎

Auto Credit Express
Auto Credit Express
ExcellentReviews 2,946
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Trustpilot reviews

See what some costumers are saying about Auto Credit Express
Auto Credit Express
ExcellentReviews 2,946
on
Excellent
81%
Great
10%
Average
3%
Poor
2%
Bad
4%
  • author
    Kimberly Miller
    a day ago
    Justin was amazing and helpful and made…

    Justin was amazing and helpful and made the whole event painless. very happy with the service.

    ...

  • author
    Allen Watters
    a day ago
    Once I got Basswood dealership I was…

    Once I got Basswood dealership I was told my proof of income could not be accepted. After being told it would even sent all the paper to them. I was told I had everything I need and would not waste my hour and a half drive to them. I bought my girlfriend with in hope I would need someone to drive the car I drove to back and I would be in my new car. They said we could still get a car but not for me. We would ha e to get her and her mom to sign for it. The payment ended up being alot high. To top it off we are on day four of the car we did get not running. We been late for work and having to find rides to do want we have to do everyday wirh 2 kids and both working. We feel like we been getting the run around about fixing it after being assured we had a really good warranty. We are Not happy with the way Basswood in Fort Payne, AL has been handling our business. We see of things go tomorrow.

    ...

  • author
    Zuniga Manuel
    a day ago
    This bank was awesome

    This bank was awesome, I had serious credit issues because of an injury years back. This bank went to bat for me and hit a home run for me. Highly recommended

    ...

  • author
    Kristen
    2 days ago
    Helped get to a dealer/financier to get…

    Helped get to a dealer/financier to get a car

    ...

  • author
    Mark Timmons
    2 days ago
    Great service

    Great service

    ...

  • author
    Rudy Arroyo
    Jan 23, 2022
    The process was smooth and easy

    The process was smooth and easy. I had a quick response with the team I worked with and made the experience as nice as possible. Over all good working with the people I met!!

    ...

  • author
    Tara
    Jan 23, 2022
    Awesome service

    Awesome service. They found me the perfect car right away.

    ...

  • author
    Robert Unger
    Jan 23, 2022
    Was easy and guys were great

    Was easy and guys were great

    ...

  • author
    Amber Stjohn
    Jan 22, 2022
    This was the the easiest hassle free…

    This was the the easiest hassle free experience ever and I was able to get into a new car I couldn't believe it. Christian at Uptown in Dallas was amazing seriously...... Thanks again for all your help!!

    ...

  • author
    Customer
    Jan 22, 2022
    Amazing service

    To be honest. This new car buying experience was so smooth and painless. Art, the car sales men. Made it so easy. He took care of the whole thing. While him giving me time to test drive the cars. Which, that’s what I like when purchasing a new vehicle. I like to test drive them on my own. Overall, the process was fast, easy and painless. Thank you, Art for helping me with my new car.

    ...

  • author
    Lucky Valdes
    Jan 21, 2022
    Auto credit express made it possible…

    Auto credit express made it possible for me to purchase a vehicle despite my low credit score. I’m so pleased to have given it a try.

    ...

  • author
    Terry Versher
    Jan 18, 2022
    Great service

    Great service

    ...

  • author
    Cinnamon T Thompson
    Jan 16, 2022
    RUIN CREDIT SO YOU CAN'T GET A LOAN

    They really want you to use their service and don't even tell you they are giving your information to these scam companies that run your credit down. Hard inquiries are from lenders intentionally ruining your credit! Do not go here!

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  • author
    Robert Salyers
    Jan 15, 2022
    Sales guy was amazing 🤩 hands down…

    Sales guy was amazing 🤩 hands down best guy ever.

    ...

  • author
    Melody Vulgamore
    Jan 14, 2022
    Don't have any dealings with you yet so…

    Don't have any dealings with you yet so I have nothing to say at this point

    ...

  • author
    Rosemary Doss
    Jan 14, 2022
    Salesman was excellent made it very…

    Salesman was excellent made it very easy to drive away on the same day.I will never go to another dealership 5 stars for Safford kia of fredericksburg

    ...

  • author
    Steven
    Jan 13, 2022
    The process was extremely quick and…

    The process was extremely quick and easy. I went to many dealers that claim to look at your future, and not your past. I couldn't get financed anywhere, wasting time and money traveling to different dealers claiming to be able to help while just bringing my credit down even further. I decided to give it one more shot, and literally minutes after applying, they had a dealer who knew exactly what they were doing call me, that same evening I had a great car. Yes I had to pay a high interest rate, and I had to pick between a few cars because of my lack of down payment but Im extremely happy.

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  • author
    Nathaniel Ricci
    Jan 12, 2022
    Fantastic service! Very grateful

    I saw the Ad for Auto Credit Express on Facebook and didn't think much of it but wanted to give it a shot. Within an hour I was in touch with Special Finance guy at Dodge and by the next day I walked out with a vehicle. Thank You AUTO CREDIT EXPRESS!!

    ...

  • author
    Lawrence Frierson
    Jan 11, 2022
    Todd Griffith

    Todd Griffith, the salesperson was their upon arrival and we completed the sales agreement within 90 minutes. The dealer brought the vehicle 25 miles away for my inspection. The entire process took 3.5 hours. Great customer service 👏.

    ...

  • author
    Constance Beasley
    Jan 11, 2022
    They made the process very easy for me

    They made the process very easy for me. They connected me to a dealership and provided me all of the information that I needed to get a car.

    ...

  • author
    Debra Lucas
    Jan 10, 2022
    Debi & Fluffy's Adventure

    Good Morning, My name is Debra I would like to borrow $1,500 as to I'm moving and need help for a house and movers . I am disabled and need the movers.And it's icy out. I really could use about $60,000 That way I could buy my dream they are asking $49,900 but I will rent get score back up then buy I really need to move today .This house has mold ALOT. But Thank You Looking forward to doing business with you. Happy New Year And my Chiwawa my baby

    ...

  • author
    Elizabeth Tucker
    Jan 10, 2022
    The process went really smooth

    The process went really smooth. I was contacted in a timely matter.

    ...

  • author
    Me Wright
    Jan 09, 2022
    Awesome

    Super easy to use, would recommend to anyone in need of merchandise but don't have all the cash to cover it should consider

    ...

  • author
    jean r seloi
    Jan 09, 2022
    Good I’m just make cdl

    Good I’m just make cdl

    ...

  • author
    Michael Davis
    Jan 08, 2022
    Great service

    Auto credit express gave me a great insurance policy at the right time that I needed it to purchase my very first car

    ...

  • author
    RICHIE Olds
    Jan 06, 2022
    Waiting for good news

    Ones it confirmed I pay monthly

    ...

  • author
    Matthew Gnoske
    Jan 06, 2022
    Easy and short!

    The application was easy and even if that's not helpful they will walk you through it step by step. It was almost effortless.

    ...

  • author
    Janice had vera
    Jan 05, 2022
    I had a wonderful experience !

    I had a wonderful experience !

    ...

  • author
    Clentoria
    Jan 05, 2022
    Bought a vehicle it wouldn't start the…

    Bought a vehicle it wouldn't start the second day and had to exchange it for another vehicle and it had larger tires on the rear of the car I had to get replaced on the second day of purchase. I just had a very bad experience.

    ...

  • author
    Jerry C
    Jan 04, 2022
    We love our car however I did feel…

    We love our car however I did feel kinda like a bait and switch because when we got there they said the one we already had the numbers for had been sold ..it was used a 2017 but to compensate they got us into a 2022 however the payments were over 200 more than we had planned on.

    ...

  • author
    Vermaurice
    Jan 02, 2022
    Blessed Dealership

    Mr Christian, Mr White and Ms Glenda really was a blessing to me in helping get into my vehicle. I have been telling my church about the dealership.

    ...

  • author
    Christopher D Little
    Jan 02, 2022
    Auto Credit Express can't loan you money but they can.......

    Auto Credit Express is not a lending company. They ARE a third party company to the car buying process that puts you in contact with dealerships who have a history of being able to find a lender or lenders who have are more apt to work with your particular credit needs. After shopping around for almost a week and having my credit information requested 16 times which reduced my already poor credit score even more Auto Credit Express got me in touch with a dealership that was able to get me into a car that same day. And it is a nice car with a 3 year 36,000 mile warranty. I couldn't be more satisfied with my experience.

    ...

  • author
    Angel Florek
    Jan 01, 2022
    Great experience

    Great experience, hassle free

    ...

  • author
    Connie
    Dec 29, 2021
    I was directed to a "dealership" where…

    I was directed to a "dealership" where I bought my car I'm trying to trade in. I had a horrible experience and I won't go back. They never called me anyway which doesn't surprise me.

    ...

  • author
    David Morris
    Dec 26, 2021
    Great service but only to find out…

    Great service but only to find out after I did everything they kad to keep it and put brakes on it and do an oil change.... they say 7 to 14 days I can pick it up

    ...

  • author
    Shearman Ju
    Dec 26, 2021
    I am getting help with improving my…

    I am getting help with improving my credit score

    ...

  • author
    Empty Simiron
    Dec 25, 2021
    i don't have a experience

    i don't have a experience

    ...

  • author
    Mike Swinehart
    Dec 24, 2021
    If you are looking for a place that…

    If you are looking for a place that will do just about anything to get you into a new to you car, truck or just about anything else call Jenny at Gregg Young Chevrolet they will do you right.

    ...

  • author
    Dorothy Mulugeta
    Dec 23, 2021
    Good customer service and fair price

    Good customer service and fair price . Happy with the purchase.

    ...

  • author
    MARY HORTON
    Dec 20, 2021
    They treated us well.worked with Amber…

    They treated us well.worked with Amber from beginning, her personality and calling us to see if we were still interested got us there, I know she wasn't sales rep Quinton was but that young lady was attentive, and smiled a lot, and knowledgeable about vehicle history, I was completely satisfied after listening to her and seeing her demeanor!

    ...

  • author
    Debra King
    Dec 19, 2021
    I felt like the salesman Garret treated…

    I felt like the salesman Garret treated me like a family member. I have COPD and he went above and beyond a normal car sale. Because I had leave because of my medical issues he has offered to have me return to show me all the accessories on the vehicle. I would recommend this dealership to anyone that was in need of a vehicle.

    ...

  • author
    Karim Aitsaid
    Dec 18, 2021
    The best experience in my life wit…

    The best experience in my life wit carmax

    ...

  • author
    sb pluto
    Dec 16, 2021
    I put my information into this website…

    I put my information into this website to apply for a loan. What I wasn't aware of was that they would share my information with FIVE DIFFERENT companies who each put in a credit request and gave me FIVE HARD INQUIRIES on my credit. Do not put any information into this website.

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  • author
    Michael
    Dec 15, 2021
    Thank you Auto Credit Express!

    Thank you to Auto Credit Express for clearing the way for my first car purchase in several years!

    ...

  • author
    Bonnita Shaw
    Dec 15, 2021
    Great people to work with

    Great people to work with

    ...

  • author
    Joe Stafford
    Dec 14, 2021
    Took way too long to complete

    Took way too long to complete

    ...

  • author
    Patrick Logan
    Dec 08, 2021
    I talked with Jon Duncan and he was…

    I talked with Jon Duncan and he was awesome! Thanks a bunch, Patrick L

    ...

  • author
    Roberto Hughes
    Dec 08, 2021
    They make it simple to apply and Auto …

    They make it simple to apply and Auto Credit Express is there through out the process.

    ...

  • author
    Alphonso English
    Dec 08, 2021
    Great guys here

    Great guys here! Took time to explain and show several vehicles until we found the best car and deal for me. My sales person Andrew was the best, no pressure, just gave info and helped with making my experience awesome!

    ...

  • author
    William Wilkins
    Dec 07, 2021
    Great help when I needed it!!

    Great, helpful, friendly, easy to use & effective!

    ...

  • author
    Jocelyn Smith
    Dec 05, 2021
    I was skeptical but I was approved for…

    I was skeptical but I was approved for a truck! Easy process

    ...

  • author
    Steven Wandzilak
    Dec 03, 2021
    Steve was very knowledgeable about my…

    Steve was very knowledgeable about my situation and what kind of features I was looking for in a vehicle. The managers got me approved with my credit score. Very well pleased with the overall experience.

    ...

  • author
    Dinah Pasco
    Dec 01, 2021
    All the personnel are very…

    All the personnel are very accommodating.

    ...

  • author
    Christopher Forster
    Nov 28, 2021
    It was a easy process

    It was a easy process. Kept my down-payment and monthly payment where I said I could afford.

    ...

  • author
    Jason Pack
    Nov 27, 2021
    Need free assistance help

    Need free assistance help

    ...

  • author
    Terrance Griffin
    Nov 23, 2021
    Real helpful

    Real helpful

    ...

  • author
    Esther Westfall
    Nov 21, 2021
    Jasion Harris was really good to me…

    Jasion Harris was really good to me throughout the buying process. I really appreciate them helping me get into a newer vehicle.

    ...

  • author
    William Ayers
    Nov 21, 2021
    God blessed it

    God blessed it

    ...

  • author
    Latrisha
    Nov 21, 2021
    My motor went out

    My motor went out

    ...

  • author
    Keri Johnson
    Nov 18, 2021
    Iowa

    Thank you for matching me with gregg young!!!

    ...

  • author
    Celeste Darden
    Nov 17, 2021
    Good experience!!!

    Good experience!!!! They worked with me to get me into a vehicle.

    ...

  • author
    Donna Cothran
    Nov 17, 2021
    Great people help you with whatever you…

    Great people help you with whatever you need make sure they work with you

    ...

  • author
    Geri Simmons
    Nov 17, 2021
    Gabby was great!

    Gabby was great. She worked with me as I have poor credit. She made the process go as easy as possible. Only complaint is I can't get a response to get a copy of a signed document when we agreed on the price of the vehicle and for part of the deposit they carried me on to get the financing. I will update to let you know how they respond to this matter.

    ...

  • author
    Linzy Murphy
    Nov 16, 2021
    They deserve a twenty star wonderful…

    They deserve a twenty star wonderful sales person wonderful fiancé manager great great service customer service was awesome

    ...

  • author
    Humberto R
    Nov 15, 2021
    I never imagine you can help me!!

    I never imagine you can help me!!! Excellent service!!! THANK YOU

    ...

  • author
    Je Jackson
    Nov 14, 2021
    Great they’re

    Great they’re

    ...

  • author
    DENNIS BALENTINE
    Nov 12, 2021
    Best experience ever!

    Best experience ever!

    ...

  • author
    Lukas Mazurek
    Nov 11, 2021
    Amazing experience

    Amazing experience. Signed up, they had me paired with a dealership within 2 days! And I drove home a new vehicle on day 3!

    ...

  • author
    Lyndale Galloway
    Nov 11, 2021
    Great fast service

    Great fast service. Had me on the road within 2 hours. Fastest time ever, very respectful of my needs.

    ...

  • author
    Joy
    Nov 11, 2021
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    ...

  • author
    Nathan Nash
    Nov 09, 2021
    Best Experience Ever!

    This has has been the best experience ever with a dealership. Terrence went above and beyond to make owning a vehicle from a dream to reality. We have had nothing but nightmares with vehicles bought from other dealership but they made this experience feel like a friendship more than a dealership. I will never go anywhere else for a vehicle ever again. We never thought we get such a sweet deal. Just let Terrence work his magic and you'll not be disappointed. Him and his team are the best! Thank you Auto Credit Express for setting this opportunity up.

    ...

  • author
    Weekes-Rudder Shernell
    Nov 03, 2021
    Very helphelpful and good service

    Very helphelpful and good service

    ...

  • author
    Jason Spencer
    Nov 03, 2021
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    ...

  • author
    Jonathan Brown
    Nov 02, 2021
    Great and fast service

    Great and fast service. Great customer service. I’m a happy customer

    ...

  • author
    Philomena M Gilbert
    Nov 01, 2021
    Application process was very easy

    Application process was very easy

    ...

  • author
    Katrena Sanders
    Nov 01, 2021
    Customer service was good

    Customer service was good, the gentleman went above and beyond to help me, he was outstanding

    ...

  • author
    Keeli Stinson
    Nov 01, 2021
    Darryl at usautosales was awesome

    Darryl at usautosales was awesome, very helpful and I would send everyone there

    ...

  • author
    Brandon Lindsay
    Oct 31, 2021
    Absolutely loved the sales and service…

    Absolutely loved the sales and service at Insta car

    ...

  • author
    Nicole Smith
    Oct 31, 2021
    The people here at Mossy Honda made me…

    The people here at Mossy Honda made me feel so comfortable and welcomed

    ...

  • author
    Jessica
    Oct 30, 2021
    Thank u

    It was a very fast and easy experience thank you for all your help

    ...

  • author
    Jeffrey V.
    Oct 27, 2021
    This website rocks

    This website rocks! I have never had such a pleasant and great experience purchasing a car. All the way from applying on this website to making my appointment with Dick Hanna! This experience has made me a loyal customer to both Auto credit express and a life time customer of Dick Hanna Nissan in Glastone! Thankbyou guys for absolutely everything!

    ...

  • author
    carlos rodriguez
    Oct 26, 2021
    Great experience

    Great experience. At Nissan auto mall they help me for buying my car. It was excellent.

    ...

  • author
    Walter Carter
    Oct 25, 2021
    All I can say is they were curious and…

    All I can say is they were curious and they worked hard get me in my new vehicle.

    ...

  • author
    Xavier Perkins
    Oct 25, 2021
    Great service, Fast reply time and amazing approval rate in less then 24hrs.

    Great service, Fast reply time and amazing approval rate in less then 24hrs.

    ...

  • author
    Arian Vazquez
    Oct 24, 2021
    The group of team member that goes out…

    The group of team member that goes out of their way to help someone who has always had bad luck thanks to them i can finally go back to having my time picking up my kids in a vehicle that is safe/reliable/and dependable. Thank you very much for everything you have done for me

    ...

  • author
    Jeanieann Brogden
    Oct 23, 2021
    Miserable experience

    Miserable experience

    ...

  • author
    PAUL SONGER
    Oct 22, 2021
    am so much for hear this from thanks so…

    am so much for hear this from thanks so much

    ...

  • author
    John
    Oct 22, 2021
    Great staff & no hassle/ no pressure…

    Great staff & no hassle/ no pressure salesman. The process was simple.

    ...

  • author
    Curtis Clark
    Oct 21, 2021
    Yes it was paid for.please give me the product

    Yes it was paid for.

    ...

  • author
    Jonathan Lavery
    Oct 20, 2021
    Wiz JOCELYN is a great businessman and…

    Wiz JOCELYN is a great businessman and the bank is awesome they will work with any credit

    ...

  • author
    Cheryl
    Oct 20, 2021
    Deceptive Practices

    As another reviewer indicated in his recent review, Auto Credit Express utilizes a number of unfair and deceptive advertising practices, including false advertising and bait and switch. One thing the reviewer failed to mention is that Auto Credit Express also subjects its applicants to an incredible amount of advertising abuse, commonly known as “spam,” and exposes people to extremely high risk of being defrauded or “scammed.” Here’s how it plays out: Auto Credit Express applicants are required to request and pay for their credit reports including scores before their application can be submitted. After completing the online application, applicants are then redirected to a page with a paywall to complete an order for their credit reports and scores. There is no opt-out option or method of bypassing this page, leaving applicants uncertain if their credit application was transmitted at all. This is extremely problematic for a number of reasons, one of the most troubling being that the credit report order is processed by a not-well-known third-party company. Once in possession of your personal data, this third party company then shares your data with an enormous number of advertisers and spammers. Email inboxes and Junk folders become inundated with a ridiculous amount of unwanted and often questionable messages. Cell phones begin receiving multiple calls and texts almost daily from scammers, real estate predators, pornography, spoofers, and telemarketers. These fraudsters, con artists, and mindless jerks do not bother to consult the federal Do Not Call List, and consistently violate it with impunity, because there’s usually no feasible way for the government to enforce any consequences against violators that can’t be found. These jackals hide behind untraceable or hacked phone numbers, disposable email addresses, broken links, etc. This is also all but impossible for victims to directly stop, short of disconnecting entirely from technology, or changing phone numbers, email addresses, and sometimes even residential and/or work addresses, due to a corresponding increase in junk mail delivered by the post office to the addresses on applications. This means that Auto Credit Express has knowingly and intentionally entered into an agreement with this third party “credit report” provider in which ACE has agreed to refer its unwitting applicants to this other company for the purpose of coercing people to order and pay for completely unnecessary copies of their credit reports and scores, likely in exchange for compensation being paid to ACE. We all have the ability to obtain our credit reports for free, and there are free resources available that allow us see most, if not all, of our credit scores for free. Furthermore, what other creditors require their applicants to independently obtain their own credit history information in order to process a loan request? NONE! Not Santander, not Capital One, not Americredit, not Carmax, not a single one other than ACE requires this nonsense. This required added step in an ACE application is nothing other than a scam in itself. Completing the credit score request with this third party constitutes blatant theft of consumer data under false pretenses. Additionally, it is intentional theft of consumers’ financial resources, in that consumers actually pay to become a victim of this advertising harassment. Having fallen victim to this scam a few years ago, I know from personal experience, that the alleged credit reports and scores ordered at the end of ACE’s application never actually materialize, but the spam and scam attempts most definitely do, with an aggression that is relentless and eternal. I can also confirm the previous reviewer’s statements concerning the language used by ACE in its loan solicitations, which does indeed give the unmistakable impression that an auto loan will be extended regardless of bad credit, no credit, low credit scores, bankruptcies, or repossessions. These claims are made explicitly (clearly) and implicitly (subtly) in their marketing. Of course it is. Auto Credit Express is, after all, in the subprime lending industry. Those who have non-preferred credit histories are ACE’s primary target market. People with stellar credit do not utilize ACE’s services. Why would they need to? Auto Credit Express is most definitely a deplorable and abusive company that capitalizes on the downtrodden and financially challenged. If we had an effective government that understood its role in governing, companies like ACE and its data mining sidekick would be immediately and permanently shut down, and their executives would be imprisoned. Which is exactly what should happen, but obviously never will.

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  • author
    Adrain Hunt
    Oct 20, 2021
    They where very helpful in helping me…

    They where very helpful in helping me get my car. U should go there because they are very friendly.

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  • author
    Shasta McClain
    Oct 19, 2021
    Helpful

    These guys seem to be very nice and helpful

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  • author
    Shaun Perkins
    Oct 16, 2021
    The best car buying experience…

    The best car buying experience possible Thank you!!

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  • author
    Martin Kazmierczak
    Oct 10, 2021
    That's one way to get improved although…

    That's one way to get improved although my computer froze I still got a call immediately

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  • author
    Roberto Carlos Cazun
    Oct 10, 2021
    Oakland en San Leandro c.a

    Pinter end contrucción

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  • author
    Clara Fredrick
    Oct 02, 2021
    Great Service and delivers on the…

    Great Service and delivers on the service's mentioned in the advertisement

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  • author
    Walter Martin
    Oct 01, 2021
    Came thru for me in a desperate…

    Came thru for me in a desperate situation.

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  • author
    Kristine Cooper
    Oct 01, 2021
    Great Experience

    Great Experience! Mr. Bobby Moore was my salesman and he made the whole Experience easy and stress free. It wasn't an all day affair. I was able to get some things done prior to coming to the lot so when I got there it was test driving and picking a vehicle. Not too long after that I was driving my new vehicle home. Thank you!

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  • author
    Linda E OSHELL
    Sep 29, 2021
    Thank you I’m glad to get here have…

    Thank you I’m glad to get here have looking for your help

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