Auto Credit Express review: Bad credit? No problem!

With Auto Credit Express you get access to multiple car dealers and lenders with flexible payment options even if you have bad credit.


by Danilo Pereira

Published on 09/28/2022

Auto Credit Express: get approved for auto loans even if your credit is damaged

Auto credit express
Auto Credit Express will link you to your new car. Source: The Post New.

With Auto Credit Express, you can get matched with car dealers and lenders. If you are unable to get an auto loan through traditional lenders, check this Auto Credit Express review.

  • APR: N/A
  • Loan Purpose: Auto and Auto Refinancing
  • Loan Amount: Starting at $20,000 – Maximum not disclosed
  • Credit Needed: Poor – Fair
  • Terms: 24 to 84 months
  • Origination Fee: $0
  • Late Fee: N/A
  • Early Payoff Penalty: N/A
Auto credit express

How to apply for a loan at Auto Credit Express

Learn how to apply with Auto Credit Express and get access to multiple lenders and car dealers with flexible payment options.

Based on some preliminary information you submit, this convenient platform connects you to dealers and lenders who are likely to lend you funds.

Car owners may also benefit from the service, which connects them to auto refinancing lenders.

How does Auto Credit Express work?

Auto Credit Express has a network of 1,500 car dealerships and lenders all over the U.S. and Canada, working with both new and used cars.

It helps borrowers find car dealerships and works with them to provide financing through subprime lenders.

On their website, you can fill in and submit a loan request, but keep in mind this company is not a lender. As such, it does not pre-qualify applicants with a soft credit check. 

Only after you have submitted your loan request will your information be shared with dealers.

After this happens and you have given your consent to lending partners, they will then pull your credit report.

Some network lenders may first perform a soft pull, while others may perform a hard credit inquiry.

Keep in mind hard inquiries will negatively impact your credit score, although that is only temporary.

You will get a confirmation email as soon as Auto Credit Express finds a dealer able to provide your loan. In general, dealers call applicants.

This may happen immediately, but most commonly, it happens within 24 to 48 hours.

Once you decide to take the offer, you will then have to visit the car dealer to provide additional information.

The dealer will then give you an approval decision, and in case you are approved, you will be informed of the rate and whether they require a down payment.

Auto Credit Express: should you apply for it?

happy young couple buying car with auto loan
With auto Credit Express you will certainly find the best offer to get your new car. Source: Freepik.

Now that you have become familiar with some important details of Auto Credit Express, it is time to consider its pros and cons.

Have a look at the list we have prepared below and decide which factors carry the biggest weight to you.



  • Helps car buyers with bad credit, repossessions, or bankruptcies
  • Flexible requirements
  • Many of its partners accept co-signers and co-borrowers
  • Access to multiple dealers and lenders


  • Limited to Auto Credit Express’ network
  • Subprime lenders carry higher rates
  • Some lenders may perform a hard credit pull

What is the required credit score?

Auto Credit Express partners have low credit requirements, and many have no credit requirements.

Learn how to apply for Auto Credit Express

Like what you see? If so, it is probably a good idea to send your application. We have prepared a complete walkthrough of the process to make things even easier for you.

Click the link below, and we will show you how to do it.

Auto credit express

How to apply for a loan at Auto Credit Express

Learn how to apply with Auto Credit Express and get access to multiple lenders and car dealers with flexible payment options.

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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