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.


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.

Trending Topics


How to file taxes: What you need to know

Trying to figure out how to file your tax returns in 2023? This article will tell you the essentials of tax filing.

Keep Reading

NedBank SAA Voyager Gold Credit Card application

Get access to exclusive rewards, discounts, and VIP treatment with the Nedbank SAA Voyager Gold Card. Learn how you can apply for it today!

Keep Reading

Navy Federal Visa Signature® Flagship Rewards Review: no fees

Navigate towards rewards with this Navy Federal Visa Signature® Flagship Rewards review! Start earning points on your travels!

Keep Reading

You may also like


Instacart Mastercard® Credit Card review

The Instacart Mastercard® Credit Card is a great way to earn rewards on groceries, and more! Check our full review to learn all about it.

Keep Reading

Cult Wine Investment review: learn and profit!

If you love fine wine, you can start investing in it to profit! So, read our Cult Wine Investment review to learn more about this market!

Keep Reading

Bank of America® Travel Rewards Card application

See how the Bank of America® Travel Rewards Card application process works and how you can request your card online in just a few minutes.

Keep Reading