With a history that dates back to 1999, Auto Credit Express has been connecting car buyers to dealerships for over 20 years. Keep in mind Auto Credit Express is not a lender, but a loan aggregator. Consumer reviews website Trustpilot has rated Auto Credit Express 4.6 points, and Better Business Bureau has accredited it with an A+ rating. If you look it up online you may find consumer complaints. However, most of those are cases when the consumer did not realize they agreed to credit inquiries. There are also cases when consumers thought their loan would be made available upon submitting the request, which obviously does not happen.

There is something called Internet Brands privacy policy. Under this policy your personal information may be shared with Internet Brands’ affiliates and subsidiaries. The objective is to market to you products and services which you might be interested in. You can opt out of this by sending an email to [email protected]. Your personal information is also shared with partner lenders and dealerships. This is part of the application process.

Financing a car requires a minimum credit score. However, this varies according to the lender you choose to finance your car with. Most lenders use FICO scores to make their decision. FICO scores range from 300 (poor) to 850 (excellent). A number of factors may influence the kind of credit score you may need to buy a car. For example, new cars generally require good to excellent credit. Some lenders may require a cosigner from poor-credit borrowers. Subprime lenders have a number of different loan programs and rates designed for buyers with bad credit. So even if you do not have good or excellent credit, you may still qualify for an auto loan.