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Auto Credit Express


Auto Credit Express was established in 1999, and today, it is a part of the Internet Brands Automotive Group, which is a huge network of car buying and financing resources in North America.

They take pride in giving assistance for financing new or late model cars to people with various credit issues such as delinquencies and repossessions as well as individuals with bankruptcy discharges. They strive to offer help to people all over the country every day, and it’s one of the things that makes them unique and better than other auto financing companies.

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  • Simplified application procedure
  • Strong network of subprime lenders
  • Variety of tools offered


  • Excessive charges
  • Lengthy process for credit check
  • Special requirements for subprime loans


Even though Auto Credit Express is known for offering help to people with bad credit, there are a few reviews that complain about the excessive charges.


Auto Credit Express is known for offering long-term protection warranties for your vehicle. It is also known for helping people with bad credit, which is one of its most distinctive features that makes it stand apart from its competitors.

Other offerings

Other facilities offered by Auto Credit Express are special financing options for the people with bad credit, bankruptcy loans which help people get back on the track, and more.

Terms and conditions

One needs to be prepared for the various requirements for getting an auto loan. Even though some requirements might vary from lender to lender, one must satisfy some primary requirements such as the candidate must be of 18 years of age, must have a valid driver license, and must be a legal resident of the country. However, some subprime auto loans might have specific requirements. Note that Auto Credit Express is not the immediate lender, and it is just a platform that helps customers connect with the suitable lenders that will help them in their purchases. Hence, there might be some factors for which Auto Credit Express do not take decisions, and thus the responsibility lays solely with the lender you choose.

Tools offered

  • Auto Credit Express offers various types of credit tools which are very beneficial for anyone who is looking forward to taking an auto loan.
  • The Car Loan Estimator tool lets you get an estimate of the loan amount that you are eligible for, which is based on your income, debt, and credit score.
  • Payment Calculator helps you calculate your monthly installments for an auto loan. This calculator only provides an estimate, and it makes use of the standard 30 days until the first payment is due.
  • They also provide an extensive selection of subprime car dealers throughout the country. In this application, you have to enter your zip code so that you can access a wide list of local financing options and dealers that are willing to provide auto loans to people with bad credit.
  • The Auto Insurance tool helps you compare various auto insurance rates and also provides you with a list of top insurance providers in your area.

Credit score

Auto Credit Express is a good option for you if you have a minimum or no credit score. In fact, they offer people a chance to improve their credit score as well as find financing for their new vehicle. Even though they are not the direct lenders who offer finance, they help people connect with subprime lenders who are willing to work with people having bad credit ratings. Moreover, their website offers free credit score checks, by using which you can instantly access or learn about your credit score. One of the issues with this free credit score checker is that you need to follow numerous steps to check your credit score. Moreover, after following such a lengthy process, you realize that you do not qualify for an auto loan at the end, the whole procedure will seem pointless.

Applying for a loan

For a very long time, Auto Credit Express has been working with people all over the country who are in need of auto financing. They have a simplified process as their easy online auto loan request form enables you to quickly match your requirements with the policy guidelines of local dealers or lenders. As soon as you find a local dealer that matches your requirements, you can visit the dealership and shop for your new vehicle. You will need around three minutes to fill their secured online loan request form. Whether you have a bad credit score or little to no credit or have gone through a bankruptcy, they can help you find appropriate car financing options as per your budget.

Auto Credit Express