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Auto Credit Express: 2022 Auto Loan Review

2022-05-24 11:56:00

At a glance

Rating: 3.7 stars out of 5

Bankrate Score

  • Availability
    Rating: 3.8 stars out of 5
  • Affordability
    Rating: 3.4 stars out of 5
  • Customer Experience
    Rating: 3.4 stars out of 5
  • Transparency
    Rating: 4 stars out of 5
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About Auto Credit Express

  • Moneybag

    Loan amount

    $5,000 to $45,000

  • Credit Good

    Min. credit score

    Not specified

  • Rates

    APR from

    Varies by lender

  • Funds available in

    As soon as the day you apply

Auto Credit Express features

Auto Credit Express makes vehicle ownership possible for those with poor credit but can carry steep rates.


  • Checkmark

    Bad credit loans

  • Checkmark

    Encourages co-signers

  • Checkmark

    Low monthly income requirement


  • Close X

    Limited vehicle inventory

  • Close X

    Limited transparency

  • Close X

    Limited customer support

Auto Credit Express serves as a lender marketplace primarily serving drivers with poor credit, no credit and those who have been denied previously due to bankruptcy. Its mission is to help drivers secure loans from a reputable dealer even with less than perfect credit.  

Auto Credit Express works with over 900 dealers across the country to fit every driver's needs for new, used and refinance loans.  

Pros and cons of Auto Credit Express auto loans

Weigh the advantages and disadvantages of a loan with Auto Credit Express prior to submitting an application. 


  • Specialize in bad credit loans. Partners directly with bad credit lenders.
  • Encourages co-signers. Adding a co-signer will help bad credit drivers receive competitive rates.
  • Low monthly income requirement. Auto Credit Express as a minimum monthly income requirement of $1,500.


  • Limited vehicle inventory. You will be stuck with vehicles from partnering dealerships.
  • Low transparency. There is no information about potential APRs on its website.
  • Limited customer support. Assistance is only available on the weekdays.

Who is Auto Credit Express best for?

A loan with Auto Credit Express is best for drivers who need vehicle financing after a lack of approval from more traditional lending options. The lender caters specifically to drivers that have undergone bankruptcy, reposition or hold no and low credit. If you have fair credit or better, you can likely find more competitive rates elsewhere.

Types of auto loans offered

Auto Credit Express offers loans for buying new or used vehicle loans, refinancing, cash-out refinance and leasing. Financing is available from $5,000 to $45,000. 

New and used vehicle loans

If you are looking to finance a new or used vehicle, Auto Credit Express offers options through its lender network. Rates and terms vary but available loans cater directly to drivers with good, bad or no credit history at all. If you are buying new you will be limited to inventory from Auto Credit Express’s partnered dealerships.  


Refinancing your current auto loan can be a great option to lower your monthly payment and adjust your rate. Although Auto Credit Express does not disclose specific credit requirements, its website states that most lenders approve drivers with “good” or above average credit. So, while Auto Credit Express specializes in bad credit loans, refi caters more to drivers with better credit.  

Interest rates and terms

Interest rates will vary by lender, but you can expect APR on the higher side due to Auto Credit Direct’s partnerships with buy here, pay here lots and subprime lenders. Terms offered range from 36 to 72 months. 

How to apply for a loan with Auto Credit Express

An application with Auto Credit Express can be done fully online or via the phone. It will likely take less than five minutes and you can be matched with a dealer within 24 hours of your application. Once you are matched with a lender you will receive a phone call from a local dealership if you are buying new or used and will then be able to choose your vehicle.

Auto loan requirements

The specific requirements vary depending on the lender, but Auto Credit Express outlines the primary expectations when applying for a bad credit loan.  

  • Be at least 18 years old.  
  • Proof of at least $1,500 in monthly income. 
  • Address and proof of residency. 
  • Full-time employment or other fixed income. 
  • Able to acquire auto insurance.  

When it comes to bad credit loans you can also expect to pay a down payment of at least $1,000 or 10 percent of the selling price of the vehicle. Following the lender match, you can expect a hard credit inquiry. 

Customer service

Although Auto Credit Express gets an A+ from the Better Business Bureau, customer reviews are much lower. It ranks at 1.2 out of 5 stars due to its lack of transparency. Customer support is available via an online contact form or on the phone at 855-439-0814, Monday through Friday from 8:30 a.m. to 5:30 p.m. ET.

How Bankrate rates Auto Credit Express

Overall score 3.7  
Availability 3.8 While new, used and refi loans are available, the dealership requirement and middle-tier loan amounts produce a lower score.
Affordability 3.4 Acceptance criteria cater to poor credit drivers but with rates and terms varying by the lender, affordability is tough to measure.
Customer experience 3.4 The combination of limited hours and poor online reviews, customer service slants lower.
Transparency 4.0 Auto Credit Express lacks transparency around its rates and terms, but does provide prequalification.
Editorial disclosure: All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.
Written by
Rebecca Betterton
Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating the ins and outs of securely borrowing money to purchase a car.