Auto Credit Express auto loans: 2025 review

Auto Credit Express is best for borrowers with bad credit  

Auto Credit Express is not a direct lender but rather an online lending marketplace that helps connect prospective borrowers with lenders. Although car financing is available for borrowers with varying credit backgrounds, Auto Credit Express has tailored solutions for bad credit borrowers. If you have little to no credit history or have faced challenges getting approved for an auto loan due to a prior or current bankruptcy, you could be in luck with Auto Credit Express.  

Types of car loans that Auto Credit Express offers

The lenders in the Auto Credit Express network offer new, used and refi auto loans with varying terms. 

Where Auto Credit Express stands out  

• Bad credit financing: Auto Credit Express partners directly with bad credit lenders to help consumers with no or poor credit to access auto loans. 
• Cosigners allowed: The lender encourages borrowers to add a cosigner to their loans. Adding a friend or family member with strong credit can help individuals with bad credit receive more competitive rates. 
• Low minimum income requirements: Auto Credit Express has a minimum monthly income requirement of $1,500 to $2,500.

Where Auto Credit Express falls short  

• Limited vehicle inventory: Auto Credit Express borrowers will not be able to use their auto loan to purchase any vehicle. Instead, you will be stuck with vehicles only from partnering dealerships.  
• Unknown rates: The lender is not transparent about expected rates. There is no information about expected APRs, which can be especially daunting for those with poor credit. 
• Customer service: Assistance is only available on the weekdays, and there is no online chat feature at the time of writing. 

Auto Credit Express customer resources

Customer support 

Customer support is available via an online contact form or on the phone at 866-902-4403. Agents are available Monday through Friday from 8:30 a.m. to 5:30 p.m. ET.  

Digital experience 

The Auto Credit Express website appears somewhat dated and features a menu-heavy layout that can be difficult to navigate. There is also no chat option available to potential or current borrowers. However, you can still fill out a loan request form online. The company also prominently features its phone number for those who prefer to speak directly with someone.  

Do you qualify for an Auto Credit Express auto loan?

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 to $2,500 in monthly income
• Employed full-time or guarantee of fixed income
• Address and proof of residency in the U.S. or Canada
• Have a valid driver’s license
• Can acquire auto insurance

You can also expect to pay a down payment of at least $1,000 or 10 percent of the selling price of the vehicle. 

How Bankrate rates this lender

Auto Credit Express receives two Bankrate Scores. One is for its new and used loans, the other is for its auto loan refinance products.

What customers think

What people across the web are saying about Auto Credit Express

Auto Credit Express has an excellent Trustpilot score of an average of 4.4 out of 5 stars. Positive reviews mention fast funding and attentive customer service. 

One borrower had this to say:

Less favorable one-star reviewers noted a poorly explained process: 

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Community Auto Credit Express scores