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Auto Credit Express is an online connection service that can help you find a lender fits your budget. Even if you have bad credit or have filed for bankruptcy. But you might not find financing if you make less than $1,500 a month. And be prepared to screen calls from lots of car loan providers.
Varies
APR
Product Name | Auto Credit Express Car Loans |
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APR | Varies |
Interest Rate Type | Fixed |
Requirements | Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada. |
Auto Credit Express is a referral source, not a lender. This means they don’t require you to meet specific eligibility criteria but rather general requirements lenders may have.
To take out an auto loan with a partner in its network, you’ll typically need to be:
Auto Credit Express isn’t a direct lender. Instead, it’s an online service that specializes in finding car loans for borrowers who have bad credit, no credit or simply trouble getting a loan because of a past bankruptcy. Auto Credit Express makes money by charging lenders to its partners to join the network, resulting in a free service for you.
A service like Auto Credit Express sounds helpful if you’re in a financial pinch, but it also narrows the pool you’re drawing from. Its network includes more than 1,000 lenders across the US and Canada, but borrowers complain that its options are limited in some states like California.
After you complete a quick online application, you’ll meet with an Auto Credit Express specialist to go over your options. This can be particularly helpful if you have bad credit, since good deals can be far and few between. It depends on the lender and your specific circumstances. Because lenders consider those who have bad credit a higher risk for default, you’ll most likely be approved for a high rate. Borrowers with bad credit pay an average interest rate of 10% to 13% on car loans — and much higher in some cases. Always compare your options before signing a contract.What types of car loans does Auto Credit Express offer?
What rate will I get through Auto Credit Express?
BBB accredited | Yes |
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BBB rating | A+ |
BBB customer reviews | 1.8 out of 5 stars, based on 31 customer reviews |
BBB customer complaints | 10 customer complaints |
Trustpilot Score | 4.7 out of 5 stars, based on 2,373 customer reviews |
Customer reviews verified as of | 16 October 2020 |
Auto Credit Express’s online reviews are generally positive for a bad credit connection service as of June 2019. The Better Business Bureau (BBB) gives an A+ rating and customers rated it 3 out of 5 stars on average. The connection service did slightly better on Trustpilot, earning a 9.1 out of 10 based on over 1,300 reviews. Nearly 80% of reviewers rated it as “Excellent.”
Many customers were pleased with how simple and easy the process was. However, some were discouraged by how many dealerships asked to meet with them only to turn them down. And others didn’t like how many local dealers were contacting them — a common complaint for car loan brokers.
No, Auto Credit Express is a legit connection service. It’s been been accredited with the BBB since 2004. It’s also been around longer than a lot of online connection services, and has had no government actions or lawsuits against it.
1. Click the Go to site button on this page to go straight to Auto Credit Express’s website.
2. Click Apply now to view the online application form.
2. Enter your contact information and click Continue.
3. Follow the instructions to submit all required information.
After you submit your application, a call center representative will call you within 48 hours to set up an appointment with a special finance manager. Together, you’ll review your options to find a lender and car that fits your budget.
The easiest way to find a dealership inn your area that works with Auto Credit Express is to call customer service. Or, if you have a preferred dealership, reach out to them to ask of they work with this service.
Once you’re offered and accept a loan, stay on top of your payments to avoid stiff fees and penalties.
If you need to buy a car but are in a financial bind, Auto Credit Express could connect you to a lender in its network. The representatives help you navigate your options to potentially find a better deal than you’d find on your own.
Because you’ll need to sign up to learn the rates or terms you might qualify for, you may want to compare other car loan providers before you commit to a contract.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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