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Auto Credit Express

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LAST UPDATED: May 19th, 2021

Auto Credit Express is a great car loan option for those with bad credit, low credit, or no credit at all. Founded in 1999, Auto Credit Express connects consumers with multiple car dealers or lenders in its network, allowing subprime borrowers an opportunity to be approved for a car loan when they might not receive approval otherwise.

It is important to note, because Auto Credit Express is not a direct lender, you will not know what rates and terms you qualify for until you're paired with one of its network lenders.

Offering various loan options with minimal qualification requirements, Auto Credit Express is a good option for all borrowers. Continue reading for pros and cons, and Auto Credit Express reviews from real customers.


The Good

  • Help for Individuals With Bad Credit Scores
  • Financial Education
  • Quick Pre-qualification

Help for Individuals With Bad Credit Scores

It can be very difficult to qualify for any type of loan if you have bad credit, and finding a bank that will provide financing can take a long time. Auto Credit Express (ACE) does the loan searching for its clients, taking the time and hassle out of getting a loan, which is a nice benefit for clients.

Because ACE connects consumers with multiple lenders, borrowers with bad or low credit are more likely to find a lender that will work with them, although they may not get the lowest rates available. Some dealers/lenders in ACE's network are willing to work with consumers who have declared bankruptcy or have had a car repossessed in the past, two factors that will generally disqualify you from receiving a car loan elsewhere.

Based on the information you provide, you can be paired with various lending options, but it is important to note that rates and terms will vary lender to lender, and approval is not guaranteed, as each lender will have their own requirements.

Financial Education

The best part of ACE is they are willing to find you a solution for your bad credit score. Additionally, ACE's goal to rebuild America's credit makes it very invested in your loan.

ACE provides various educational resources on its website about different financing options and the pros and cons of each. Additionally, ACE provides consumers with credit resources, from checking your credit reports with free credit scores, to learning more about how you can improve your credit reports.

Quick Pre-qualification

The pre-qualification process with ACE takes only three minutes to complete. This application will ask for basic contact information, as well as financial information, providing ACE with some background to connect you with dealers and/or lenders. It is likely that this application involves a soft credit pull, which will not impact your credit score. If you choose a lender to borrow from and complete the application process with that lender, a hard credit pull will then be performed.

Check Rates


The Bad

  • Not a Direct Lender
  • Limited Online Information
  • High Interest Rate Possibility

Not a Direct Lender

The drawback to Auto Credit Express (ACE) it is not a direct lender, and thus does not finance car loans directly. Because of this, you cannot find any advertised information about loan rates and terms before you apply for a loan. You simply have to submit your application and wait for ACE to generate a list of lenders that may finance your car loan.

Unfortunately, ACE cannot search every company that offers bad credit loans. However, ACE is partnered with over 1,000 dealerships in the US. Depending on where you live, you may be able to find good options from ACE's network. 

Another thing to keep in mind is location. Although ACE has a lot of bad credit dealers in states like California, if you live in Colorado or Oregon, ACE has fewer dealer options for you. 

Limited Online Information

Because Auto Credit Express is not a direct lender, general information regarding interest rates, APR, and loan amounts are not available online. However, once you're application is processed, you'll be able to see more information regarding the loan you qualify for.

High Interest Rate Possibility

Although ACE is a good option for consumers with poor credit, you may get hit with high interest rates. The higher your credit score, the lower the rates you will qualify for. This is a standard practice in the industry.


The Bottom Line

While Auto Credit Express doesn't provide a lot of general information about the financing options, it's a great resource for individuals who have trouble qualifying for a loan. ACE matches its clients with various dealers and lenders in its network, which can take the hassle and frustration associated with applying for a loan and being denied the loan.

Auto Credit Express is ideal for people with bad credit. People with good credit may find better rates and terms with a direct lender.

Customer reviews are currently limited. If you have financed a car loan through this company, please tell us about your experience by leaving an Auto Credit Express review.

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Benjamine ,

I have bad credit and my Credit Union would not approve me for an auto loan. I had very little options until I found this site on google, their application took only a few minutes and I heard back from a local dealer that gave me hope. A few days later he was able to qualify me for a new car at a decent rate considering my credit situation. I would definitely recommend this site.

3 years ago

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