Availability: All 50 states.
Auto Credit Express is a lead generation company that was started in 1999. Here is how it works: thousands of proactive individuals visit the website because they have credit problems, then they fill out an extensive loan application, lastly Auto Credit Express takes their information and finds a bank or dealer that will supply you a loan. In this way, people with bad credit don’t have to search around for a place that offers a bad credit loan. Instead, they can apply on Auto Credit Express who can then sell their application to a company who is willing to loan to an individual with that specific credit score. Auto Credit Express has a goal of rebuilding America’s credit, and they do this by helping each individual successfully take out a loan that they qualify for.
Auto Credit Express Image 2Auto Credit Express Image 1Auto Credit Express BBB

The Good

They best part of Auto Credit Express (ACE) is they are willing to find you a solution for your bad credit score. Additionally, ACE’s goal to rebuild Americas credit makes them very invested in your loan. ACE provides a lot of education on their website about different financing options and the pros and cons of each. ACE explains financial lending company titles so you can understand the benefits that each lending company has. Typically if you have bad credit, ACE is going to be the best place to go to find an option that allows you to find all the places where you could qualify for a loan, and then ACE can connect you with the best financial lender for your situation.

What we especially like about ACE is that there is a lot of potential, every bank or dealership will have different options but if ACE can do all the grunt work for you and find the best deal, then it wouldn’t hurt to apply since there are no application fees involved. Plus, you can apply easily online and even get pre-qualified for a loan in about three minutes. Lastly, you have the security of knowing that ACE is BBB accredited with an A+ rating and has an easy to reach customer service line.

The Bad

The bad part about Auto Credit Express is that they are simply a leads generation company. Because of this you cannot find any advertised information about loan terms and APR before you apply for a loan. You simply have to submit your application and hope that ACE can find a company out there that has an auto loan suited for you. Unfortunately, ACE cannot search every company that offers bad credit loans (they are partnered with about 1,100 dealers) to see what your best deal would be. You simply have to hope that the sponsored companies ACE provides will accept your application and have the best deal for your credit score. 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 they only have one or two dealer options for you. If that dealer doesn’t have a loan that works for you then you’re out of luck.

The Bottom Line

Auto Credit Express is only a good solution if you have poor credit. If you have a good credit score you should apply directly to a lender. Since ACE has an A+ BBB score and so many positive customer reviews, we would recommend them as a poor credit solution if you are desperate for a loan.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

X close
X close

No Auto Credit Express Reviews

1. Select Your Rating:


2. Subject For This Review*(Select all that apply)

0 characters

3. Review Validation*


There are currently no reviews .