Auto Credit Express Auto Loan Review

Rating: 7 / 10 (Very good)
Disclosure: We receive advertising revenue from some partners. 
Learn more.
Founded in 1999 in Auburn, Michigan, Auto Credit Express is a loan consulting service dedicated to helping customers with poor credit obtain loans. Their services connect potential borrowers with lenders and dealers within their network that specialize in people with challenging credit situations.

How is Auto Credit Express rated?


Loan Options
Application & Service

Overall Rating: 7 / 10 (Very good)

Auto Credit Express is an auto loan marketplace that specializes in assisting potential borrowers with poor or zero credit obtain auto loans for the purchase or lease of new and used cars. The company is committed to offering a hassle-free experience for their customers, and dedicate a large amount of effort to that end.

Auto Loans & Refinancing

Loan Options - 7 / 10

Auto Credit Express specializes in helping customers in challenging credit situations, by streamlining their application process, and connecting them to the small percentage of dealers that work with these types of lenders. Since they don't generate loans in and of themselves, loan options will depend on the particular lender a customer chooses from their Auto Credit Express matches.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Loan Qualifications

Qualification - 7 / 10

In order to qualify for a loan with the lenders and dealers in Auto Credit Express' network, prospective borrowers must be able to produce proof of a monthly income of at least $1,500 (from a full time job or a guaranteed fixed income), be current residents of the United States or Canada, able to acquire auto insurance, and able to show proof of residency. They must also have a working phone number, and a recent utility bill.

Borrower Qualifications

Minimum Age
Varies by lender
Minimum Income
1,500 monthly
Minimum Credit Score
Varies by lender
US Citizenship Requirement
Verification / Documents Required
Social Security Number
Driver's License / Photo ID
Employment Information / Pay Stubs
Proof of Citizenship / Residence

Application & Service

Application & Service - 7 / 10

Auto Credit Express' application process is simple and straightforward. After filling out their form, which takes just three minutes to complete, customers are then matched with lenders who may be able to finance their loan. Approval and funding times, as well as fees or specific features, will depend on the chosen lender. Auto Credit Express features a number of educational resources on their page, including a car loan estimator, payment calculator, blog, and videos.
Approval Time
Varies by lender
Funding Time
Varies by lender
Varies by lender

Auto Credit Express Reputation & Reviews

Reputation - 7 / 10

Auto Credit Express is well-viewed in the auto loan industry, helping their customers obtain loans despite poor credit or bankruptcy. Their dedication to customer service is evidenced by their commitment to answering customer complaints. They are a BBB-accredited business with an A+ rating, and an excellent 7.4 out of 10 TrustPilot score, with 74% positive reviews.
Trust Pilot Rating
7.4 out of 10
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Contact & Additional Information

Lender Type
Homepage URL
Company Phone
(248) 370-6600
Headquarters Address
3271 Five Points Drive Suite 200, Auburn Hills, MI, 48326
Year Founded

Leave a comment for Auto Credit Express Auto Loan
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

Top Rated
Our Partner
9.6 / 10
  • Compare 150+ car loan refinancers
  • Get the best rates from lenders across the country
  • Over 300,000 loans funded
  • A+ with the Better Business Bureau
  • Save on auto, RV, Boat, home insurance as well!