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      May 29, 2020

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Auto Credit Express vs USAA

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To help you find the Best Auto Loans, TopConsumerReviews.com provides you with an in-depth comparison of Auto Credit Express and USAA.

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Finding an auto loan is no longer limited to what your current bank will offer or what the dealer brings to the table. You can take control of your next auto loan terms by shopping online for the best deal available. Several auto loan companies post the most competitive auto loan rates online to attract your business.

In today's economy, may people have less than perfect credit. Many companies offer car loans to those who have suffered bankruptcy, late payments or a low credit score. By researching and finding the best auto loan, you'll potentially save hundreds to thousands of dollars each year in payments and interest over other auto loans.

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2020

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3.5 stars
Auto Credit Express

AUTO CREDIT EXPRESS

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BBB Rating:

A+

Auto Credit Express works with car dealerships and customers alike to provide special financing for those with a history of slow pay, repossession, and bankruptcy. They specialize in special circumstance loans and since 1999 have issued over $1 billion dollars in bad credit car loans. Auto Credit Express holds an A+ Better Business Bureau rating.

Financing a new or used car at Auto Credit Express is simple and only takes 30 seconds for the initial pre-qualify process. Before purchasing a car, Auto Credit Express allows the consumer to identify what they qualify for - quick and simple.

Application Process:

  • Input name, social security number, address, employment information, trade-in information and more to complete the process.
  • Once the information is submitted, Auto Credit Express will return with an loan amount you quality for.

The website is very forthcoming and helps educate the car buyer with a number of helpful resources such as a bad credit FAQ, loan calculators, credit profiles, credit score check, information on credit repair, and more. Auto Credit Express also has a relationship with iMotors to help you in your new or used car search.

If you in the market for a new or used car, and a shaky credit history is slowing you down, then Auto Credit Express should be your first stop. We especially liked the quick and easy qualification process and well as the helpful calculators and educational articles.

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2.5 stars
USAA

USAA

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BBB Rating:

B

USAA or United Services Automobile Association was founded in 1922. Today the company provides car loans, insurance, retirement, banking services and more to those that have served in the military, as well as, their families. Approximately 10 USAA locations exist in the US for walk-in services.

The USAA website lacks easy navigation and we found ourselves disappointed with the layout. The application process for a loan is also a bit cumbersome. To apply for a loan you must first create an account. Next you input contact information, military identification, social security and more. The approval process occurs via email which may or may not be instant.

USAA also works with specific dealerships to expedite the complete process. The downside to their effort is that they had very few cars and dealerships in their database that were located to several major cities. Another concern was the BBB rating. Our Better Business Bureau search found several customer complaints with USAA - with the biggest issue being slow resolution response.

Overall, USAA limits clients to military only and while the rates may benefit those that have served our country, the application process was a bit tedious. Customer complaints with the BBB were also numerous and brought some concern. We would like to see some improvements at the USAA website as well as with their customer service.

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Continued from above

However, not all auto loan companies are the same. There can be wide differences in the features and auto loan terms that they offer.

Before you apply for your next auto loan, consider the following important factors:

  • Application Process. What is the process of applying for the auto loan?
  • History. Does the auto loan company have a history of pleasing the customer and using quality business practices? How do they rank at the Better Business Bureau?
  • Focus. What type of auto loans do they offer? Are their auto loans geared for all levels of credit?

TopConsumerReviews.com has reviewed and ranked the best Auto Loans available today. We hope these reviews help you find the most affordable loan available for you!

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