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      July 7, 2020

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LendingClub vs Auto Credit Express

Best Auto Loans

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

To see ALL of our reviews for the Best Auto Loans, please Click Here

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.

Continue reading below reviews

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2020

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4 stars
LendingClub

LENDINGCLUB

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BBB Rating:

A

For those looking for an auto loan, traditional loan companies may not be the most affordable option. Other solutions, such as a personal loan, may be cheaper in the long run. LendingClub is a leader in the social lending market and facilitates personal loans, which can be used as auto loans.

Social Lenders such as LendingClub bring individuals that can provide financing for auto loans together with borrowers who need them. They do this with a secure website and sophisticated back-end processing. Without a bank in the mix, borrowers are typically able to get a lower interest rate on their auto loan than traditional methods.

LendingClub currently holds an "A" Better Business Bureau rating. They help facilitate thousands of loans for customers and lenders each and every month. Shoppers can expect a loan rate between 6.95% and 35.89%. Best APR is available to borrowers with excellent credit.

It's very easy to see if a lender is available for your auto loan needs. You just input the amount you want to borrow, the purpose of your loan, and other information such as your credit score, contact information, and income level. Once LendingClub validates this information, they present you with the terms of your loan. If you choose to proceed, personal lenders have a few days to fund your request. Of course, borrowers with a better credit rating typically have an easier time attracting lenders.

If you have any questions during the process, you can speak to a LendingClub representative for assistance. Like any peer-to-peer lending company, a fee is built into the loan in order to cover costs. Also, you can anticipate a one-time processing fee that ranges from 1% to 6% of the loan amount, depending on your loan terms.

If you're looking for an affordable car loan between $1,000 and $40,000, LendingClub may be a solution that works well for your financial situation over traditional auto loan companies.

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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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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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