Best Reviews TopConsumerReviews.com Best Auto Loans Best Reviews
Best Reviews
      August 7, 2020

Home  >  Auto Loans  >  Auto Credit Express Review

Best

Auto Loans

  1. Credible
  2. LendingTree
  3. My Auto Loan
  4. Auto Credit Express
  5. CARCHEX
  6. OneMain Financial
  7. LendingClub
  8. Road Loans
  9. Instant Car Loan

Your Information Is Secure
Worry Free Car Care Manual Newsletter

Compare Products

  • Select any 2 companies in our reviews to compare them head-to-head!

Latest Reviews

Auto Loans

Babysitters

Christmas Cards

Credit Counseling

DUI Lawyers

Fruit Clubs

Home Brew Beer Supplies

Homeschool Supplies

Music Publishing

Senior Care

 

Individual Reviews

Upstart

Credible

LendingTree

My Auto Loan

Auto Credit Express

CARCHEX

OneMain Financial

LendingClub

Road Loans

Instant Car Loan

 

Related Articles

Are Auto Loans Through A Car Dealer A Good Idea?

Auto Loans Versus Auto Leases

How Much Car Can You Afford?

How Your Auto Loan Can Be Affected By Your Credit Rating

What To Look For When Shopping For An Auto Loan

 

Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.

Better Business Bureau Reliability Seal

Auto Credit Express Review

Best Auto Loans

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

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

Where can you get the best auto loans? You're right if you suspect that the answer to that question is "not necessarily at the dealership".

You might initially be lured in by a dealership's attractive 0% financing offers - but unless you've got extremely good credit, you're not going to qualify. And, in the excitement of getting your new (or new-to-you) car, you could wind up with interest rates on your car loan that are even higher than what you'd get elsewhere.

Continue reading below reviews

Best Reviews

2020

Auto Loan Reviews

3.5 stars
Auto Credit Express

AUTO CREDIT EXPRESS

Visit Site

BBB Rating:

A+, accredited since 2004

If you're trying to buy a car and your credit history is less-than-perfect, you might want to check out Auto Credit Express. This service has a good reputation: an "A+" and accreditation from the Better Business Bureau, with very few complaints over more than 20 years in operation. In other words, if you've got bad credit, this is a good option to have!

Quick & easy application

The online application process only has a few steps: fill in your name, address, birthdate, living situation (rent, own, live with family) and monthly payments, employment information, Social Security number and contact information. Your application will be given to Auto Credit Express' network of dealerships for approval.

Car dealer partners

It's important to note that, if your auto loan is approved, it can only be used to buy a car from one of their "authorized licensed car dealer partners". At the time of our review, there were more than 1,000 active dealerships nationwide in their network; you can click on the big purple box towards the bottom of the page and browse them to see if there are any in your area. It will be the dealership that gives you the funding, not Auto Credit Express, so your credit report will not be checked when you fill in the application on this site.

Best Auto Loans

Specialize in bad credit

This service specializes in auto loans for people with bad credit, so there are some basic eligibility requirements you'll need to meet if this applies to you:

  • At least 18 years old
  • Minimum gross monthly income of $1500 if your credit score is less than 625
  • No auto loan repossessions within the last year (unless they were included as part of a bankruptcy)
  • Completed 341 meeting of creditors if there's a Chapter 7 Bankruptcy
  • Authorization to Incur Debt required from trustee for a Chapter 13 Bankruptcy

Helpful information

You can also check out some of the resources at the bottom of the Auto Credit Express site. There, you'll find a car loan estimator and details on how to get your free credit score, as well as information on loan options like $500 down, military financing, and more.

Smooth transactions

We were pretty impressed with the number of recent customer reviews saying that they had an excellent experience using this service to get the auto loan they needed. People frequently mentioned low down payments, fantastic customer service at the partner dealerships, and a smooth transaction overall.

Solid track record

While you may have to give up some options if you get your auto loan with Auto Credit Express (because of the requirement to get the funding through one of their partner dealerships), it might be a good idea to see what they come up with - especially if your credit history is a little shaky. This lending referral service has a solid track record with thousands of satisfied car shoppers, earning them a better-than-average rating among sources of auto loans.

Visit Site

Continued from above

Savvy consumers know that the best way to get truly competitive rates on auto loans is by comparison shopping with online lenders. Even if you're just starting the research process, it only takes a few minutes to find out how much you're qualified to borrow and with what loan terms. With that information in hand, perhaps with a preapproval letter too, you'll be much more confident walking into the dealership and negotiating the best possible deal on the car itself.

Some providers of auto loans specialize in helping customers with less-than-perfect credit. These lenders can work with you to get a loan that you can afford, and they take into account your whole financial picture - not just your low credit score, previous late payments, or a bankruptcy in your past. Of course, if your credit history is excellent, shopping around for your auto loan online will likely turn up dozens of offers to choose from.

It's important to carefully consider several criteria when evaluating different online lenders. These factors include the following:

  • Reputation. A seemingly-great auto loan is a bad deal if the lender isn't trustworthy. What does the Better Business Bureau say about the company? Have other car shoppers had a good experience?
  • Functionality. How easy does the auto loan site make the borrowing process, from information-gathering to funding? Can you work through the steps of securing your loan quickly and intuitively?
  • Options. To whom does the lender cater (e.g. people with good/bad credit? New/used car shoppers?)? Do you have a wide range of loans to choose from, both with respect to interest rates and length of the loan period? Are there any perks or penalties in the fine print?

TopConsumerReviews.com has reviewed and ranked the best auto loan providers available today. We hope this information helps you get the right financing for your next vehicle purchase or refinance!

One woman weathers a career change and upside-down car loan to pay off $133,000 in debt

One-third of adults age 30 or younger have student loan debt, with the median burden hovering at $17,000. Amanda Williams is the founder and owner of Debt Free in Sunny CA, where she helps guide ...

Published:  Thu, 06 Aug 2020 01:06:00 GMT



Ways to get a car finance after Repossession in 6 Steps

Ways to get a car finance after Repossession in 6 Steps Coming into grasp having a bad credit rating is one of many significant reasons of vehicle repossession and can make getting an auto loan hard, ...

Published:  Tue, 04 Aug 2020 20:19:00 GMT



Americans' household debt fell for the first time since 2014 - but that doesn't mean people are paying off their loans

The drop in household debt doesn't mean Americans are better off financially though. A separate survey from real-estate website Apartment List found that one in three people cou ...

Published:  Thu, 06 Aug 2020 15:06:55 GMT



Group 1 Automotive to Present at the Virtual 2020 J.P. Morgan Auto Conference

Group 1 Automotive, Inc. (NYSE: GPI), ("Group 1" or the "Company"), an international, Fortune 500 automotive retailer, today announced that senior management will present at the virtual 2020 J.P.

Published:  Thu, 06 Aug 2020 16:10:00 GMT



Cango Inc. Wins "Best Auto Finance Risk Management Innovation Award" at the 5th Annual China Auto Finance International Summit

PRNewswire/ -- Cango Inc. ("Cango" or the "Company") (NYSE:CANG), a leading automotive transaction service platform in China, ...

Published:  Tue, 04 Aug 2020 01:00:00 GMT



Auto loan forbearance levels off in June, TransUnion says

Automotive loans in forbearance stayed relatively steady in June compared with record-setting growth in April and May, credit bureau TransUnion said last week. Flattening forbearance figures could be ...

Published:  Wed, 29 Jul 2020 09:49:00 GMT



Open Lending Partners with Kasasa to Launch Take-Backa™ Feature for Auto Loans

Kasasa®, an award-winning financial technology and marketing provider, has partnered with Open Lending (NASDAQ: LPRO), a leading provider of lending e ...

Published:  Sun, 02 Aug 2020 20:42:00 GMT



Alfa Announces "Alfa Start", the Preconfigured Software Platform for US Auto Finance Companies, Big or Small

Alfa, provider of Alfa Systems, the software platform that powers some of America's biggest names in automotive finance, has announced ...

Published:  Mon, 03 Aug 2020 10:23:00 GMT



How Marriage Can Affect Your Student Loans

Here's what to know about student loan debt before tying the knot, and how saying 'I do' can affect repayment plans.

Published:  Wed, 05 Aug 2020 07:46:00 GMT



What Ricky Ricardo Would Say About The $765 Million Taxpayer Loan To Kodak (Opinion)

COMMENTARY: I'm giving away my age - or maybe some indication of the amount of stuff tucked away in my cranium.

Published:  Thu, 06 Aug 2020 13:15:00 GMT



Share Us!   

Home      About Us      Terms & Conditions      Privacy Policy      Contact Us      Disclosure