Auto Credit Express Review 2019 // Car Financing For Good Or Bad Credit

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What makes Auto Credit Express unique is that they have created one of the nation's largest networks of auto dealers that specialize in financing auto loans for different types of credit profiles. In this post we will show you how you can use them to obtain an auto loan for a new or used car.

Funding Speed

Get funding within a few days.


Rates will vary based on lender.


You can apply for a loan in 3 minutes.


Phone support is fast and friendly

    Credit Knocks Overall Star Rating:     

  • Multiple Loan Options
  • National Lender Network 
  • Bad Credit Is OK
  • Quick 3 Minute Application
  • Only Need 6 Mo. Employment
  • Loan rates depend on Lender
  • Must Use Network Dealership
  • Could Have High Interest Rate


Auto Credit Express doesn’t actually offer loans; however, they connect you with local dealerships and lenders across the U.S. who specialize in helping people obtain loans with bad credit, no credit, good credit, bankruptcies, and repossessions. 

Each dealer will have their own terms and while Auto Credit Express Doesn't pull your credit, one of the lenders or dealerships probably will.  

That is why I created this Auto Credit Express review, so that you can understand how their process works, and the advantages and disadvantages of using them.

Guess What... It's Free To Apply 

Who Is Auto Credit Express? 

Auto Credit Express® was founded by Rich LaLonde and has been around since June of 1999.

Their primary focus is matching their dealer partners with customers that have a challenging credit backgrounds. 

Rich realized that the focus of the company should be on the consumer, utilizing the expertise of ACE and its employees. 

They are like a broker because they don't actually fund any loans. 

What Makes Them Different?

Auto Credit Express has a nationwide network of auto dealers in the United States that have over closed over $1 billion in bad credit auto loans.

auto credit express home page

You can also start this complete process either over the phone or online which is a great option

How Does Auto Credit Express Work?

Unlike a traditional bank or lender, Auto Credit Express is more like a personal agent or broker and you must go through the below process to apply with them.

Meet The Guidelines

First you need to meet the general guidelines before you can apply and those are: 

At least 18 years old, A current resident of the US or Canada, and Employed full-time or able to prove a guaranteed fixed income of at least $1,500 a month

Follow The Process

auto credit express three steps

Step 1 - Complete The Form

It takes 3 minutes or less to knock out the quick form to match you with an auto dealer or lender.

Step 2 - Pair Up

Once this process is complete you will start the next step of getting paired with a lender that can finance you.

Step 3 - Visit The Dealership & Shop

Now that you have been paired, it is time to visit the dealership and shop for your car.

Get Your Paperwork Together

Since you don't know which lender or dealership you will be going to, it's best to be prepared.

Things the lenders might need are: 

  • Banking History
  • Proof Of Income
  • Proof Of Identity
  • Proof Of Insurance
  • Proof Of Residency
  • Information On Vehicle You Plan To Purchase
  • Current Vehicle Registration (If you plan to do a trade in)

Keep in mind this is just a general list, the lenders could need more or less information, just have at least the things above ready.

Time To Apply (Hard Inquiry)

Now that you know you meet the general requirements, you have all your documents together and you know what auto dealer you will be matched with, it's time to apply.

At this time you will probably see a hard credit inquiry hit your credit profile.

Review Your Offer

Be sure to review the offer from the autodealer before you purchase.

You will be given up to 30 days to select one of the four offers presented to you.

You need to look at their requirements as well as interest rates and if they will require a down payment or a co-signer.  Just be sure to pick the best offer!

Look At Everything

Remember that each lender will have their own specifics and requirements so be sure to look at each offer with as much detail as possible. 

Make sure you understand what you are paying for and keep refering to the original offer to make sure nothing changed from the time you accepted it to the time your loan was funded.

Auto Credit Express Tools

Before you start your application process, I recommend you check out some of the tools offered by Auto Credit Express to get a better idea of how much loan you may qualify for and what the costs would be.

Auto Credit Express Reviews

Auto Credit Express has over 1,160 / 5 Star Reviews from Trust pilot which shows that customers are having an overall great  experience with the Auto Credit Express process.

Below are some of their reviews:

auto credit express customer review
auto credit express review

The cool thing about these reviews is that Auto Credit Express (ACE) replies to each one of them.

They also have been a BBB Accredited Business for over 20 years, have an A+ rating, and have only had 3 complaints.  

I think 3 complaints over 20 years is a great standing, they also have 39 customer reviews on BBB with a 3 star average. 

auto credit express bbb

Auto Credit Express has some of the best reviews in this industry for their process and they also have great customer service.

Who Should Apply For Auto Credit Express? 

The best thing about Auto Credit Express is that they deal with multiple auto dealerships who are versatile in the type of people they can get approved for a loan.

Below are some people who should feel free to apply:

People Who Have Had Repossessions

The worst thing about having a car repossessed is that it usually happens that the most inconvenient time. 

If you have had this happen to you then you know it also leaves a negative mark on your credit report and can hurt your credit score.

By dealing with Auto Credit Express, you can find a dealership willing to work with you, even if you had a car repossessed before. 

A person With Bankruptcies

Someone with a bankruptcy is probably used to hearing the words "No" or "Declined."  

However, it doesn't mean that you can't purchase a car because of one.

The good thing about Auto Credit Express's network is that they will be able to partner you with a dealership that will be best for your needs.

Someone With No Credit History

If you don't have any credit, it doesn't mean you have bad credit, it just means you haven't had a chance to establish any for the moment.

It is hard for lenders to make a good decision because you haven't shown if you will treat your credit good or not.

Auto Credit Express has plenty of dealerships with lenders that will work with you.

People with Little credit History

If you don't have a ton of credit history you can still get covered for an auto loan.

Your score might be in the mid to high 500's or low 600's but that doesn't mean you have bad credit.

It just means you haven't had a chance or taken the time to build your credit.

ACE has plenty of lenders that will assist you in getting an auto loan and if you want to get your loan under the best situation you should try our Free 90 day credit sprint.

Those with bad credit

If you have bad credit, don't worry, Auto Credit Express works with a nationwide set of lenders who will be matched with you based on your credit profile.

You can rest assured that they work with lenders who can get you covered with as little as a 500 credit score.

Now, if you are someone that has a 500 credit score you might want to do our 90 day credit sprint challenge or read over our 4 week credit boost guide before applying for an auto loan.

People With Good Credit

While Auto Credit Express doesn't primarily focus on helping people with good credit, they are still a great option.

If you have good credit you will find that you can still get a great rate and find the dealer that will give you the best deal.

Taking Action On A Car Loan

Hopefully, you found this Auto Credit Express Review helpful because getting an auto loan can be complicated and a time-suck if done incorrectly.

Now that you know there are dealerships ready and willing to work with you there is no reason to go without a car. 

Getting a car loan is also part of establishing a different type of tradeline which overtime, will help increase your credit score.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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