Auto Credit Express

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Auto Credit Express


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Loan Amount $3,500 - $45,000
APR (Fixed APR) N/A
Credit Score Range 400 - 850
Loan Term (Months) Up to 72

Auto Credit Express Review

Auto Credit Express is an auto purchase finance offering by Auto Credit Express, based in El Segundo, CA. Founded in 1999, Auto Credit Express offers auto loans in 50 states (and Washington, DC).

How much can you borrow via Auto Credit Express?

Auto Credit Express auto loan amounts start at $3,500 and go up to $45,000.

What APR does Auto Credit Express offer on its auto loans?

Auto Credit Express offers a fixed APR auto loan product but they do not disclose their rates.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum loan term you can get with Auto Credit Express?

Auto Credit Express has auto loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does Auto Credit Express charge an origination fee?

No, Auto Credit Express does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Auto Credit Express charge a late fee?

Yes, Auto Credit Express charges borrowers with a late payment penatly fee

Does Auto Credit Express charge prepayment fees?

No, Auto Credit Express will not charge you a fee for paying your loan early. Whenever possible choose lenders like Auto Credit Express that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for a loan with Auto Credit Express?

Applicants with a credit score of at least 400 can apply for a loan via Auto Credit Express. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via Auto Credit Express?

Auto Credit Express will typically approve (or deny) an auto loan application within 48 hours and fund the loan within 7 business days of approval.

Does Auto Credit Express report loan payments to credit bureaus?

Auto Credit Express does not report to any of the credit bureaus. Lenders are not required to report to the credit bureaus. However, making regular payments to a lender that reports to one or more credit bureaus may help you improve your credit score.

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  • Headquarters
  •   909 North Sepulveda Blvd., 11th Floor
    El Segundo, CA 90245 USA
  •   Visit Site

Message from Auto Credit Express

We are the largest provider of subprime leads to dealers in the USA. We have helped millions of credit challenged consumers find the car and financing that meets their needs through our network of Dealers and online lenders.

About Auto Credit Express


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Application Fee $0
Minimum Age 18
Credit Score Range 400 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Maximum Vehicle Age 10
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Cosigner
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $3.5K - $45K
Loan Term (Months) Up to 72

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