Where does Auto Credit Express do business?

Auto Credit Express is based in El Segundo, CA. It was founded in 1999 and offers auto loans in 50 states (and Washington, DC). 

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?

Auto Credit Express requires borrowers to have a credit score of at least 400 to apply.

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.

How does Auto Credit Express describe itself?

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.

  • Max Loan Term (Months)
  • Institution Type
    Other Institution
  • Credit Score Range
    400 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Maximum Vehicle Age
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • No Origination Fee
  • No Prepayment Fee
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Check by mail
  • Credit Bureau Reporting
  • Loan Amount
    $3500 - $45000
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