Features

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).

What is the maximum loan term for a Auto Credit Express auto loan?

Auto Credit Express offers auto loans with terms of up to 72 months. Lenders that offer longer terms can offer larger loan amounts and lower monthly payments. However, remember that the longer the term of your 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. Some lenders charge origination fees for processing, underwriting, and funding a loan. These fees can 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 penalties?

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

What is Auto Credit Express’s eligibility criteria?

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

To qualify, applicants must 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) a loan application within 48 hours and fund auto loans within 1 and 7 days of approval

Does Auto Credit Express report loan payments to credit bureaus?

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

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.

  • Payment Options
    • Automatic Payments
    • Check by mail
  • Max Loan Term (Months)
    72
  • Credit Score Range
    400 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Co-signer
  • Maximum Vehicle Age
    10
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • 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
  • Institution Type
    Other
  • Approval Speed (Hours)
    48
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Credit Bureau Reporting
    None
  • Loan Amount
    $3500 - $45000
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