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Auto Credit Express Auto Loan

in Auto Loans from Auto Credit Express

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Auto Credit Express Auto Loan

Claimed

in Auto Loans from Auto Credit Express

SuperMoney Net Recommendation Score +60%

SUPERMONEY NET RECOMMENDATION SCORE

+60%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Strongly recommended

4 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Credit Score Range 400 - 850
Loan Amount $3,500 - $45,000
APR  (Fixed APR) N/A
Loan Term (Months) Up to 72 months
Number of Reviews 5

Auto Credit Express Auto Loan Review

Auto Credit Express Auto Loan is offered by Auto Credit Express, a financial services company founded in 1999 and based in El Segundo, CA. Auto Credit Express Auto Loan is available in 50 states (and Washington, DC).

Auto Credit Express Auto Loan FAQ

How much can you borrow via Auto Credit Express Auto Loan?

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

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

Auto Credit Express Auto Loan 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 Loan?

Auto Credit Express Auto Loan 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 Auto Loan charge an origination fee?

No, Auto Credit Express Auto Loan 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 Auto Loan charge a late fee?

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

Does Auto Credit Express Auto Loan charge prepayment fees?

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

Can I pay off early my Auto Credit Express Auto Loan loan?

Yes, you can. Auto Credit Express Auto Loan does not charge a prepayment fee, so you can save money by paying your auto loan early.

What do you need to qualify for Auto Credit Express Auto Loan?

Applicants with a credit score of at least 400 and up to 850 may be eligible for Auto Credit Express Auto Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Auto Credit Express Auto Loan does not have or does not disclose a minimum annual income eligibility requirement. Auto Credit Express Auto Loan only considers borrowers who are employed. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Auto Credit Express Auto Loan. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Auto Credit Express Auto Loan. Permanent resident / green card holders are also eligible to apply.

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

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

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

Auto Credit Express Auto Loan 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 Auto Loan report your account activity to credit bureaus?

Auto Credit Express Auto Loan does not report to any of the major credit bureaus. Creditors are not required to report payment activity to credit bureaus. However, making regular on-time payments to a creditor that reports to one or more credit bureaus may help improve your credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

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

About Auto Credit Express Auto Loan

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.

Availability

  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

Application Fee $0
No Origination Fee  
No Prepayment Fee  
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 Cosigner
Maximum Vehicle Age 10
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Credit Score Range 400 - 850
Approval Speed 48 hours
Credit Bureau Reporting None
Funding Time Range 1 - 7 days
Joint Loans Available  
Payment Options
  • Automatic Payments
  • Check by mail
Loan Amount $3,500 - $45,000
Loan Term Up to 72 months

Auto Credit Express Auto Loan Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+60%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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