Last Updated: 01/29/2026
SuperMoney User Recommendation Score +80
Strongly recommended10 total votes
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Highlights
Community Rating
Strongly recommended
Amount Range
$3,500 - $45,000
APR (Fixed APR)
4.88% - 15.85%(Verified 01/29/2026)
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Credit Score Range
400 - 680
Loan Term (Months)
Up to 72
Number of Reviews
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 are available in 50 states and Washington, DC.
Auto Credit express FAQ
How much can you borrow via Auto Credit express?
Auto Credit express loan amounts start at $3,500 and go up to $45,000.
What APR does Auto Credit express offer on its car loans?
Auto Credit express offers a fixed apr car loan product that ranges from 4.88% APR up to 15.85% APR.
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 auto loan term you can get with Auto Credit express?
Auto Credit express has car loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car 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.
An auto loan origination fee is what some lenders charge for processing an auto loan application and funding an auto 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.
Can I pay off early my Auto Credit express loan?
Yes, you can. Auto Credit express does not charge a prepayment fee, so you can save money by paying your car 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 680 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.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Auto Credit Express Auto Loan.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan via Auto Credit express?
Auto Credit express will typically fund the car 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 build your credit.
Does Auto Credit Express perform a hard credit pull?
Yes, Auto Credit express performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Auto Credit Express a legit company?
Auto Credit Express was founded in 1999, it is a well-established company that has been in business for 27 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
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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.
