SuperMoney 

Auto Credit Express Auto Loan

in Auto Loans from Auto Credit Express

Claimed Visit Site Get Personalized Rates

Auto Credit Express Auto Loan

Claimed

in Auto Loans from Auto Credit Express

SuperMoney Net Recommendation Score +100% 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

3 users recommend
0 users are unsure
0 users don't recommend
Cast your vote
Cast your vote

Would you recommend Auto Credit Express Auto Loan to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating Strongly recommended
Loan Amount $3,500 - $45,000
APR  (Fixed APR) N/A
Credit Score Range 400 - 850
Loan Term Up to 72 months

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 offered in 50 states (and Washington, DC).

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 are 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.

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.

Only U.S. citizens and permanent residents can apply for a loan.

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 score.

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...

Contact

  • Headquarters
  •   909 North Sepulveda Blvd., 11th Floor
    El Segundo, CA 90245
  •   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 Auto Loan

Availability

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 Up to 72

Auto Credit Express Auto Loan Community Reviews

 
 

Would you recommend Auto Credit Express Auto Loan to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)