Auto Credit Express can provide loans even to those with a poor credit history.


Auto Credit Express brokers auto loans for new and used vehicles by working with a number of auto finance companies in the United States and Canada. This review takes a closer look at Auto Credit Express loan details, the company’s application process, and customer reviews to help you decide if this broker is worth working with.

If you’re looking for a low-interest auto loan, the only way to find the best rate is to compare options from multiple companies. You can start getting offers from different lenders by visiting



In this article:

About Auto Credit Express

About Auto Credit Express
Auto Credit Express is a Michigan-based auto loan broker that has been in business for over 20 years. As a broker, the company does not provide loans directly but rather matches customers with dealers or lenders based on the loans for which they are eligible.

Using a broker can be one way to find the lowest rates, but it may include a finders fee. Here are some other pros and cons of choosing Auto Credit Express:

Auto Credit Express
Auto Credit Express
A+ rating and accreditation from the Better Business Bureau (BBB) Mixed online customer reviews.
Offers financing for customers with bad or no credit  
Pairs customers with loans based on credit profile  
Offers special rates for military members  



Auto Credit Express Loan Details

Auto Credit Express provides loans for buying or leasing vehicles, as well as vehicle loan refinancing. As mentioned, the company is a broker, meaning that it does not offer its own contracts but instead pairs customers with auto dealers and lenders. 

Contract details such as interest rates will vary depending on the company that actually provides your loan. Typically, your interest rate depends on factors including:

  • The type of vehicle you’re financing
  • Your credit score and financial history
  • Your annual income
  • The payment terms you choose

If you have poor credit or have been turned down for a loan in the past, you’re not out of luck. Auto Credit Express offers financing for customers without solid financial backgrounds through what are called subprime loans. These loans typically have high interest rates, but they may be your only option depending on your situation.

To be approved for a subprime loan, it’s recommended that drivers:

  • Have worked for six months at a qualifying job
  • Earn $1,500 to $2,000 in monthly pre-tax income from a single source
  • Have three years of employment history

The company offers discounts and special rates for military members.




Application Process

To get started with an Auto Credit Express loan, potential customers can call or apply online. When filling out an application, customers will need to supply:

  • Utility bill with name and address on it
  • Phone bill
  • Contact information for six to eight personal references
  • Proof of income

The application process is relatively easy and only takes a few minutes to complete. You will find out whether you’re approved almost immediately after filing your application.



Auto Credit Express Reviews And Reputation

Auto Credit Express is accredited by the BBB and has an A+ rating. There have been very few customer complaints posted to the BBB website in the last three years, but the company’s customer review score is only a 2.0 out of 5.0 stars. 

Customers on the BBB complain that they received too many marketing communications from the company after providing their email address. Some customers with bad credit said that they were told they were approved for a loan from a dealership only to be denied when they showed up at the dealership in person.

Auto Credit Express has a much better customer score on Trustpilot: a rating of 4.7 out of 5.0 based on over 2,300 reviews. Happy customers were excited that they were able to get auto loans despite having bad credit. One customer wrote:

“Got a great car with bad credit. [I’m] very thankful for the referral to the dealership I bought from.”

- Lori Miller via Trustpilot

This review may say more about the dealership offering the loan that Auto Credit Express, though it does demonstrate that its service of matching drivers to companies that provide loans can be successful.



Our Take On Auto Credit Express: 4.0 Stars

Drivers with poor credit who are looking for an auto loan may want to consider Auto Credit Express. Many customers report being successfully matched with an auto loan despite having a bad credit history.

Here’s our take on Auto Credit Express:

Motor1 Rating 4.0
Loan Details 3.5
Loan Availability 4.5
Application Process 3.5
Customer Service 4.0

The Auto Credit Express application process is slightly more difficult that it can be with other auto loan providers, as those with poor credit are asked to submit personal references in addition to the information typically requested by lenders. However, this additional hurdle may be worth clearing in order to find better loan offers.

Because Auto Credit Express does not offer loans itself, the quality of the loans customers receive by using the service may vary greatly depending on the actual loan provider. To start getting offers from a number of different loan providers and comparing rates, visit