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Last Updated: 01/29/2026

Auto Credit Express Auto Loan

from Auto Credit Express

Last Updated: 01/29/2026

Auto Credit Express Auto Loan logo
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Strongly recommended10 total votes
9 users recommend
1 users don't recommend
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See how much you qualify for and what your monthly payment will be.

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It's quick, easy, and won't hurt your credit score.

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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

10
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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 penalty 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. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
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.

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.

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.

Auto Credit Express Auto Loan logo

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.

Contact

Headquarters

909 North Sepulveda Blvd., 11th Floor
El Segundo, CA 90245
Visit Site
Email Support

Other Services by Auto Credit Express

SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +80, or 4.6 on a 5-point rating scale.

+80

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Auto Credit Express Auto Loan Community Reviews

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

AF

Analiza F.

May 11, 2023

May or may not recommend

First time I have to try to get some auto loan
Leonard W. avatar image

Leonard W.

Jan 19, 2023

May or may not recommend

I would recomm this shot cause all reports are good & I haven't had any problems...
TK

Thomas K.

Mar 9, 2021

May or may not recommend

great service - they were able to connect me with a local dealer that specialized in helping consumers with poor or bad credit, never thought I would get into a new car, but I did!
Justina G. avatar image

Justina G.

Feb 24, 2021

May or may not recommend

Auto credit express people understood my situation. They were there from the beginning supporting and assisting all they could until i was able to purchase my vehicle. Thanks much.
MP

Matt P.

Dec 5, 2020

May or may not recommend

Around a year ago my uncle was facing extremely hard times financially and needed an affordable car to travel to work as he did not own one at the time. Auto Credit Express Auto Loan Auto Loans assisted him immensely in purchasing a car in such a difficult span of time. He was able to get assistance on his car purchase with an affordable payback Auto Loan from Auto ...Show More
EO

Esther O.

Nov 16, 2020

May or may not recommend

Auto Credit Express is the best auto service I have used so far, my first feel of their service is a recommendable experience; I wasn't charged an origination fee on getting the loan, which is unlike other auto loan service, a friend recommended this to me when she got her first truck through them, and I embraced the idea of no origination fee, to meet the eligibility requirement I added ...Show More
RG

Rechelle G.

Sep 9, 2020

May or may not recommend

I have applied several times with a 500 & above credit score & they have never helped me. And never given me a reason why. Waste of time.
U

Anonymous

Aug 1, 2019

May or may not recommend

Great service! Easy to use! I don't have the best credit and they connected me with a dealer who worked with me.
U

Anonymous

Jul 30, 2019

May or may not recommend

Great people. They helped my mom get a car at Parkway Hyundai in Valencia, CA. She's very happy. Highly recommend!
U

Anonymous

Jul 18, 2019

May or may not recommend

I really thrilled & excited auto credit express helped me get a new car . My credit needs repair but they didn't refuse to help.

Showing 10 of 10 reviews

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