Auto Credit Express Review

Auto Credit Express is one of the largest automotive special finance providers in the United States. It works with over a thousand lender and dealership partners to serve people with bad credit. Auto Credit Express or ACE has A+ BBB rating and is among the top 5 auto lenders in the country according to If you need a new car and you’ve got faulty credit, this auto loan provider should be on your shopping list.

ACE’s website is designed to not just help but also educate their potential bad-credit borrowers with several pieces of useful information about bad credit auto loans and some auto loan calculators.

But you won’t find any link directing you to the FAQ page. You would have to go to the Resources page, which link is located at the bottom-most part of the website, to get to the Bad Credit Auto Loan FAQ page. Moreover, you also have to navigate your way down the website to find the link for the Blog which contains informative articles like tips and quick guides.

Since 1999, Auto Credit Express has been providing bad credit auto financing solutions to people who need them. Their services have just gotten better over the years.

Obviously, ACE offers special auto financing for both new-car and used-car purchases. There are also auto loans for members of the military service. We agree with other reviewers that ACE offers really competitive rates. However, they don’t offer refinancing and leases.

We also found some missing tools that may not be essential but could be really helpful for a searching auto borrower. ACE could be better with a vehicle search function and a trade-in calculator to help potential borrowers make informed decisions. It would also be more convenient for them if they can create their own account in ACE’s website through which they can make payments or monitor their loan status.

Aside from loan services, ACE also serves their dealership and lender partners by helping them capture leads and market their businesses. They also give trainings to the staffs and managers of their partners.

In addition, an affiliate program is available where you can earn extra money by partnering with Auto Credit Express.

Application Process
The prequalification process takes only less than a minute. After submitting your application, ACE will show you your confirmation number and the loan amount you are approved for. Approval time is at least 2 days.

There is no application fee and prepayment penalty. The prepayment penalty is what some lenders charge the borrower for paying off the loan ahead of the schedule.

Minimum loan amount, maximum loan amount, gross monthly income and the maximum mileage for used cars are all subject to approval. The loan officers at ACE will look into several factors, like the down payment you are willing to make, credit history, the type of vehicle you will buy and trade-in options, before deciding on the terms of the loan. It’s a case-to-case basis.

Where They At
Auto Credit Express is at 3271 Five Points Drive, Suite 200, Auburn Hills, MI 48326.


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Auto Approval Center is a lead provider to lenders around the US. Average APR rates range from 3.2% to 24% depending on credit. Some dealers/lenders may have implications for non-payment or late payments, please see your specific terms for more information. By applying with Auto Approval Center, you agree to have your credit pulled for lending purposes and this could have an impact to your credit score. Thank You for your business!

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