Auto Credit Express connects people with credit problems to car dealers and lenders so they can finance and buy a new or used car while re-establishing their credit.
We take pride in helping first time buyers, people with various credit issues such as delinquencies and repossessions, and people with bankruptcy discharges to get financed for new or late model cars. We help real people across the country every day. It’s one of the things that make us different, and makes us better!
People with Bad Credit
We help car buyers with poor credit scores connect to automobile dealerships that may give them a second chance and can get them approved fast for sub-prime auto financing, even with zero or $500 down. ACE works with auto finance companies and car lots in the US and Canada.
We may be able to help you get auto financing no matter what your credit profile is. We work with auto shoppers who have good, fair, terrible or no credit history, as well as with people who have no money down.
Filed for Bankruptcy?
Here at Auto Credit Express we may be able to find a lender or dealer that can get approved for vehicle financing even while you’re going through awful situations like bankruptcy and repossession. Obtaining an auto loan after bankruptcy discharge is one of the best ways to help you rebuild your credit score, and even if you have not completed the bankruptcy process you’re still eligible for an open bankruptcy auto loan. Get back on the road today in a car from one of our national car dealerships that accept bankruptcy clients and specialize in subprime lending.
Leasing & Buying Programs
We have people ask us all the time, “Is it better to sign a lease for a vehicle or try to get approved for a loan?” The answer isn’t so straight-forward because each person’s financial situation, credit history and vehicle requirements are different. These factors play a large role in deciding whether leasing a car or taking out an auto loan is the better choice. By evaluating our customer’s needs, we can more accurately decide what financing option is going to be the most beneficial for them.
Understanding the Facts of Auto Financing
The overall price of new and used vehicles has reached the point where most people need to apply for auto financing to make a purchase. However, many consumers do not feel comfortable about the car loan process that is presented to them. This is usually due to the wide variety of:
- Car Loan Companies
- Lending Options
- Credit Score Types
- Financial Requirements
These are all things that can intimidate a first time car buyer or even an experienced buyer, but they don’t have to. Auto Credit Express is fully capable of helping people experience a quality and worry-free vehicle loan process, and has done so for nearly two decades.
here Should You Start for a Car Loan?
People should know what to think about when applying for an auto loan, and at the top of the list of things to consider is where to go to apply. Every type of auto finance company is different, which has an effect on how they approach certain applicants:
Bank/Credit Union
A large number of customers turn to their own personal bank or credit union when financing a vehicle. These types of lenders are known for offering better rates, special benefits, and personalized loans for individuals who have accounts with them. The downside of car loans from banks is that they generally involve higher down payments for people who have poor credit scores.
Auto Dealership
Local dealerships are one of the primary places that car buyers turn to when they are in need of an automobile loan. This is largely due to convenience, connection to banks and loan companies, and special incentives/finance programs offered by manufacturers. Some dealers are also more open to offering car financing to people with credit problems and limited money down, but that depends on the lenders that they work with.
Online Referral Source
There are a number websites, like Auto Credit Express, that feature a car financing quote service to people across the country. By using this type of service, you’re able to experience a fast and easy car loan process that caters to consumers with subprime credit scores. These services take your loan request and connect you with local dealers that, in turn, connect you with the best special finance lenders.
Online Lenders
Many banks and loan companies will allow you to apply online. The downside is that these lenders mostly only work with applicants who have good to excellent credit scores.
BHPH Car Lot
A buy here, pay here car lot is typically viewed as a last resort car loan source for people with bad credit ratings. Often, consumers can get financing with no credit check, and the dealer offers a loan based on the value of the vehicle. However, these loan agreements come with high monthly payments, interest rates, and down payments. There is also a chance that BHPH dealers will not report to the credit bureaus if you make timely payments on a loan.
