Get Car Financing With Good or Bad Credit

Get Car Financing With Good or Bad Credit

Auto Credit Express is a leading service provider of new and used car loans in the USA and Canada. If you have bad credit, low credit, no credit or have been turned down in the past due to bankruptcy, we can help you get a car loan with our special financing programs. Apply in 3 Minutes Learn More McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Bad Credit Auto Loans

Auto Credit Express is the leading auto buying and sales service for people who need bad credit auto loans. Since 1999, we have processed over 1,000,000 online bad credit auto loans. Applying is fast, easy & free. Get approved for up to $45,000 and drive today.

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Active Dealerships


Our dealers can get you approved.


Applications Processed


We have helped all of these people today and we would like to help you too!


Applications Processed
in 2014


Over 1.7 million people have bought a car using our service according to 3rd party data.*

Why do people choose us?
Because we know how to help!

Simply getting people approved for automotive financing is not enough for us here at Auto Credit Express. We want to improve our customers' lives. We strive to do this by helping people repair damaged credit through realistic opportunities for auto loan approvals. We do this for everyone, even if they have not had the best track record in the past or have gone through a bankruptcy.

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It takes just three minutes! Drive today!

Military Financing

Auto Financing for people in the military

To see how we can help, visit our military auto loan explanation page to see how we can help active duty and retired military members get auto financing.

Customer Reviews

Jason Jones Jason Jones
reviewed a month ago
Quality Very Good

Amazed! It was as if I had a personal shopper helping me find my vehicle solution! Friendly company connecting others with friendly people. I recommend 100%!

For People with Bad Credit

We help car buyers with poor credit scores connect to automobile dealerships that will 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 the largest auto finance companies and reputable car lots in the US and Canada to ensure each person gets the best finance options.

We can 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 can help you 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.

We're a Special Financing Company

Poor credit scores can leave you looking for a special finance company, like us, to help you when you want to purchase a new or used car. The good news is that if you're reading this you do not need to look any further for a company that can get you approved auto financing. We specialize in helping people who traditional lenders do not want to lend to - and we can help you right now. If you have a reliable income you can be approved for a special finance car loan in a matter of minutes.

New or Used Car Financing and Leasing 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?" and unfortunately, there is no cookie-cutter answer. Depending on who we're talking to, our response is significantly different because each person's financial situation, credit history and vehicle requirements are different. These factors play a large role in deciding if leasing a car or taking out an auto loan is the better option. They also determine if getting a bad credit auto loan with no money down is an option, or if a down payment will be required.

This is why we take the time to connect with our customers and understand what type of credit they have, what their vehicle requirements are and where they stand financially. By having a better understanding of our customers we can more accurately decide what financing option is going to be the most beneficial for them.

At Auto Credit Express it doesn't matter if you're someone who is interested in getting a traditional auto loan or if you desire to lease a car from a local dealership, we will help you pick the best solution no matter what your credit scores look like. Take a moment and fill out our quick application, and after it is completed one of our bad credit car dealer financing experts will contact you.

Additional Auto Loan Information
  • Advantages of Leasing a Car in or Near Boston
    Boston is a large city with a lot of history and if you live there or nearby and truly want to make the best of it you have to own a vehicle, but why not try out car leasing options.
  • San Francisco CA In-House Financing
    Finding a car dealer in San Francisco is not difficult but finding an in-house financing dealer for those with bad credit will be harder to find without some help.
  • Rent to Own Financing in Los Angeles
    If you have bad credit and you need to get a new or used vehicle then you should check out rent to own car financing dealerships available throughout Los Angeles, CA.
Car Buying & Leasing Tips
More than Just Car Insurance?
July 27, 2014
Although the service area is currently very limited, we see the program offered by Metromile, which includes its "pay as you drive" billing model, to be of real value to drivers – even those with less than perfect credit.

Bad Credit Car Loans Increasing
July 26, 2014
The current lending climate for consumers with problem credit is the best it’s been since before the great recession. But while now is a good time to buy a car, buyers need to realize that using a large down payment and picking an affordable vehicle will maximize their chances of successfully reestablishing their credit.

Saving on Car Insurance with Poor Credit
July 25, 2014
Per-mile car insurance certainly has the potential to help low-mileage drivers – even those with low credit scores – as the additional costs associated with a driver's poor credit can be at least partially offset in a Metromile policy by those driving fewer than 10,000 miles per year.

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