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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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

Charles' Crew Charles' Crew
reviewed 3 months ago
Quality Excellent

Excellent customer service. Great recommendations. Honestly thought this was a scam/spam email, followed up email with a phone call and spoke to an agent, they put me in touch with a dealership about ten miles from my house, purchased a 2014 ford with only 6 miles on it that day....
Read More »

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
Car Buying & Leasing Tips
Tech Savvy Cars for Problem Credit Buyers
August 30, 2014
Consumers should always be conscious of price when picking out a new car, especially if they'll be financing it with a subprime auto loan. But it's also good to know that even budget-conscious buyers now have the opportunity to finance a new car equipped with some of the latest technologies.

Auto Credit Express & Summit Place Kia Donate to Veterans Treatment Court
August 28, 2014
Summit Place Kia and Auto Credit Express Present Local Veterans Treatment Court with Charity Donation Check

Title Washing on the Increase
August 27, 2014
With the practice of title washing on the rise, consumers, especially those with credit issues, should be careful where they shop when buying a used car. In addition to requesting a Carfax or some other brand of vehicle history report, car shoppers should have any vehicle they serious about buying inspected by a certified master mechanic as well as a body and frame specialist.

Auto Credit Express and the ACE logo are registered trademarks. The contents of all material available on this web site are copyrighted unless otherwise indicated. Content may not be reproduced, downloaded, disseminated, or transferred, in any form or by any means, except with the prior written agreement of the ACE Group. 3271 Five Points Drive, Suite 200 - Auburn Hills, MI 48326.