America's Largest Dealer Financing Network*

At Auto Credit Express we have the largest selection of bad credit car dealers across the country. These dealerships specialize in helping people in poor credit situations purchase new and used cars. If you're looking for a dealership that helps people get into a bad credit car loan, then you're at the right place. Take a quick moment and get connected to one of our dealers today!

americas largest dealer financing network
1.7million people have bought a car with our help

Bad Credit Car Dealers That Can Help

Because we are the experts in auto financing for people in unfortunate credit situations, we estimate that over 1.7 million people were able to purchase a new or used car by utilizing our service. This is a number that we are very proud of. We are able to do this because we understand that people are more than a credit score . We have a commitment to help people and have developed relationships with lenders that are aligned with us in doing so. But don't take our word for it, see what others have to say about Auto Credit Express.

Get pre-qualified online in about 3 minutes with little or no money down Pre-Qualify Online

Get pre-qualified online in about 3 minutes with little or no money down.

Click to Drive
Apply Online in just 3 minutes: Apply Now

While many people are familiar with what bad credit means these days, not everyone knows what bad credit car dealers are or how they operate. Today we explain.

The question of what a bad credit auto dealership or car lot actually is, isn't too difficult to explain really. Since most banks, credit unions, and other major direct lenders only tend to deal with customers with 'prime credit', that leaves a significant amount of people who need a car, but have a poor credit rating out in the cold.

To cover this gap in lending, many dealerships these days are offering financing on a vehicle through in house or third party options. However, since risk of financing to people with bad credit tends to be higher, these dealers tend to charge higher rates to offset the risk. The advantage is that people who might normally not be able to get into a car are able to finance one, at the trade off of higher cost.

Featured Auto Credit Express Coverage Areas

How Bad Credit Car Dealers Work

The process by which these dealers operate, however, can vary. Some dealerships, new to working with bad credit customers due to the slumped economy, might not be very flexible or even understanding when it comes to dealing with a customer with a complicated credit situation. Especially if that situation includes high risk like bankruptcy or repossession. You might find yourself out of luck or spending too much time rebuilding your credit before you can get the financing you need.

Other dealerships have been in the bad credit car dealer business for a while. Many of these are among the over one thousand dealerships that Auto Credit Express partners and deals with. However, because they all tend to be independently operated, with specific programs and inventory targeted at specific buyers, finding the best one that will work with your situation can still require a bit of homework.

How We Can Help You

Here at Auto Credit Express, we've been helping people understand and get through the bad credit car buying process for over twenty years. Using our nationwide network of partnered dealerships throughout the United States and Canada, we can help you work through your credit quirks, and help set you up with a dealer that is ready and able to deal with you immediately, without fear of being bounced around or shown the door.

And because we work with the major credit bureaus to report your good payments, we can help you rebuild your credit, so that the next time you buy a car you can take advantage of better rates or better options.

So if you're serious about getting your car credit back on track, you can begin now by filling out our online credit application.

people we've helped with bad credit 2,068

*The Number of people helped is based on third party data and should only be considered an estimate.

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.