Auto Credit Express Blog

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Recent Articles
What Should I Expect My Down Payment to Be? November 20th, 2014 by

Depending on your credit score, you could be required to put down a down payment. But do you know how much you should expect to put forward, or why? We look into the process of putting money down when you purchase a vehicle. Continue reading

Getting a Car Loan with an Expired Drivers License November 19th, 2014 by

Despite the fact that a lender can approve a car loan even if the applicant has an expired license, the loan cannot be funded and the title to the vehicle cannot be transferred without a valid insurance policy in the borrower’s name – something that will not happen if the borrower has an expired driver’s license. Continue reading

How Subprime Car Loans Work November 18th, 2014 by

Credit-challenged buyers usually can’t buy a vehicle from a private party because subprime lenders only loan indirectly through dealerships. Auto Credit Express is not a lender, so we can’t tell borrowers what their interest rate will be – only the dealer will know that. Continue reading

Does It Matter Where Your Income Comes from for a Car Loan? November 17th, 2014 by

Income requirements for an auto loan can feel like a black box. Lenders are happy to take your data and plug it in, but aren’t always clear what matters to be approved. Today we look at how you make your money matters. Continue reading

Comparing New Car Leasing to Lease to Own Financing November 16th, 2014 by

While new car leasing and lease to own car financing may sound very similar, there are major differences between them including potential vehicle ownership, credit checks, down payments, the types of vehicles involved as well as maintenance costs. Continue reading

Best New Cars for Problem Credit Buyers November 15th, 2014 by

When given the choice of financing a new car, we suggest that buyers with credit issues choose an affordable compact or subcompact – vehicles that are also fuel efficient and inexpensive to insure. Opting for the shortest loan term possible, once they’ve reestablished their credit these consumers will be in a much better position for their next loan. Continue reading

Credit Unions to Concentrate on Auto Loans November 14th, 2014 by

The latest credit union report from TransUnion has some good news and some bad news for consumers with less than perfect credit. The good news is that they plan on increasing the number of car loans they offer. The bad news is that they also plan on keeping their risk levels low. But despite the mixed results, we still believe even buyers with credit problems should first explore the possibility of a car loan with their credit union before checking out other lenders. Continue reading

Best Certified Used Car Programs From IntelliChoice November 13th, 2014 by

Credit-challenged consumers have to decide for themselves if the added price of a certified used car makes sense. The information contained in the IntelliChoice report, however, should serve as a guide for those borrowers considering a certified pre-owned vehicle. Continue reading

Rent to Own Cars with Poor Credit November 12th, 2014 by

Confused about what exactly rent to own car programs are? At their core, rent to own car programs are just another form of auto loan, although they are generally easier to qualify for since most dealers don’t run a credit check on renters. Continue reading

Should I Buy or Lease my Car While I’m in the Military? November 11th, 2014 by

Base assignments, deployment, your credit & available down payment, there are many factors to consider when it comes to leasing or buying a car in the military. What makes the right choice? Continue reading

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