I can understand your skepticism. In fact, if you read the entire article, you would also notice this line:

Once you’ve applied, you’ll be contacted by a finance professional from a dealership that belongs to our network of affiliated dealers. These folks specialize in bad credit car loans and will work with their lenders to get you the best car loan interest rates they possibly can.

Auto Credit Express is not a lender. What we offer is a secure way for you to apply for an auto loan through one of our affiliate dealers that specializes in a wide spectrum of vehicle lending.