Auto Credit Express Blog

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Category Archives: Auto Loans

Fast Track to Your Next Car

Robert had never heard of Auto Credit Express when he stumbled upon our site late one night, searching for auto financing. He knew his credit wasn’t great, so walking into any dealership and picking out any car was not an option. And he didn’t have enough saved up to purchase a car from a private seller. It’s no wonder he was starting to lose faith in his chances of getting a car, that is, until that night. Continue reading

Posted in Auto Loans, Bad Credit, Used Cars |

Still Room for Subprime Auto Loan Growth

The latest forecast from TransUnion predicts more growth in the subprime car loan sector – good news for credit-challenged car buyers. At the same time, these borrowers need to be aware their credit situation, have a down payment, pick an affordable vehicle and choose the shortest loan term possible in order to give themselves the best chance of success. Continue reading

Posted in Auto Loans |

Simple Interest Explained

There are a number of advantages to simple interest loans, not the least of which is the ability to pay one off sooner and reduce the interest charges without any penalty. The downside, however, is that additional interest charges and penalties can add up quickly if payments aren’t made on time – especially during the first half of the loan. Continue reading

Posted in Auto Loans |

Home for the Holidays: How ACE made it Possible

Here is a real life account of how a young woman named Emily experienced a holiday dilemma, but with a little help from the folks at Auto Credit Express, was able to turn things around to give her story a happy ending. Continue reading

Posted in Auto Loans |

What is the Loan Amount if I Have Bad Credit?

The question “How much will I get approved for?”, especially for credit-challenged car buyers, can only be answered after a lender has taken a close look at their income, debts, credit score and other aspects of their credit profile. Continue reading

Posted in Auto Loans |

What Does “Pre-Approved” Really Mean?

For the novice car buyer, purchasing a vehicle can be an intimidating process to undertake. What kind of car should you consider? Where should you look? What can you afford? If you get pre-approval for financing, this means that your loan is taken care of before you select a vehicle to purchase. Continue reading

Posted in Auto Loans |

Car Loans Hit Record Highs

With monthly payments and loan terms increasing, buyers with poor credit who understand their credit reports, know their credit scores and have at least ten to fifteen percent cash down and/or trade equity will have a better chance of getting their application for an auto loan approved. Continue reading

Posted in Auto Loans |

Auto Loan Delinquency Rates Continue to Rise

Although the subprime auto loan market continues to thrive, borrowers with large down payments and lower loan to value ratios will continue to have a better chance of getting financed. Continue reading

Posted in Auto Loans |

What is a Conditional Sales Contract?

Credit challenged consumers should check their sales contract carefully before signing on the dotted line especially for Conditional Sales Contracts. Continue reading

Posted in Auto Loans |

Weekly Car Payment Options for Poor Credit Buyers

While Auto Credit Express is not a lender, a number of dealers in our network do offer weekly payment options. Looking at both the indirect monthly subprime loan payment schedule as well as the buy here pay here weekly loan payment schedule, whichever one a consumer chooses will generally depend upon their current credit situation. Continue reading

Posted in Auto Loans |
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