Get the Car You Want: Financing Options for All Credit Types
Auto Credit Express is a leading provider of lender and dealer connections for people who need new and used car loans in the United States. 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 through a special finance lender.
Why Do People Choose Us?
Because We Know Credit Shouldn't Hold You Back
Simply connecting people with 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 don't have the best track record or have gone through bankruptcy.
People with Bad Credit
We help car buyers with poor credit scores connect to automobile dealerships that may give them a second chance and can get them approved fast for subprime auto financing, even with zero or $500 down. ACE works with auto finance companies and car lots in the U.S.
We may be able to help you get auto financing, no matter what your credit profile is. We work with auto shoppers who have good, fair, bad, or no credit history, as well as with people who have no money down.
Filed for Bankruptcy?
Here at Auto Credit Express, we may be able to find a lender or dealer that can get you approved for vehicle financing even while you're going through awful situations like bankruptcy or repossession. Getting 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 may still be 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.
Leasing & Buying Programs
We have people ask us all the time, "Is it better to lease a vehicle or try to get a car loan?" The answer isn't very straightforward because everyone has their own financial situation, credit history, and vehicle requirements. These factors play a large role in deciding whether leasing a car or taking out an auto loan is the better choice. By evaluating our customers' needs, we can more accurately decide what financing option is going to be the most beneficial for them.
The Largest Network of
Bad Credit Car Dealers Across the Country
Who We Help & Loan Types We Support
Rent-to-own car financing: Some independent dealerships in our network handle rent-to-own financing, but your results will vary based on the type of dealer you're connected with.
Tote-the-note dealerships:Tote-the-note independent car lots are a large part of our network, well-versed in working with people in unique credit situations.
Second-chance auto loans: If you've been turned down in the past, you may need to work with a subprime lender for a second-chance car loan, and our network is the place to start.
Low-income and fixed-income car loans: The dealers in our network are used to dealing with consumers on a budget, including low-income borrowers. Zero-down financing options: Many of the dealers in our network offer multiple financing options, including zero-down options if your situation allows it.
$500 down & 500 credit programs: We understand that people with very low credit scores, around a 500 credit score, may also need low down payment auto loans, and the dealerships in our network agree.
Special financing: The heart of our dealership network across the country deals with special financing, offering car loans through subprime lenders who specialize in helping people with bad credit, no credit, or bankruptcy.
Military auto loans: Getting a car loan as an active duty military or veteran can be even harder if you have poor credit, but we work with dealerships that specialize in military auto loans.
Helpful Car Buying Tips When You Have Bad Credit
The most helpful car-buying tips include being prepared before visiting a dealership and supplying a down payment, no matter how small.
When you're looking for a car loan in a bad credit situation, you need to be aware that the process is different from shopping when you have stellar credit. Those with bad credit can't just walk into a dealership and choose a vehicle to finance; instead, they must qualify for financing first, through a subprime lender.
Before you visit the dealership, make sure that you gather all your appropriate documents. You'll need documents that support your ability to take on a car loan, such as:
A Valid Driver's LicenseProof of ResidenceProof of a Working PhoneReferencesIt's also a good idea to rate shop if you can, by applying for a few loans within the same time frame. Doing this at the same time signals the credit bureaus that you're seeking a loan, and the impact on your credit score will be less than if you spread out your search over time.
Start Today. Drive Today.
Our online loan request form is easy, quick and it's free.
FAQ's
A few things our customers want to know
What information do I need to start my Auto Credit Express request?
To start your auto loan request form with Auto Credit Express, you will fill in a form with your basic personal information and answer a few questions regarding your situation, income, and employment. Keep in mind that you will also need additional information and documentation when you arrive at a dealership to get a loan. These include a valid driver's license, proof of income, proof of insurance, and personal references.
How quickly can I get matched to a dealership?
It typically takes one to three days to be connected with a dealership that can handle your loan request, based on your situation. Once you're matched with a dealer, they may contact you to set up an appointment, or you can reach out to them to see what they have available that meets your needs. We will continue to keep your connection request on file for 30 days, after which time you're free to file another request.
Does my income level affect my chances of getting approved for a car loan?
Though Auto Credit Express works with consumers of all credit types, your approval is based on the dealership you're matched with and the loans they're able to furnish. That said, your income level may impact the amount of loan you're able to secure, though the lenders in our network are prepared to work with people who have bad credit, low income, and even no credit history at all.
Can I use Auto Credit Express if I have no credit?
Yes. Auto Credit Express doesn't discriminate based on credit, and our network of dealerships specializes in helping consumers in unique credit situations, such as no credit, first-time car buyers, and those with poor credit scores.
What types of vehicles can you qualify for through our partners?
You can qualify for both new and used vehicles, depending on the dealership and lenders you're connected with. Some of our dealers are franchised dealerships with one or more brands, while others are independent dealers, or buy here pay here car lots. We will attempt to connect you to a dealership that's available in your area, regardless of dealer type.
What’s New in Car Buying and Auto Financing
-
How Interest Rates Work on Car Loans
March 10, 2026 Interest rates are the price of taking out a loan. They vary from person to person and are mainly determined by your credit score and the terms of the loan you take on. Since a cre...
-
Can You Lease a Car With Bad Credit?
March 10, 2026 You can be denied a car lease if your score is too low. A high credit score is typically required to qualify for a leased car. While leasing a car with bad credit isn’t like an a...
-
What Happens When You Go Over Your Mileage On a Lease Car?
March 05, 2026 Going over your miles on an auto lease could lead to paying more when you return the vehicle. Sometimes a lot more. Leasing means that you only pay for the portion of the vehicle y...
-
What Is a Credit Score? Why It Matters for Auto Loans
February 24, 2026 A credit score is a cumulative number that quantifies the information in your credit reports into a single three-digit number, typically ranging from 300 to 850. It tells lenders, ...