How Auto Credit Express Works to
Match You With the Right Lender

Step 1

Start the Process Online with our Quick Form

Since 1999, Auto Credit Express has been working with people all across the country who need auto financing. We've done this by designing an easy online auto loan request form that allows us to quickly match your needs with the guidelines of a local dealer or lender. After we match you with a local dealer, you can visit the dealership and shop the lot for your new car. Whether you have bad credit, no credit, or have gone through a bankruptcy, we can help you find car financing. It takes less than 3 minutes to fill out our secure online form and be well on your way to purchasing a new vehicle.

It only takes 3 Minutes
Prefer to start by phone? Please call
Step 2

Get Paired With a Lender That Can Finance You

We've built a nationwide network of new and used car dealers and lenders throughout the U.S. that makes finding the proper dealer quick and easy. This prevents you from having to visit several dealerships and run multiple credit report inquiries, which could damage your credit further.

Step 3

Visit the Dealership and Shop

Once a dealer in your area accepts your request, you will be contacted by a representative to set up a time for you to visit the dealership. Download our Pre-Dealer Checklist to ensure that you bring all of the necessary documents along with you to the lot. Once your financial information is verified, you can shop the lot and drive off in your new car – it’s that easy!

Simple to Use, Easy to Get Started Start rebuilding your credit today. Let Auto Credit Express help.
It only takes 3 Minutes
Prefer to start by phone? Please call

BBB Rating: A+ as of 04/21/2026 View Business Profile »

FAQ's

How is Auto Credit Express different from other services?
We narrow your search to eliminate options that don't fit your needs. Auto Credit Express has an A+ rating with the Better Business Bureau. We really do strive to help people who have fallen behind because we believe in doing the right thing and helping Americans rebuild their credit.
Does Auto Credit Express do a hard credit pull?
Auto Credit Express doesn't check your credit, but a dealer or lender may do a hard pull once you're matched to a dealership in order to discuss your loan options with you. Once the dealer accepts your loan request for processing, they will contact you.
How Can I Check My Auto Credit Express Request Form Status?
After you have submitted your auto loan request form, you will receive an email with instructions. You can also visit our website to check your status online or call our customer service center for more information.
Am I pre-approved through Auto Credit Express?
Since we are not a lender, you will not be pre-approved, though you will be pre-screened and pre-qualified to match with a dealership with the right financing resources for your needs.
Will my trade-in count as a down payment?
A trade-in most certainly can count toward your down payment if there is equity in your vehicle and it's lien-free.
Why Use Auto Credit Express?
• Quickens the loan-finding process   • Helps eliminate fruitless searching   • Matches you with a qualified dealer
What happens after I apply?
Once you apply, you will receive an email and be connected to a dealership for your auto loan and vehicle needs.
Is Auto Credit Express a Lender?
No. Auto Credit Express is not a lender.
Stories from Our Customers Join the thousands of happy car buyers who have been approved for an auto loan with the help of Auto Credit Express!

"With my damaged credit I thought my chances of getting a dependable car were nonexistent. I thank goodness that I saw your commercial."

Samia W.

"I must admit that I was skeptical at first about Auto Credit Express. Even if you think your situation is helpless (as I did), give them a shot. I am very pleased."

C. Permenter

"Great experience and I would recommend Auto Credit Express to anyone that needs a little help to purchase a vehicle!"

S. Kent
Trustpilot