Auto Credit Express is a scam. a month ago What Auto Credit Express does is a bit misleading: They aren't lenders, merely, they match a person's profile to dealerships in their area and it's the dealerships who initiates hard inquiries (which in some cases can be as high as 8 dealerships). And the selection of cars are probably not even in line with what one is looking for. And so, all they're doing is just piling up inquiries which a couple might not affect your credit but several at once can drop it 10-20 points (possibly even more). You can simply cut the middle out and do this by yourself. If you're looking for a car with bad credit -- it's not impossible. You need a certain percentage of money down (and a co-signer in most instances). But it's important to have a high amount as a down payment and you'll increase your chances of a dealership wanting to work with you. Your interest rates might be higher but you can do what this company does with due-diligence and less of an impact to your credit score. read more

Auto Credit Express - Scam, don't use! - Auto Loan Providers Near Me - Auburn Hills, Michigan

You can't get an auto loan here. When you complete the "Auto Loan Request Form" you are not requesting an auto loan. This is simply a referral service. Their website messaging is very misleading. Also, they will likely email you back from CarsDirect.com. Very confusing. Finally, you will get a call from a local dealership. So be prepared for that. They share your information with dealers in your area. read more

Car buyers, let's narrow down what Auto Credit Express does with your credit information! (sells it) 1. If they told you it would "soft pull" your credit and you signed, Congratulations! You just agreed to let up to 5 dealerships pull your credit, therefore up to 5 hard pulls, and each dealership can have as many as 10 different lenders, so if all dealerships have 10 lenders, there's 50 hard pulls, all of which drop you credit score up to 20 points per pull. 2. You may be under the impression that you will/are approved for little to no money down, which is why you want to work with them, but in all actuality, all they do is tell you that, since the car dealership paid for these leads, and then the dealership won't approve you for $0 down, you're looking at maybe $800+ down. But now you're invested, so you want to entertain the idea of that, but it doesn't work on the vehicle you want, the vehicle you want requires $2000 down. Now you have at least one hard inquiry on your credit, wasted time for yourself, and the salesman, and you can't afford the car you want, so you have to settle for a car you hate, but ACE doesn't care, they've already made the money. 3. They are not giving you loans. They are SELLING YOUR PERSONAL INFORMATION to dealerships. The email you get saying you were approved through whatever dealership as long as you call them, is scripted email that is sent before the dealership even gets the lead, and now you're excited cause you were approved for $0 down, until the dealership tells you that the lender can't approve it. ACE then puts this off on the dealer to save their name, but in all actuality, they know what they're doing. They know that this doesn't work as advertised. For the people purchasing vehicles and looking to do it with an application through ACE, DO NOT DO IT! Your credit will suffer. You time will be wasted. They will tell you whatever they need to so that they can get money from the dealerships. If you're working with challenged credit, go directly to the dealerships that specialize in that. They are more willing to sell you a car. ACE just wants money from the car dealerships by lying to them and the people who are going to them for help. read more

Applied online and was contacted by one of the local dealers. I went to the dealer and they didn't even know what I was talking about when I mentioned auto credit express. Biggest waste of my time. I applied due to a recent bk and thought they would help but far from it. read more

First I would like to thank Susan Basset for her professionalism and prompt response concerning the loan. Auto Credit Express does exactly what they advertise assist individuals with credit defaults I have to admit there was doubts however my loan was approved. Thank you again Susan it was a pleasure. read more