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Auto Credit Express Online Loan Reviews

Company Name: Auto Credit Express
Email: [email protected]
Phone: 866-902-4403
Overall average rating of 4.5 out of 5, and the percentage of positive recommendations 79 %
I've been working with Auto Credit Express for a VERY long time and have always valued our relationship. They have been an excellent partnership that is not only valued by myself but our entire team. I highly recommend their entire team - incredibly smart, dedicated individuals that have a common goal.
Frank Gonzales was very helpful and pleasant to deal with. He went over every aspect of the buying process. He explained every thing he did. I would defentily buy again for him. I will also be sending him new customers.
Extremely friendly and helpful. Excellent customer service.
Didnt think I'd get approved let alone the rate i got. Smooth trouble free process. Found me a great car at an amazing price. Thank you!
Thank you for making my dream come true with owning a brand new car! I have never owned a new car before and it feels amazing so thank you for your help!!!
I was treated fair and they went by what i could put down and payment
Fast, friendly, and understanding
I was treated very well at the dealership..o would refer a freind or anyone..
My Experience with Lindsay Lane has been great. She has been helpful and resolves issues in a quick and professional manner.
Great service and customer friendly support, Miguel, Yadira, Christian and staff were all great.
I was immediately matched with a specific person at a nearby dealership. The process was simple, and Rob was able to find me a safe and reliable vehicle that fits my budget. I had been trying to buy a vehicle for 8 months. Auto Credit Express was my last hope. I was very happy with the experience.
We have been using ACE for sub-prime auto finance leads for quite some time now, and they have always been one of our better sources, in terms of close rates. In some markets, the volume can be quite challenging, but overall a consistent and quality lead source. Tom, our account manager, has always been great and quickly addresses any/all concerns we have.
First certified pre-owned vehicle My wife and I are very happy with our purchase,and east Syracuse Chevy went above and beyond. Thank you Mike
This is the first time we have been to a dealership to purchase a car, and expected we would be under pressure to buy something, but from the time we walked in everyone was friendly and polite . Preston, our salesman all the way our finance manager worked with us to find something and then purchase it. We got a 2017 Hyundai Santa Fe and are very happy with it and everyone there. We will return for our next car and encourage everyone to go to Ron Tonkin Hyundai !!!
Luck of chance....... I found this website by chance and I filled out the application and within a few hours I was contacted by a gentleman by the name of Art Lucia from Nissan in South Burlington Vermont and by the luck of chance he was able to help out and we were able to walk away with a brand new car.
Raul was clear in explaining everything to me on what I need to bring and informing me on other information I needed to know. Thus, far a good start with me dealing with this company.
In previous attempts to purchase a vehicle I was always denied because of poor credit. However, with Auto Express, I purchased a 2018 and given a second chance. Thanks Auto Express!!
The team was great
Tiffany was very professional and courteous. Although I have a very low credit score, she really gave me hope that there may be a way for someone like me to get back on the road. In the past I have made numerous errors in judgment and mismanaged my personal finances, but at my current age (65) I no longer make those mistakes. All I have left is my word. My sincere promise is that if given the chance to purchase any vehicle I will never be late or miss a payment. Your assistance in this matter is appreciated.
I love KOONS Automotive in Culpeper ,Va. They are the best
Great experience and will refer to others
I went in a told them what I needed and what price I was able to pay and at no time did they try to sell me anything else
very professional and customer service oriented.
Moss,was Wonderful talked on the phone .He had the Perfect cars by the door when I got there. He is very nice person to work with. His professionalism and mannerism had me ridding home in my new car within hours. Thank you sooo much. Very smooth transition
Sales rep was awesome!!! He really listen to what I wanted and need and was able to put in a car that suited my needs!! Everyone was super friendly and supportive!! I would definitely recommend this place to anyone looking to purchase a pre owned vehicle!!
The process stinks! I asked for pre-approval. Was contacted and told I was pre-approved. Asked what price ranges I could begin looking at. Was told They won’t know until I come in. Complete garbage. I gave you financial data, all you had to do was run the numbers. Anyone shopping for a car needs to know what price range they should be looking at. Severely disappointed and done with this nonsense.
Excellent service from staff, drove away with the car I wanted.
She was rude i was trying to ask questions and get information she kept cutting me off
Excellent - Caterry was very helpful and made the experience so easy. I would recommend Tameron Honda to anyone.
Nice experience, hopefully I'll be able to qualify for a loan.
I called them they hook me up with huffines and now I have a new car, thanks
I already have my credit scores in hand, so why should I pay to get them again? Credit scores are free anyway at It's a scam.
Unlike other dealers, cost of vehicle isn’t revealed until late in the process. Shame on mr for not being more diligent in this aspect. I was at the dealer for 7 hours and after finishing with the financing, my car was still being detailed. I had to walk over to the detail shop and get my car asking the guy who was cleaning the windows to stop. It was clean enough for my satisfaction. I definitely would recommend this dealership to anyone.
They went far out of there way to make sure I got a nice car and not an over rated price.on the car or monthly.
It was very easy and quick loved it
Turquoise is fantastic. So helpful. Easy process. Highly recommend
It was a great experience. Fast and friendly service. It only took a couple of hours to get a deal done. Houston Central Nissan main goal is to make sure that you leave there in a New or Pre-Owned Car. I would recommend them to anyone that is interested in buying a Car.
They where the best I have ever worked with.. In all the years I have been purchasing cars ... I highly recommend them to anyone
I highly recommend Sam Garcia , he did everything he could to help me get into the vehicle I wanted . I didn’t think I was going to qualify for a vehicle due to my low credit score & repossesion on my credit but I gave it a shot & drove off with a BMW. Great costumer service , highly recommended.
Auto credit express. Is very much the perfect ppl to deal with the hospitality is out the roof very well respected in my book I will recommend this to all my friends and family and whoever need the help they looking for like myself
Did everything to help me get into this car. They turned over every stone to help me.
I enjoyed it and the representative was helpful.
James and Kris made my vehicle purchase very easy and smooth. I was in and out in under 3.5 hours. Thank you very much for the great service.
Our salesman provided great service. We told him what we were looking for and the price we were willing to pay, and he produced results. I would have given this review 5 tars if we didn't have to wait almost 2 hours after being approved for the paperwork to be processed. Overall, I would definitely recommend this dealership to others. I am loving my 2015 Hyundai Tucson!!!
These folks did what they said they would do; and they did it very nicely and efficiently. I found the perfect car and bought it the next day (today). HOWEVER: They sold my email address to every scammer and spammer on the planet. Since I applied for a loan with them, (24 hours), I have received 30 junk emails offering all kinds of junk loans and scams. I received these to an email address where I have never gotten any spam before. These folks can help, but be wary. Make a throw-away account before dealing with them or you will be inundated with spam.
In a failed attempt to find out information BEFORE applying for a used car loan, I called the number, and they said they don't finance. REALLY?? Because the information above the number clearly states call us if you prefer to "apply over the phone". Before I send my SSN out into the Universe, I need to know what dealers they will work with (will you work with a non-franchised dealer?), and what is the required vehicle criteria so as not to lower my credit score in the process. Their site and their customer service is a waste of time. It would be SUPER if they would let people know IN ADVANCE acceptable dealers, age of vehicle and mileage prior to asking for my personal information. BOO!
Been turned down everywhere else but they helped me so much
Helpful and fast, Thanks
Assistance from the Gilman team was amazing
Very friendly and fast.. financing was already done.. just pick up car and go
Very great in providing the proper information of the whole process, very recommended.
These guys take care of their clients from beginning to end. I will definitely recommend this group of professionals.
Horrible experience!! Gave me a dealership over an hour away, I do not have a vehicle so this made it very hard. Once I talked with the dealership she was very rude and not helpful at all!!
Very satisfied with all the services provided. Staff was great All around in the process where I wasn’t sure if I was gonna be approved, and yet they went out of their way to help me get the best deal possible.
Over all it what a good day we I get the car
nick is a prince of a guy to work with. never had any problem that he didn't help asap
I ended up with payments a little higher than I would have liked, but I still was able to get the vehicle I wanted to start rebuilding my credit.
Where do I began? I have been trying to upgrade my 2007 Dodge Charger (purchased in 2010) for the past couple of years by trading it in for a newer one, only to be told to put $1000 down because of my low credit score; which then was around (680-660). I must have visited at least 3 dealers over that 2yr period only to be told the same thing over and over again AFTER waiting through a 4hr process and these were the same dealers that I received flyers from saying that I was "PRE-APPROVED" for a vehicle! So much for being pre-approved, huh?! Okay, on July 29th after carefully reading EACH and EVERY review I apprehensively filled out an online credit loan application with (A.C.E.) Auto Credit Express. A voicemail was left for me on July 30th to contact a representative at Honda of Fishers dealership. On July 31st I met with the sales consultant, Leroy Heins at 1:45pm and by 4:40pm I was driving away in a 2013 Dodge Charger with chrome wheels and a stereo system out of this world!!! That's the UNBELIEVABLE and INCREDIBLE part! Now, let's talk about the EXCEPTIONAL, TRUE TO THEIR WORD customer service. Leroy and his finance manager, Kevin Bakeman worked diligently and thoroughly at getting me what I wanted in terms of me only using a trade-in with NO down payment. Leroy said he was going to get me what I asked for and Kevin did NOT take no for an answer when it came to my needs. Kevin did not stop until he found a lender that was willing to work with me. I was test driving my car in about an hour or so and Leroy is the type of salesman that will NOT have you looking at and test driving cars unless he's ABSOLUTELY sure you will be able to drive away that day. He was a pleasant, professional person to work with, loved his job and he had much respect for his finance manager, Kevin. My car payments are higher by $150 more than my previous payments, but I'm not surprised given my credit history, so don't let this be a surprise for you. So, you see I was in and out in under 3hrs and drove away in a NEWER, gorgeous car with a credit rate LOWER (580) than it's EVER been, that's EXCEPTIONAL! And (A.C.E.) Auto Credit Express were TRUE TO THEIR WORD! Thank all of you from A.C.E. to Honda of Fishers to Capital One Financing for making this experience an unforgettable one! To Leroy Heins and Kevin Bakeman, you went ABOVE AND BEYOND! Yes, I went in skeptical yet, hopeful at the same time and I ended up driving away within hours in the car of MY choice, no settling for anything undesirable! If I can, ANYONE can! Don't believe me---just see for yourself! From the time you leave the dealership until you get home you'll be saying the same thing, "I can't BELIEVE I have a NEWER car!" Try it! Ps. Yes, I'm a Dodge Charger lover! :-))
It was a pleasure working with Jerry and Will classic Kia of Carrollton has an amazing team made me feel very welcomed and they did their best to accommodate what I was looking for I'm very pleased with my purchase thanks again for your help!
Seems like all Auto Credit Express did was refer me to a local dealer. But I got a decent deal.
Sometimes life throws a curve ball and choices have to be made. In making those choices you may have to sacrifice something that you really don't want to. My husband and I chose to help others in need at one time or another and sacrificed our once great credit rating. With that being said, I would like to say that everyone involved with the purchase of a new car (new to us) was extremely helpful and respectful of our circumstances. At no time did we feel lesser than someone with a great credit score. Your company was able to work with us and found us a very nice 1 owner car within our budget. I would recommend your services to anyone in need of a vehicle. Again thanks for your help! Barbara and Charles Harter
After failing to get a loan, over and over, I signed up here. Within a couple of days iwas happily driving my new truck
The gentleman i spoke to was very informative and answered my questions. He was very understanding of my situation.
Great experience ! Easy to use ! I had a car the next day !!!!
Very professional, very patient and understanding easy to communicate with and work hard at getting you approve the best dealership I ever deal with. And the service that they give you is genuine. Excellent service excellent service
Auto Credit Express is a great company to work with. They operate with the utmost integrity and really pay attention to all of the minor details. They truly care about optimizing everything they can on their end. I would highly recommend doing business with this 5 star company!
We appreciated the help and suggestions shared with us, which pointed us to a helpful dealer. You gave us options that worked! Everyone at Excel was fantastic! All in all this total experience has been wonderful! Thank you!!!!!!!
The process was painless and love the car! Amazing!
It was an easy, honest and great experience. Took me a day to get a vehicle. I would recommend using this company to anyone I know.
When I got your call, I was very skeptical about being able to purchase a car with the poor credit that I have. I was assured by you to give it a try and I did. All I was thinking on the way there was what if this happened and I have a second chance to fix my credit, that would be great. John was very reasonable and so was his team. When he showed me the truck, I thought there's no way that I can leave in it. Then he came out with the keys and gave them to me along with a firm handshake and said congratulations. I really thank you guys for giving a chance. And thanks for my 2015 JEEP PATRIOT!!!
Excellent experience from start to finish! Representatives assisted me every step from the application process, to setting an appointment with a salesman at a local dealership, every question I had along the way was answered. Auto Credit Express informed me of all necessary documents to bring with me to insure I was prepared. I was treated with dignity and respect. My salesman Ken and his manager Mike were super helpful. Proud to say WE LOVE OUR NEW CAR!!!! Thanks Auto Credit Express!
Application process was easy, Very little option of cars to choose. Car dealership down payment kept increasing.
Every experience that I have had at a Dealership has not been pleasant. At Cleo Bay Honda, I was treated nothing less than exceptional. I was contacted by Johnny Walker and I explained to him that the transmission on my car had just went out and didn't have a way to the dealership. Mr. Walker sent a vehicle to pick me up within the hour. From that moment, I knew I was at the right place. To make a long story short, I was assisted with purchasing a vehicle that fit my budget and driving needs. Thank you Johnny Walker and Miguel Solis for making my buying experience enjoyable at Cleo Bay Honda.
She was very helpful Tonya was the best
I used this service to purchase a vehicle. I have credit problems and had been turned down before. I spoke to a representative and they advised me where to go and what to take with me, I did that and I drove away with a 2012 Honda Accord that I love. Thank you so much for the assistance I would definitely recommend this company to everyone.
They not only worked with my past credit issues, but waited for me to find the right dealership to work with. They followed thru with me and made the process painless. Thank you Auto Credit Express I would recommend your services to anyone.
When you think you don't have very good credit they will very politely work diligently to find someone that will help you for that I was thankful it's a no-lose situation give them a try and I'm sure they will be able to help with something thank you
It was an excellent experience and love how it will help us rebuild our credit.
Got it done. Thanks.
This was the easiest, smoothest car purchase/financing experience I have ever had. My credit was severely damaged after a divorce and I had been turned down by numerous local lenders. With each rejection I experienced a great deal of rudeness and judgmental treatment due to my low credit score. I had all but given up on being able to purchase and finance a good vehicle. Auto Credit Express connected me with a dealer who had the vehicle I wanted and I was able to obtain reasonable financing with no co-signer and payments I can afford.
So many positive reviews about refinancing cars, however, none of them mention the Interest Rates ? Can anyone offer some numbers ? My situation: I currently have a 12,500.00 balance on my car loan and have been paying 325.00 per month for the last 2 years, at 14.99% Interest Rate, originally a 5 year term. I have 3 1/2 years left on my loan before its paid off, at this rate it seems I am paying more in Interest than on the actual car loan. THEREFORE, If I refinance my car with a lower Interest Rate and lower monthly payments, I would feel and see that there is light at the end of the tunnel after all...and the car can be mine sooner better than later. **What are my chances of refinancing at 8 % - 10 % Interest ? I have been paying on-time every month and have a Credit Score in the 500's. My car is my priority because it is my livelihood, which gets me to and from work everyday.....
I was very pleased with the customer service they treated me very good.
Impossible to actually get financed. It's just a scam. No financing. Just want u to sign up for credit monitoring. Dont bother. I should be fair and say this was my experience. I have tried to apply for financing for over 2 weeks and all I have gotten was a pushy sales lady with a credit monitoring company from the subscription that I was forced to give my credit card information too. I suggest to the owners that read the reviews that other than taking the time to reply to my review, a reputable company would choose to make sure my account was approved or denied like promised. This was just my honest review. I can't speak for others.
Love The Customer Service!
I appreciate the diligence to reach me and assist me with my request. I found the representative Frank very helpful and thorough with information.
I spoke to Violet, and she was very helpful and sincere. I hope this is my ticket to a new vehicle. Thanks! 5 Star Service..
I swear I never really do reviews especially for something like this but I did research and came upon good reviews for this site. They matched me with a dealership instantly and I just so happened to purchase with them 2 days later rather than shop around. I have a barely used 2017 Cruze with rebuilding credit and I’m so happy. THANK YOU!!
They have u waiting only to tell you no lender or dealer would accept you check back at a later moment such a let down
Jasmine was wonderful our sales person. There was some challenges with the team that get prices from banks. I feel that to be haggle is not good service especially when you go in and let them know where you are able to go as far as payments. If they are not able to get that for the customer then tell them and let them go. They will tell more people about that and customer will come because of the honesty. Overall they worked hard to get me a car with my credit issues.
They did all they could do and above to get me the Jeep of my dreams. I will recommend them to anyone. Paul Patterson was great and really worked with us!!!
Other car lots didn’t even want to deal with me and I was sceptical about trying anything online but this process was so easy I couldn’t believe it filled out the application they found me a dealer I scheduled an appointment for sat. and within about an hr at the dealer I was driving off in a newer car then I ever even expected!
Harold has not only helped me create my subprime business after moving states but also made adjustments quick and easy. In a world truly about relationships this is one I have ALWAYS been glad I have had.
Dave Dunn is the salesman to get the job done. He is patient and able to help in many situations.
Misrepresented what they were about. The rep Rafeal Gomez over the phone kept speed talking and mumbling. trying to rush the process and not answering my questions.
I Enjoy this experience of purchasing a new vehicle. And I was completely satisfied With the customer service and will definitely refer family and friends to Lafontaine Subaru. Thank you!
I was a little nervous calling at first but Michael was polite and helped me to relax I recommend anybody with a limited finances to use these services
was very detailed on what i needed to do in order to to have a smooth process
Received an response right away!
This was my first time going this route for purchasing a car, so I didn't quite know what to expect. I submitted an application to Auto Credit Express earlier this year and was contacted by a dealership in the same city where I live. In the event that this website blocks out names of dealerships included in comments, the dealership that contacted me shares the same name as the U.S. president who served between 1861-1865. I'm making a point of including the dealership because I didn't see any reviews or information on Auto Credit Express' website where they included names of dealerships. After being contacted by this dealership, I called Auto Credit to tell them I wasn't interested in purchasing a car from the dealer that contacted me. The agent told me that the dealership sells other types of cars by other manufacturers, but didn't specify the makes or models. The agent also didn't speak with much confidence. I don't know if she was new or if she was deliberately withholding information, but her answers just didn't make sense to me. Unfortunately, I had to have surgery shortly thereafter, so I called the dealership and told them that I would contact them in the summer. After recovering from surgery, I contacted Auto Credit Express again last week, and explained why I didn't go to the first dealership. I was told by the agent that I had to resubmit another application, which I did. That very same day I was contacted by a dealership that is in a different city from where I live and about a 25-minute drive. This dealership manufacturers American cars, and while I've never purchased any cars sold by this dealership, I was willing to check them out. Before visiting the dealership, I went online to check out customer reviews for the dealership and their reviews were AWFUL! This dealership had pages and pages of negative reviews as recent as this week! I called Auto Credit Express again and asked if they could set me up with another dealership and I told them the reason why. Auto Credit Express really needs to look into retraining their customer service agents. The young lady who I spoke to today reminded me of the agent who I spoke with several months ago, except today's agent had an attitude. It was like pulling teeth to get information! After explaining the purpose of my call, the agent's first response was that they couldn't set me up with another dealership, which I knew was not correct because I had already submitted two applications. Then the agent asked for my name so she could look me up in the system. After locating my records, she told me that I would have to submit another application to be set up with another dealer, and I said, "Yes, that's what I said I wanted to do". Then she proceeded to say that they could only set me up with one dealer. When I explained to her that I had already submitted two applications with Auto Credit Express, it was only then that she said that I would have to wait 30 days before submitting another application. It would've been helpful if she had said that at the beginning. Telling me that I couldn't submit another application is very different from saying "You have to wait 30 days before you can submit another application" - the two sentences have two different meanings. Then I told her that it was my intentions to go to the original dealer that had contacted me--I just had to wait until I had recovered from surgery. When I had submitted my application the second time, I was not told that I was going to be contacted by a different dealer. The agent I spoke with today said, "Well you can go through whatever dealer you want, but if you want to go through our service, you have to submit another application". That response was so off-putting, sarcastic, and a display of horrible customer service. Why would a customer contact this type of company if they had the option not to? It's obvious that I'm in a situation where I need this the service provided by Auto Credit Express, and to use a condescending tone and response such as "you can go to whatever dealer I want" was a slap in the face. Finally, this agent told me that Auto Credit Express does not send customers to the same dealer twice. Wow. I had to be subjected to an excruciating experience just to get that piece of information. I hope others who are considering contacting Auto Credit Express service will benefit from learning from my experience. And my message to Auto Credit Express is that some of your agents are rough around the edges and could use some additional training and coaching in communication skills. Customer service is not rocket science--you just need to put yourself in the customer's shoes and treat them the way in which you would like to be treated, so that they don't go online and write the type of reviews that I'm writing.
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