Helping people re-establish their credit since 1999!
Auto Credit Express was founded in 1999. Today, we are the largest automotive special finance total solution firm offering people in North America that have bad credit a selection of over 1,200 dealerships and lending partners.

We take pride in helping first time buyers, people with various credit issues such as delinquencies and repossessions, and people with bankruptcy discharges to get financed for new or late model cars. We help real people across the country every day. It's one of the things that make us different, and makes us better!

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 have not had the best track record in the past or have gone through a 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 sub-prime auto financing, even with zero or $500 down. ACE works with auto finance companies and car lots in the US and Canada.

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, terrible 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 approved for vehicle financing even while you're going through awful situations like bankruptcy and repossession. Obtaining 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're still 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 sign a lease for a vehicle or try to get approved for a loan?" The answer isn't so straight-forward because each person’s financial situation, credit history and vehicle requirements are different. 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 customer's needs, we can more accurately decide what financing option is going to be the most beneficial for them.