Auto Credit Express | Auto Loan

The exact requirements may vary by lender, but Auto Credit Express lists the main expectations for applying for a bad credit loan.

• Be at least 18 years old
• Provide proof of at least $1,500 to $2,500 in monthly income
• Be employed full-time or have a guaranteed fixed income
• Provide an address and proof of residency in the U.S. or Canada
• Have a valid driver’s license
• Be able to obtain auto insurance

An Auto Credit Express loan application can be completed entirely online or over the phone. According to the lender, the process should only take about three minutes.

1. Submit a loan request form:

First, you need to provide basic details such as your name, income, address, including rent payments, employment information, and SSN.

2. Get matched with a lender:

At this stage, you will be matched with a lender. Keep in mind that although Auto Credit Express does not pull your credit report, the lender you are matched with likely will, which may result in a hard inquiry.

3. Shop for vehicle:

Finally, a dealer in your area will contact you and set up a time for you to visit the dealership. Your financial information will be verified, and you will be able to buy a vehicle.

• Full name
• Social Security number
• Date of birth
• Address and length of residence
• Email address and phone number
• Housing payment
• Employment information
• Monthly income