Get the Car You WantFinancing Options for All Credit Types

A+
Rating as of 10/06/2026

Explore Auto Loan Options

Special Financing
for Auto Loans

Understand the process,
requirements, rates, and benefits -
and get started online.

Low Income
Car Loans

Discover dealers and lenders that
specialize in working with most
incomes and credit types.

Rent to Own
Car Loans

Connect with dealerships that
offer flexible financing options for
new and used cars.

Military Auto
Financing Options

Explore car loan options for
military members and veterans,
including key benefits.

The Largest Network of Bad Credit Car Dealers Across the Country

Active Dealerships Nationwide
4,632
Active Dealerships Nationwide
Requests Processed Today
3,429
Requests Processed Today
Processed in the Last 12 Months
2,075,411
Processed in the Last 12 Months

Find a Special Finance Dealer Near You

We match bad credit car buyers to verified dealers based on credit and vehicle needs. Instead of going through the hassle of applying to multiple dealerships only to be turned down upon arrival, let us connect you to the dealership in your area that has the specific lending options that will work for your situation.

Find My Matches

Start Today. Drive Today.

Our online loan request form is easy, quick, and free.

Get Started Online
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Tools to Start Your Financial Journey

Monthly Payment Calculator

Estimate how much your monthly loan payment by completing your auto loan request online.

Quick, Easy & Fast Monthly Payment Estimate

You will need the following:

  • Amount of the vehicle you're looking to purchase.
  • The interest rate you're offered.
  • How much you plan to use as a down payment.
  • The term of the loan you're considering.
Calculate Monthly Payment

Car Loan Estimator

Estimate how much you can finance & complete your auto loan request online.

Find out How Much You're Eligible to Finance

You will need the following:

  • Your current credit score rating.
  • Monthly income, before taxes are deducted.
  • Your monthly rent/mortgage payment.
  • Any recurring monthly payments like loans or debts etc.
Estimate Approval Amount

Why People Trust Auto Credit Express

Proven Customer Satisfaction

Our exceptional track record proudly boasts a 4.6 Trustpilot Score and an A+ Rating with the Better Business Bureau.

Honest & Transparent

No misleading claims or false promises. We connect real car buyers to real local dealers that are ready to work for you.

Fast & Easy Process

Simply fill out our simple loan request form, and we'll get to work connecting you with a dealership that can help.

Helpful Car Buying Tips for Bad Credit

How Do Car Loans Work

Understanding how car loans work can help you make smarter financing decisions and get behind the wheel sooner.

Read Full Article

What Is a Credit Score? Why It Matters for Your Car Loan

Your credit score plays a major role in what kind of auto loan you can qualify for — learn what it means and how to use it.

Read Full Article

Buying a Car After Bankruptcy

A bankruptcy doesn't have to keep you from getting a car loan. Find out how to rebuild credit and get back on the road.

Read Full Article

What Our Customers are Saying

Maria G.
Phoenix, AZ
Great customer service. The buying process was extremely professional and painless.

4 out of 5 stars

James R.
Miami, FL
The experience was great! I was pre-qualified through cars direct in a couple days.

5 out of 5 stars

Heather L.
Columbus, OH
Dennis rolled up his sleeves & was relentless in his efforts to get me financed!

4.5 out of 5 stars

Carlos M.
Dallas, TX
Everyone there was very nice and helpful, I would recommend this place.

4 out of 5 stars

FAQ's

What information do I need to start my Auto Credit Express request?
To start your auto loan request form with Auto Credit Express, you will fill in a form with your basic personal information and answer a few questions regarding your situation, income, and employment. Keep in mind that you will also need additional information and documentation when you arrive at a dealership to get a loan. These include a valid driver's license, proof of income, proof of insurance, and personal references.
How quickly can I get matched to a dealership?
It typically takes one to three days to be connected with a dealership that can handle your loan request, based on your situation. Once you're matched with a dealer, they may contact you to set up an appointment, or you can reach out to them to see what they have available that meets your needs. We will continue to keep your connection request on file for 30 days, after which time you're free to file another request.
Does my income level affect my chances of getting approved for a car loan?
Though Auto Credit Express works with consumers of all credit types, your approval is based on the dealership you're matched with and the loans they're able to furnish. That said, your income level may impact the amount of loan you're able to secure, though the lenders in our network are prepared to work with people who have bad credit, low income, and even no credit history at all.
Can I use Auto Credit Express if I have no credit?
Yes. Auto Credit Express doesn't discriminate based on credit, and our network of dealerships specializes in helping consumers in unique credit situations, such as no credit, first-time car buyers, and those with poor credit scores.
What types of vehicles can you qualify for through our partners?
You can qualify for both new and used vehicles, depending on the dealership and lenders you're connected with. Some of our dealers are franchised dealerships with one or more brands, while others are independent dealers, or buy here pay here car lots. We will attempt to connect you to a dealership that's available in your area, regardless of dealer type.

Auto Financing Trends & News

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  • What is the Average Interest Rate on a Car Lo

    September 24, 2026

    Interest rates are continuously fluctuating, with the average interest rate for a new car loan being 6.35% in the second quarter of 2026, according to Experian....

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