Auto Credit Express is one of the best marketplaces available for bad credit auto loans. They offer a host of different options from which to choose and helps customers with low credit scores, previous bankruptcies, and special financing needs.

The company also offers refinancing options, though perhaps with credit requirements that are not as flexible as purchase options. Borrowers with less-than-stellar credit can still secure refinance loans but must meet certain requirements.

Since Auto Credit Express has a substantial network of lenders available to offer rates, borrowers can opt for traditional auto loan refinancing or, depending on the available lenders, a cash-out auto refinance.

Auto Credit Express has many helpful articles and blog posts that go into detail about when and for who auto loan refinancing makes sense.

In order to qualify for a loan with the lenders and dealers in Auto Credit Express' network, prospective borrowers must be able to produce proof of a monthly income of at least $1,500 (from a full time job or a guaranteed fixed income), be current residents of the United States or Canada, able to acquire auto insurance, and able to show proof of residency. They must also have a working phone number, and a recent utility bill.

In much the same way as an auto loan purchase, the refinancing application process is easy and quick to complete.

The online form’s first two pages deal with personal, contact, and financial details. Next, you fill out the vehicle and loan information. The last step before submitting is completing your employment particulars. At this point, you click to agree to Auto Credit Express’s terms of use and privacy policy.

Customers should be aware that by accepting the terms and conditions, they are agreeing to be contacted by up to five participating lenders who will provide them with loan offers.

Approval and funding times depend entirely on the lender.

Auto Credit Express is an accredited business with the BBB and has an A+ rating with them. The company only has nine complaints in the last three years, and they have all been answered. This shows the level of service Auto Credit Express offers its customers.

The company also holds a Trustpilot score of 4.7 out of 5, with over 2,700 reviews of which 82% are excellent and only 5% are below average.