Auto Credit Express
Auto Credit Express is a company that caters to what it terms special credit needs.
This really means it is a company that specialises in sub-prime loans for cars and trucks for people who have bad credit or a poor credit history.
They are based in Michigan and operate a distinct business model.
They invite potential customers to use an on-line application form, in which they say that once completed a dealer who lives near the applicant will contact them and invite them to the showroom.
It sounds a bit like an interview, but is certainly a business model where they retain control over who is able to apply for a loan and isn’t.
Perhaps the one downside to this type of model is that when invited into the dealership, the type and range of vehicles available to buy will be determined by the dealer, rather than the other way round.
It puts a loss of power into the hands of the dealership in determining which car or truck the customer is able to buy.
Auto Credit Express – Reviews – Better Business Bureau
People turn to reviews of Auto Credit Express to try and get some type of independent assessment of how trustworthy they are or not.
As mentioned above, reviews can be a tricky area to navigate in terms of independence and simply people mouthing off because they did not get what they want.
Having said that, the Better Business Bureau does carry a number of favourable reviews and comments from satisfied customers that appear genuine. This is not a guarantee of anything, but can give some level of guidance.
Quite often reviews can point up favourable or unfavourable elements of a company that you might not otherwise have.
The best source of any review some type of government or state analysis of a company, in terms of its financial health and its adherence to legal and statutory obligations.
Be on that it is going to reviews on car sites, forums and any bad credit website that seems relatively independent in order to try and find out a bit more information.
Whilst people look to reviews, the best they can do is highlight the reality of how the company operates.
Some people had good experience for them, the people not so good experiences. Some of this without a company or its employees, others will be down to the customers.
The more you know about a company and how it operates the better able you are to make an assessment of whether or not it had the right company for you.
Auto Credit Express Dealers
This is perhaps the biggest drawback of Auto Credit Express, that you cannot contact their dealerships directly.
It inverts the whole process of car buying, and puts much more power in the hands of the dealer. You have to apply through the auto credit express website before a dealer will then contact you.
Whilst in practice this may suit a number of people, it does mean that a customer is much more liable to have their choice of cars extremely restricted as they will have to go through a particular dealership first, and then decide what: they want by rather than the other way round
When visiting a dealership for the first time, you will need to have a certain amount of information with you.
This will include your current pay stub or payslip, a W – 2 form, a current bill with your name and address on it, possibly two or three, any bankruptcy discharge papers that are relevant, a valid drivers license, a number of personal references, any proof of title to a car you are looking to trade in and proof of insurance.
Auto Credit Express , 3271 Five Points Drive, Suite 200, Auburn Hills, MI 48326
Phone : 866-902-4403