Customer Testimonials
"Thanks for putting a deal together that fits my goals. Your
dedication is appreciated."
dedication is appreciated."
Richart L.
Port Huron, MI
Port Huron, MI
Basic Requirements
- At least $1,500 gross monthly income required for credit scores less than 625.
- All bankruptcies must be discharged.
- No repossessions within the last year unless included in a bankruptcy.
- Loans are for automobile purchases from our authorized licensed dealer partners.
- Financing is available for US or Canada residents at least eighteen years of age.
Special Finance Car Loans
Now there's a way to get subprime auto financing for a new or used vehicle even if you have bad bureau history. With our Special Finance Auto Dealer associates, there is no hassle, no waiting, and no pressure. In fact, you can submit a subprime auto loan request online! We're the experts on bad credit, so let us make it easy for you.
Simple 4 Step Process
Submit an online special finance auto loan application and get pre-approved to buy a car
at one of our special auto dealers in the US or Canada.
After you send your application, one of our special finance auto dealers will process your subprime
car loan request. Same day approvals are common.
A local car dealer representative will inform you of the required documentation needed to complete
your special finance car loan package.
Visit the auto dealership, select a new or used automobile, and close your loan. You can buy
a car in less than 24 hours.
Auto Credit Express®
Nationwide our service has closed over 1 billion dollars in special finance auto financing for people with sub prime or bad bureau scores. We're the only company processing special finance car loans inside select new and used car dealerships across America and Canada. We overcome most sub prime problems by providing simple, special services for first time buyers, people with bankruptcy, or bad credit.ACE dealers work with the largest special finance lenders to ensure each applicant gets the right auto loan based on their bureau history.
ACE is not a subprime auto finance company. We are a car buying service for people with bad credit.
What monthly payment can you afford?
When you are buying a new or used vehicle it is very important that you do not financially overextend yourself. If you have a low bureau score, one of the best ways to raise it is to obtain financing and make the monthly payments on time. Lenders have formulas to calculate the maximum allowable payment. Following is a general rule to keep in mind to make sure you do not overextend yourself.First, divide your income by 2. If you make $3,000 per month that would leave you with $1,500 disposable income. From your disposable income, subtract any monthly payments that you currently have. For example: rent, telephone, utility bills, and vehicle insurance. Note that depending on your age, where you live, and the vehicle you select, the insurance payment may be as high as the vehicle payment. Make sure you know how much you will have to pay for insurance before you agree to a new vehicle payment.
After completing the calculations above, you should have a good idea of how much you can pay each month for a vehicle.