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Auto Credit Express vs LendingClub

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Pros
  • BBB accreditation with A+ rating
  • Connections with subprime dealerships and lenders
  • Credit rebuilding tools
Pros
  • Applicants can pre-qualify with a soft credit check
  • Application process 100% online, including document upload
  • Charges no origination fee
  • Very easy to extend your existing loan term by up to 12 months
Cons
  • Only a broker
Cons
  • Not available in all states
  • Has some vehicle restrictions
  • Maximum refinance amount lower than other lenders
Selling Points
  • BBB accreditation with A+ rating
  • Connections with subprime dealerships and lenders
  • Credit rebuilding tools
Selling Points
  • Applicants can pre-qualify with a soft credit check
  • Application process 100% online, including document upload
  • Charges no origination fee
Available Car Options
  • Undisclosed
    Used
Available Car Options
  • Undisclosed
    Used
Customer Support
  • Undisclosed
    Articles and Videos
  • Undisclosed
    Email
  • Undisclosed
    Email Support
  • Undisclosed
    FAQs
  • Undisclosed
    Help Guides
  • Undisclosed
    Live Chat
  • Undisclosed
    Phone
  • Phone Support
Customer Support
  • Undisclosed
    Articles and Videos
  • Undisclosed
    Email
  • Email Support
  • Undisclosed
    FAQs
  • Undisclosed
    Help Guides
  • Live Chat
  • Undisclosed
    Phone
  • Phone Support
Eligibility (Credit Score)
  • Accepts all Credit Types
  • Undisclosed
    Doesn't Cover Bad Credit
Eligibility (Credit Score)
  • Undisclosed
    Accepts all Credit Types
  • Doesn't Cover Bad Credit
Features
  • Undisclosed
    APRs (Annual Percentage Rate) Vary
  • Undisclosed
    Mobile Application
  • Undisclosed
    Requires Minimum Credit Score
  • Undisclosed
    Test Drive
Features
  • APRs (Annual Percentage Rate) Vary
  • Undisclosed
    Mobile Application
  • Requires Minimum Credit Score
  • Undisclosed
    Test Drive
Money-Back Guarantee
  • Undisclosed
    Yes
Money-Back Guarantee
  • Undisclosed
    Yes
Multiple Financing Options
  • Lease Buyout
  • New Auto
  • Undisclosed
    Private Party
  • Refinance
  • Used Auto
Multiple Financing Options
  • Undisclosed
    Lease Buyout
  • New Auto
  • Undisclosed
    Private Party
  • Refinance
  • Used Auto
Payment Options
  • Undisclosed
    Automatic Payments (ACH Transactions)
  • Undisclosed
    Cash
  • Undisclosed
    Cash Payments
  • Undisclosed
    Debit or Credit cards
  • Undisclosed
    Mailed Payments
  • Undisclosed
    Major Credit Cards
Payment Options
  • Undisclosed
    Automatic Payments (ACH Transactions)
  • Undisclosed
    Cash
  • Undisclosed
    Cash Payments
  • Debit or Credit cards
  • Undisclosed
    Mailed Payments
  • Undisclosed
    Major Credit Cards
Protection
  • Undisclosed
    Extended Warranty
  • Undisclosed
    GAP Insurance
  • Undisclosed
    Limited Warranty
  • Undisclosed
    Return Policy
Protection
  • Undisclosed
    Extended Warranty
  • Undisclosed
    GAP Insurance
  • Undisclosed
    Limited Warranty
  • Undisclosed
    Return Policy