Auto Credit Express vs OneMain Financial

Auto Credit Express is a well-established auto loan broker headquartered in Auburn Hills, Michigan, with over 20 years of experience in the industry since their founding in 1999. The company connects customers with lenders and dealerships, particularly those with challenging credit histories. Auto Credit Express offers a diverse range of loan products, including vehicle purchase loans, leasing options, refinancing, and cash-out refinancing, catering to individuals with bad credit, no credit, or those who have experienced bankruptcy. One of Auto Credit Express's unique features is their extensive network of over 1,500 car dealerships and lenders across the US and Canada. Despite some mixed feedback regarding customer service and the potential for hard credit inquiries, Auto Credit Express remains a valuable resource for individuals seeking auto financing with less-than-ideal credit profiles. Auto Credit Express presents a compelling solution worth further investigation for those exploring their auto loan options.

OneMain Financial, established in 1912 and headquartered in Evansville, Indiana, is a trusted provider of personal and auto loans for individuals with less-than-perfect credit. Specializing in unsecured and secured loans, they offer loan amounts ranging from $1,500 to $20,000, helping borrowers cover various financial needs, from debt consolidation to major purchases. Known for their customer-focused approach, they strive to make the lending process straightforward and transparent, offering both online and in-person services through their nationwide network of over 1,300 branches. Unique features include flexible repayment terms and the option for same-day funding. Customers frequently praised their personalized service and attentive loan specialists, though it's important to note that interest rates can be higher than industry averages, reflecting the company's target audience of higher-risk borrowers. They maintain an A+ rating with the Better Business Bureau (BBB) and have earned positive feedback for their responsive customer service, making them a reputable option for those looking for a reliable loan provider despite credit challenges. Read our review to learn all you need about OneMain Financial before making your call.