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Auto Credit Express vs Upstart

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Pros
  • Flexible approval requirements
  • Tools and resources
Pros
  • Advanced technology
  • Fast and easy loan application
  • Flexible loan terms
  • Auto loan calculator
  • Custom rates
Cons
  • Limited to dealers within the ACE network
  • Higher rates with subprime or BHPH lenders
  • Potential for hard credit check
  • Social Security number required for application
Cons
  • Limited physical branches
  • Technology dependency
  • Only offers car refinance loans
  • Lack of transparency
  • Not nationwide
Summary

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.

Summary

Upstart, founded in 2012, is an online lender headquartered in San Mateo, California. The company specializes in auto loan refinancing and leverages AI technology to evaluate borrowers beyond traditional credit scores. This approach considers factors such as income, education, and employment history, making it more accessible for individuals with thin or poor credit profiles. Upstart's services are online, offering a convenient and streamlined application process. Key features include flexible loan terms ranging from 24 to 84 months, loan amounts between $3,000 and $60,000, and competitive APRs starting at 5.61% but varying by state. The platform does not charge upfront fees, prepayment penalties, or origination fees unless specific conditions like repossession or late payments occur. One of Upstart's unique aspects is their ability to prequalify borrowers without impacting their credit scores. However, the platform does not offer purchase loans for new or used cars or allow co-borrowers or co-signers. Despite these limitations, Upstart's innovative underwriting process has garnered positive feedback for their inclusivity and efficiency. Upstart has been accredited by the Better Business Bureau since 2015 and holds a high Trustpilot score, indicating intense customer satisfaction. Upstart's AI-driven approach and flexible terms make them a compelling option worth exploring further for those seeking to refinance their auto loans.

Quick Stats
  • Loan Terms : Undisclosed
  • Minimum Accepted Credit Score : Undisclosed
  • APR : Undisclosed
  • BBB Rating : A+
Quick Stats
  • Loan Terms : Undisclosed
  • Minimum Accepted Credit Score : Undisclosed
  • APR : Undisclosed
  • BBB Rating : A+
Selling Points
  • Credit rebuilding tools
  • Special rates for military members
Selling Points
  • No application fees
  • Prequalification without impacting credit
  • 100% online application
  • Low minimum or no credit score requirements
Multiple Financing Options
  • Lease Buyout
  • Loan Refinancing
  • New Vehicle
  • Undisclosed
    Private Party
  • Used Vehicle
Multiple Financing Options
  • Undisclosed
    Lease Buyout
  • Loan Refinancing
  • Undisclosed
    New Vehicle
  • Undisclosed
    Private Party
  • Undisclosed
    Used Vehicle
Additional Services
  • Undisclosed
    Extended Warranty
  • Undisclosed
    GAP Insurance
  • Undisclosed
    Limited Warranty
  • Mobile Application
  • Undisclosed
    Online Account Management
  • Undisclosed
    Return Policy
Additional Services
  • Undisclosed
    Extended Warranty
  • Undisclosed
    GAP Insurance
  • Undisclosed
    Limited Warranty
  • Mobile Application
  • Undisclosed
    Online Account Management
  • Undisclosed
    Return Policy
Eligibility Requirements
  • Undisclosed
    Hard Credit Check
  • Income
  • Undisclosed
    Minimum Credit Score
  • Undisclosed
    Pre-qualification With Soft Check
Eligibility Requirements
  • Undisclosed
    Hard Credit Check
  • Undisclosed
    Income
  • Undisclosed
    Minimum Credit Score
  • Undisclosed
    Pre-qualification With Soft Check
Fees & Costs
  • Undisclosed
    Documentation/Processing Fee
  • Undisclosed
    Late Payment Fees
  • Undisclosed
    Origination Fee
  • Undisclosed
    Prepayment Penalties
  • Undisclosed
    Title Transfer Fee
  • Undisclosed
    Upfront or Application Fees
Fees & Costs
  • Undisclosed
    Documentation/Processing Fee
  • Undisclosed
    Late Payment Fees
  • Undisclosed
    Origination Fee
  • Undisclosed
    Prepayment Penalties
  • Title Transfer Fee
  • Upfront or Application Fees
Payment Options
  • Undisclosed
    Automatic Payments
  • Undisclosed
    Cash
  • Undisclosed
    Check
  • Undisclosed
    Debit or Credit Cards
  • Undisclosed
    In-Person Payments
  • Undisclosed
    Mail-In Payments
  • Undisclosed
    Online Payments
  • Undisclosed
    Phone Payments
Payment Options
  • Undisclosed
    Automatic Payments
  • Undisclosed
    Cash
  • Undisclosed
    Check
  • Undisclosed
    Debit or Credit Cards
  • Undisclosed
    In-Person Payments
  • Undisclosed
    Mail-In Payments
  • Undisclosed
    Online Payments
  • Undisclosed
    Phone Payments
Customer Support
  • Articles and Videos
  • Undisclosed
    Email
  • FAQs
  • Help Guides
  • Live Chat
  • Phone
Customer Support
  • Undisclosed
    Articles and Videos
  • Email
  • FAQs
  • Help Guides
  • Live Chat
  • Phone