FREQUENTLY ASKED QUESTIONS

What type of credit can you service?

There are multiple lenders under each credit rating category so consumers will never have to try to qualify for a single lender's program. XPRESS AUTOFINANCE will help you to get the best prices from different lenders. Quite different from other programs, instead of searching to get the best program yourself, XPRESS AUTOFINANCE will give you the best overall solution from an assortment of different lenders just by the click of the mouse. Based on the consumer's credit rating, the best deal will be selected taking into account each lender's "sweet spot."

What does the lender sweet spot mean?

This simply means that most lenders can accommodate many loans for consumers; however, industry experts agree that each lender has a range in which they excel. For this purpose, we have termed the "sweet spot" that range where a lender can offer the absolute best overall solution. By aggregating lenders through XPRESS AUTOFINANCE, a consumer's chances of hitting a sweet spot are much higher, meaning their chances of being approved for an even better loan are greater.

Will more than one lender call me?

You will not be getting a lot of phone calls from different lenders -- the one and only phone call you will receive will be from the one lender with the best deal for them – clean and simple.

Why is XPRESS AUTOFINANCE a better way?

Designed with the consumer in mind, a new auto loan or refinance takes less effort than ever to be funded. The program is seamless in terms of how it functions and benefits the consumer.

The reason for this is simple:

• Single-source lending programs are trying to take their program and make it work for consumers with all different ranges of credit.
• Existing multi-lender programs tend to have multiple lenders all offering the same or very similar programs with very little variation in terms for the consumer, plus this also means the consumer is barraged with up to 4 lenders all soliciting them for their business.
• Last but certainly not least; consumers will have a much higher likelihood of being approved since XPRESS AUTOFINANCE has more lenders offering more programs.

How does the process work?

With XPRESS AUTOFINANCE, once consumers submit their personal information, credit checks are done and the pre-approval occurs within minutes. Once the approval is delivered (via phone or email), official documents with postage-paid return envelopes are sent overnight to get the consumers’ signatures. At this point, the loan is in the hands of the XPRESS AUTOFINANCE lender and the consumer shall have nothing else more to do than start writing checks to their new financial institution once the loan is funded.