Key negative aspects of customer feedback include allegations of misrepresentation of services and an overall lack of transparency. Customers report frustration at being promised guaranteed financing without a down payment, only to be met with demands for high down payments at dealer locations. Additionally, there are complaints about miscommunication, indicating that loan approvals communicated by Auto Credit Express are not consistent with the actual terms offered at dealerships. Several customers described their experiences as a waste of time and felt tricked into visiting dealerships under false pretenses. The company's customer service is also criticized for being unresponsive or unhelpful, particularly towards non-English speakers or individuals with disabilities. The tone of the reviews suggests that customers often leave feeling deceived and dissatisfied with the entire loan acquisition process facilitated by Auto Credit Express.