Credex review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Credex lends against a car title in Florida, aimed at borrowers with poor credit and a title in their own name. The cost is 33.64% to 35.95%, well above the 12% market median, on balances of $750 to $5,000 repaid over 6 to 24.

Key facts

Best for
A Florida car title loan for a borrower with poor credit who needs money the same day.
APR
33.64% to 35.95% (Source, checked September 26, 2026)
Loan amount
$750 to $5,000 (Source, checked September 26, 2026)
Term
6 to 24 months (Source, checked September 26, 2026)
Arrangement fee
USD 25.00 one-time application fee (Source, checked September 26, 2026)
Credit check
None (Source, checked September 26, 2026)
Funding time
Same day, about 20 minutes (Source, checked September 26, 2026)
Representative example
Auto title loan of $2,230.06 for 18 months at 34.57% APR with $25 application fee, $160.14 monthly, $2,881.93 total (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18 or older, resident of Florida; vehicle with a Florida certificate title in your name, valid state ID and proof of income (Source, checked September 26, 2026)
Loan types
Car, Secured (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Credit Express Group LLC (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
credex.net

Apps and profiles

Elsewhere
LinkedInTrustpilotfacebook.cominstagram.com

Pros and cons

Pros

  • Early repayment is free, so clearing the balance sooner stops the interest building.
  • Support runs on email, phone and help centre, so a borrower can reach the lender by phone, by email or through the help centre.
  • As a direct lender holding the Florida Consumer Finance Act licence, the contract sits with the company making the loan.
  • Lending covers the car and secured categories, so the vehicle itself is the security.

Cons

  • Rates of 33.64% to 35.95% sit well above a market median of 12%, so the total repayable matters more than the monthly instalment.
  • A USD 25.00 one-time application fee is charged on top of the interest, and the published example shows the total repayable running above the amount borrowed.
  • Borrowing stops at $750 to $5,000 and runs only 6 to 24, so a large bill or a consolidation is out of reach.

Ready to try Credex?

Scored 9.0 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults in Florida with poor credit, a car title in their own name and proof of income.
  • Borrowers who want the decision made on collateral, since the credit check is none.
  • People who expect to clear the balance early, since early repayment is free.

Who should look elsewhere

  • Borrowers chasing a lower rate: Sofkredit lists 10.74% to 18.06% next to Credex's 33.64% to 35.95%.
  • Anyone needing a larger balance: Creduma ES lends from from €12,000, well past Credex's $750 to $5,000 ceiling.
  • Applicants outside Florida: Cashspace quotes PHP 12 to PHP 36 in another market, while Credex's eligibility rests on a Florida title.

Who runs it

Credex is operated by Credit Express Group LLC and is based in the US, so the agreement is with the company that makes the loan rather than with a broker. It lends under the Florida Consumer Finance Act, the licence it names. Support runs on email, phone and help centre, so a borrower can ask questions by phone, by email or through the help centre.

How Credex compares

Where Credex is available

Available
United States
Licence in United States
Florida Consumer Finance Act, Florida Statute 516, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a Credex title loan?+

Credex's auto title loans carry 33.64% to 35.95%, while the median across the wider market is 12%. The rate follows the car rather than a credit file, which is how the lender reaches borrowers with poor credit. Check the total repayable on the example, not just the monthly payment.

How much can I borrow from Credex?+

The $750 to $5,000 range is a hard ceiling and small beside a personal loan. A USD 25.00 one-time application fee is charged once on the application, with monthly instalments on top. This sizing suits a repair or an emergency rather than a debt consolidation.

How long do I have to repay a Credex loan?+

Repayment runs 6 to 24, short enough for interest to build quickly on a secured loan. The published example shows an auto title loan repaid in monthly instalments with a total repayable well above the amount borrowed. A short term works as a bridge, not a restructure.

Does Credex run a credit check?+

The credit check is none and the stated credit requirement is poor. The decision rests on the car's value and on proof of income, so a poor file does not stop an application as it would elsewhere. Applicants still need to be adults and Florida residents with valid state ID.

How quickly can I get the money?+

Funding is Same day, about 20 minutes, and same day funding is listed among its features. The vehicle is already valued and titled, so the lender is not waiting on another party. The speed comes from pledging the car rather than a stronger credit file, so read the full cost before signing.

Who regulates Credex and how do I get help?+

The lender is based in the US and operates under the Florida Consumer Finance Act, the licence it names. Support runs on email, phone and help centre, so questions go by phone, by email or through the help centre, and the contract sits with the lender rather than a broker.

Sources

  • credex.net checked September 26, 2026

    Backs: APR, Credit needed, Lender type, Loan types, Arrangement fee, Representative example, Term, Licences

    “APR: Our maximum annual percentage rate is 35.95%.”

  • credex.net/auto-title-loans checked September 26, 2026

    Backs: Loan amount, Features

    “Loans From $750 to $5,000”

  • credex.net/faq checked September 26, 2026

    Backs: Credit check, Eligibility, Free early repayment, Funding time, Support channels

    “At CREDEX we do not run a credit check for you to qualify for a title loan, rather the loan is based on the value of your car.”

  • credex.net/terms-of-use checked September 26, 2026

    Backs: Headquarters, Legal entity

    “This website is operated by Credit Express Group LLC, 546 E Commercial Blvd, Ft. Lauderdale, Florida 33334.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Credex

A Florida car title loan for a borrower with poor credit who needs money the same day.

9.0/10See alternatives

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