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AUTOPAY vs. Carloans.com Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Car Loans

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Car Loans

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Good For
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Good For
Get Approved in 2-Minutes
APR

4.67-23.80%

APR

3.2-24%

Repayment terms
48-60 months
Repayment terms
12-84 months
Min Credit Score
560
Min Credit Score
320
Loan Amount

$3K-$100K

Loan Amount

$1K-$100K

Lender Type
  • Marketplace
Lender Type
  • Marketplace
Prepayment Fee
None
Prepayment Fee
None
Refinance APR

Min 4.67%

Refinance APR

Soft Credit Pull
Yes
Soft Credit Pull
No
Pros
  • Many lenders and options are available
  • A wide range of loan amounts
  • Low initial interest rate
  • Offers pre-qualification with a soft credit check
Pros
  • Quick and simple application form
  • Loans available to people with bad or no credit ratings
  • No fees associated with the loans
Cons
  • cons An initial deposit may be required
  • cons It takes 24-48 hours for a loan to be approved, which is longer than other lenders
  • cons It may take 1-2 weeks for a loan to be funded, which is longer than other lenders
Cons
  • cons Limited information available online about the loan terms
  • cons No soft credit pull available
  • cons High APRs if your credit rating is very poor
  • cons No visibility of lending partners
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