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RateGenius vs. AUTOPAY 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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APR

4.67-23.80%

APR

4.67-23.80%

Repayment terms
36-84 Months
Repayment terms
48-60 months
Min Credit Score
550
Min Credit Score
560
Loan Amount

Min $8K

Loan Amount

$3K-$100K

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

Min 4.67%

Refinance APR

Min 4.67%

Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Application is easy and simple
  • Most rates are at the lowest they've ever been
  • Older vehicles are considered
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
Cons
  • cons May charge origination fee up to $395
  • cons The minimum loan amount is could be lower
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
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