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RefiJet 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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Good For
Offers For Low Credit Score
Good For
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APR

5.29-22.00%

APR

4.67-23.80%

Repayment terms
24-96 months
Repayment terms
48-60 months
Min Credit Score
580
Min Credit Score
560
Loan Amount

$5K-$100K

Loan Amount

$3K-$100K

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

Min 5.29%

Refinance APR

Min 4.67%

Soft Credit Pull
Yes
Soft Credit Pull
Yes
Pros
  • Prequalification with soft credit check available
  • Low minimum credit score
  • Can buy out your lease
  • Some lenders offer automatic payment discounts
  • Cash-out refinances available
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 Lack of full online application
  • cons Vehicles older than 10 years not eligible
  • cons $395 origination fee
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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