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Lauren Le-Hair


Lauren Le-Hair

Refinancing your Auto Loan in Minutes
Refinancing your Auto Loan in Minutes

AUTOPAY is a marketplace lender that provides comparisons of auto loans. Founded in 2007 and based out of Denver, Colorado, AUTOPAY works with over 150 lenders nationwide to display the best auto loan financing options available in the market. AUTOPAY offers traditional refinancing, cash-back refinancing, and lease-payoff financing, catering particularly to individuals with poor to fair credit histories. AUTOPAY is renowned for its friendly yet efficient customer support, easy-to-use website, and competitive APR rates, even for those with bad credit history.









AUTOPAY Auto Loans Review

AUTOPAY offers a variety of financing solutions to customers via its online marketplace. You can search for new car loans or loan refinancing from over 150 trusted partners and see your auto loan options in minutes. AUTOPAY provides loan options for people with bad credit ratings and even works with partners who can provide auto financing to people who have been through bankruptcy. Full details of what AUTOPAY can offer you are shown in the table below.

AUTOPAY Auto Loans Highlights


$2,500 - $100,000


24, 36, 48, 60, 72, and 84 months




2.99% - 17.99%


10 days








10 years





Pros & Cons

  • A quick way to compare rates from over 150 lenders
  • Loans can be available for people with poor credit rating
  • Pre-qualification does not require a hard credit pull
  • Flexible finance terms available
  • Timeframes for loan acceptance and loan funding are longer than average
  • APRs can be reasonably high if your credit rating is poor
  • Some hidden fees incurred, such as a “Documents” or “Titles” fee

Auto Loans Types

  • New Car Loan
  • Lease Buyouts
  • Auto Refinance Loans
  • Cash-out Refinance Loans

Vehicle Types

  • Car

AUTOPAY Auto Loans Terms & Requirements

Instead of offering auto loans, AUTOPAY acts as an online marketplace where you can compare deals from different loan providers. AUTOPAY shows several types of auto loans that come with their terms and requirements. The following loan types are shown on AUTOPAY’s website:

New or Used Car Loan

This search simply compares auto loans available on the marketplace for buying a vehicle. Browse through the loans offered and choose the one that meets your needs.

Loan Refinancing

Loan refinancing is the practice of taking your existing loans and replacing them with loans that are cheaper, saving you money in the process. For example, if you took out an auto loan when your credit rating was 600, and your credit rating has since moved to 650, you will be able to take out a new loan to repay your existing loan at a cheaper rate. Ultimately, this will save you money each month. AUTOPAY offers three types of loan refinancing:

  • Traditional loan refinancing: Traditional loan refinancing reduces your monthly payments or interest rate. Alternatively, you can shorten the length of your loan so that you save money in the longer term.
  • Cash back refinancing: This allows you to refinance your existing loan to a loan that is more than you owe, and you then receive the balancing figure in cash. AUTOPAY allows cash-back refinancing up to $12,000.
  • Lease buyout refinancing: You can pay your lease off early with lease buyout refinancing. This option helps you avoid paying higher mileage and extra lease fees, and when base term finishing you keep the vehicle.

AUTOPAY’s marketplace offers loans between $2,500 and $100,000, with loan terms from 2 to 7 years. Compared to other lenders, this is quite a lengthy loan period, so AUTOPAY may not be suitable for people at the end of their loan terms. You’ll need a credit rating of 560 or higher, with the best interest rates reserved for people with credit ratings of over 690. APRs are offered between 2.99% and 17.99%.

The APRs offered by AUTOPAY are competitive, especially for those with a good credit rating. The large number of direct lenders shown through AUTOPAY’s marketplace gives a great range of options for auto loans, and the terms are in line with the market average or better.

If you want to obtain an auto loan through AUTOPAY, you will need to meet the following criteria:

  • 18 years of age or older
  • Must be able to prove a steady stream of income
  • Must be a US citizen or permanent resident

In addition to this, the car you want to buy must comply with the following:

  • Under 10 years old
  • Have less than 150,000 miles
  • Be the borrower’s car, registered in their name

How to Apply

We wished to purchase a new vehicle and used AUTOPAY to get a wide range of loan financing options via its marketplace. 

Screen 1

select “Finance my purchase” to start your application

We reconfirmed that we wanted a new loan to buy a car and that we were buying via a private purchase. This prompted us to enter personal details, including name, address, email, phone number, and income details.

After this, we were asked to identify the vehicle we wanted to purchase, which could be done by make and model or by VIN. We chose the make and model option and selected our vehicle.

After entering details of the make and model, we simply had to review the application and select “Get My Rates” to see the range of offers available to us.

We passed the soft credit pull and could examine our available offers. Using AUTOPAY was very simple, and we would recommend it to anyone wanting to compare a large number of auto loans.

After selecting our loan, we were then put in contact with the direct lender, where we had to verify our income and ID before submitting our formal application. Average times for loan approval are up to 24 hours, with loan funding generally completed within 7 days. These are both slower than the industry average. However, the rest of the application process was quick and easy.

Qualification Requirements

  • A minimum credit score of 560
  • At least 18 years old
  • Citizen or permanent resident of the US
  • Steady provable income

Required Information

To apply for an auto loan through AUTOPAY’s marketplace, you will need to provide the following documentation:

  • Driver’s license
  • Insurance
  • Proof of income
  • Proof of residence
  • Payoff letter if refinancing

Application Steps & Time Frames

The initial pre-qualification took less than five minutes. The website is very user-friendly and easy to use. After we applied, the loan approval took just under 24 hours, and the loan funding took seven days. The process was simple, but the actual financing took slightly longer than average.

State Availability

Available in all states

Privacy & Security

AUTOPAY is a BBB-accredited auto loans company with an A+ rating. In spite of a few negative reviews and concerns, many customers applaud AUTOPAY for the company’s responsive service, informed attitude, and painless process. Two of the company’s core principles are honesty and optimism, demonstrating its commitment to providing the most satisfactory service at the lowest possible cost.

AUTOPAY is keen on protecting its customers’ information. The company only shares its users’ data to achieve some given purposes, such as:

  • Handle transactions
  • Administer account(s)
  • Respond to court orders and legal inquiries
  • Report to credit bureaus
  • Marketing purposes

The types of private information AUTOPAY collects and shares depend on the service or product you have with the company. This information may include:

  • Income Account balances
  • Social Security number
  • Checking account information
  • Payment history
  • Employment information

Customer Support

Customer service is one of AUTOPAY’s fundamental values. You can reach the customer support team via phone or email. There are also social media accounts that you can follow and connect with AUTOPAY.

We contacted AUTOPAY via phone to ask about the terms and conditions of taking out an auto refinancing loan. The call was answered immediately with no hold or waiting time. The customer care agent took their time explaining clearly the terms associated with using AUTOPAY, and the interaction was clear and concise. Full details of how to contact AUTOPAY are detailed in the table below.

Phone Support
(844) 276-3272
Mon - Fri
7:00 AM - 7:00 PM
9:00 AM - 5 PM

In Conclusion

If you are looking to refinance an auto loan and have recently improved your credit rating, then AUTOPAY is an excellent option for you. The company’s loan comparison tool indicates how much money you could save by comparing costs from over 150 auto loan providers. AUTOPAY offers a user-friendly website that quickly gives you a wide range of auto loan options. Approving and processing loans takes a little longer than competitors, but for those with bad to fair credit ratings, AUTOPAY is definitely worth a visit to see how much money you could save.


What credit rating do I need to get an auto loan through AUTOPAY?
AUTOPAY offers loan financing to people with a minimum credit score of 560.
How much money can I borrow through AUTOPAY?
The minimum amount you can borrow is $2,500, and the maximum is $100,000.
How long is my auto loan offer valid for?
Offers made through AUTOPAY are valid for 30 days following the request being made.

AUTOPAY Disclaimer

AUTOPAY offers this loan application and services subject to the following terms and conditions (“Agreement”). Please read this Agreement carefully before using this website or submitting a loan application. By using this website, you accept the terms and conditions outlined in this Agreement. If you do not agree to the terms and conditions outlined in this Agreement, you must not use this website or submit a loan application.

As used in this Agreement, the terms “we” and “us” mean The Savings Group, Inc. and the companies in which The Savings Group, Inc. directly or indirectly owns a majority interest, commonly called “subsidiaries”. These include but are not limited to, AUTOPAY Direct, Inc. d/b/a AUTOPAY and RateGenius Loan Services, Inc. d/b/a RateGenius.

We operate a technology-driven loan and product matching system whereby consumers can apply to finance or refinance their vehicles and be considered by multiple lenders who may offer credit and options for ancillary products related to the loan or vehicle.  We also provide origination fulfillment services for approved loan offers, including, but not limited to, communication of the offer, documentation collection and preparation, and lien perfection.

In most cases, we are not the lender or affiliated with the lender. However, we may offer loans in certain states through a licensed subsidiary. We also provide claims administrations for specific loan products on a limited scale.


This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.


Lauren Le-Hair

As an experienced content writer, Lauren’s passion for the finance sector is only exceeded by her love of writing. Lauren specializes in the financial industry, drawing on her knowledge and experience to deliver top-quality, specialized content with an expert tone of voice and a unique flair. She also holds a First Class (Hons) Batchelor’s degree from Staffordshire University.