7.0
Overall Score
Author: Kaitlyn Short
AUTOPAY provides direct-to-consumer financing and refinancing for individuals looking for the best financing terms and a no-hassle transaction.
Highlight: AUTOPAY rates and terms
Continue reading for a full review of this auto refinance company, or jump down to Autopay reviews.
AUTOPAY offers multiple types of refinancing:
With these options you can more easily tailor your refinancing experience to your specific needs and circumstances. It is important to note that not all auto refinance lenders offer cash back refinancing or lease buyouts.
No matter the reason you're refinancing your vehicle, AUTOPAY works hard to make the process short, simple, and entirely online.
To start, you will need to provide some basic information. This includes things like your name and whether you're applying alone or with a co-borrower. You'll also be asked to provide your address, previous address, current employment status, and information about the vehicle and your existing loan.
Once all the e-paperwork is filled out, AUTOPAY will present a list of loan offers from different loan lenders.
With a minimum credit score requirement of approximately 600, AUTOPAY recognizes that not everyone will have a perfect credit score, and is committed to helping everyone refinance their auto loan. AUTOPAY will work with you to get the best rates possible.
To see your rates, AUTOPAY does a soft credit inquiry or a soft pull (which does not affect your credit score). This is great for those who are merely comparing quotes and shopping around before committing to an auto refinancing loan.
Once you select a loan offer with AUTOPAY, then a hard credit pull is required.
While it isn't necessarily a bad thing that AUTOPAY isn't a direct lender, processing and underwriting loans in-house, it does have a few drawbacks: rates are subject to change depending on the lender you choose from AUTOPAY's network, and fees may also vary.
However, refinancing through a marketplace lender, such as AUTOPAY, does provide you with greater flexibility in finding the best loan option for your needs. But it is important that you reasearch your chosen lender to know what fees and terms they might have.
AUTOPAY has a no refund policy. Don't expect any refunds to be provided for payments made to your AUTOPAY account.
AUTOPAY is a good option for anyone who has recently improved their credit score and would like to start their search on a refinancing company.
AUTOPAY is not a lender, but is a lender marketplace (meaning you fill out a form and will receive offers from multiple lenders in AUTOPAY's credit union network). Most auto refinancing companies operate under the same model, providing a borrower with the ability to view and compare various refinancing loans and rates. A benefit or working with AUTOPAY is that a list of lenders will be populated after you enter your information online. Many other companies require a phonecall with a company representative before a borrower can access a list of lenders.
After submitting your application, AUTOPAY will do a soft credit pull, which does not affect your credit score. If you choose to work with a lender, then a hard credit pull is required.
There are currently no AUTOPAY customer reviews, and so we are not in a position to recommend this company at this time. If you have refinanced an auto loan through AUTOPAY, please leave a review about your experience to help future consumers.
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Jonathan Tampa, FL
3 years ago Edited January 10, 2024
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Sep. 1st, 2022
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Crystal Williams Fayetteville, NC
3 years ago
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Jun. 17th, 2022
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Candy Lea McDonald Ardmore, OK
3 years ago
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Jun. 3rd, 2022
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Roscoe Waukee, IA
4 years ago
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Aug. 6th, 2021
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Jennifer Murfreesboro, TN
4 years ago
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Aug. 6th, 2021
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Alexander Law Ellensburg, WA
4 years ago
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Jun. 8th, 2021
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Steven walker Graeagle, CA
3 years ago
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Jun. 3rd, 2022
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Gary
3 years ago
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May. 31st, 2022
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Tonya Ronnebaum Charlevoix, MI
3 years ago
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Dec. 9th, 2021
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Tysha Bolding Louisville, KY
4 years ago
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Dec. 1st, 2021
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Samantha Freeman Pembroke, NC
4 years ago
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Oct. 25th, 2021
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Nenette Serrano Las Vegas, NV
4 years ago
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Oct. 23rd, 2021
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Michael Glenn Indianapolis, IN
4 years ago
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Oct. 1st, 2021
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Theresa Lingenfelter Mason, MI
4 years ago
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Oct. 1st, 2021
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Jessica Higdon Browns Summit, NC
4 years ago
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Oct. 23rd, 2021
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Alan J Roukey Northampton, MA
4 years ago
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Aug. 6th, 2021
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Jason Cornelison Albany, OR
3 years ago
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Sep. 23rd, 2022
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Marcos
3 years ago
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Sep. 3rd, 2022
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Catherine
3 years ago
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May. 31st, 2022
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Carolyn Surbercammy23@yahoo.com Sedalia, MO
3 years ago
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Mar. 26th, 2022
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Michael J Rivera-Pere Rochester, NY
4 years ago
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Dec. 1st, 2021
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Bernard Henderson West Palm Beach, FL
4 years ago
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Oct. 26th, 2021
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Gerald Bias Maitland, FL
4 years ago
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Oct. 25th, 2021
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Benjamin D Washburn Las Vegas, NV
4 years ago
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Oct. 1st, 2021
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Lyndsey Friedens, PA
4 years ago
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Oct. 1st, 2021
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Patricia Foss Saint Peters, MO
4 years ago
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Oct. 1st, 2021
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Quinton
3 years ago
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Aug. 31st, 2022
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Zachery
3 years ago
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Aug. 23rd, 2022
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Brittany McCormick Upper Marlboro, MD
4 years ago
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Sep. 27th, 2021
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Anastasia Nava-Montoya San Jose, CA
4 years ago
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Oct. 1st, 2021
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Nelson Milton Decatur, GA
4 years ago
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Oct. 1st, 2021
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Charles M Johnson Lansdale, PA
4 years ago
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Aug. 3rd, 2021
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Keith Fisher Twelve Mile, IN
4 years ago
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Aug. 2nd, 2021
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Alan Arthur Hudson, FL
4 years ago
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Aug. 2nd, 2021
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Berttina Baltimore, MD
4 years ago
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Jun. 8th, 2021
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Max Fontus Cypress, TX
4 years ago
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Jun. 8th, 2021
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Bev Carter
1 year ago Edited November 11, 2024
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Rose Wasik Berwyn, IL
3 years ago
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Sep. 8th, 2022
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Keisha
3 years ago
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Sep. 1st, 2022
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Mackenzie Hess Abilene, KS
3 years ago
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Mar. 26th, 2022
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Adrienne Valade Anaheim, CA
3 years ago
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Dec. 8th, 2021
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Preston Porter Randolph, MA
3 years ago
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Dec. 8th, 2021
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David L Jenkins Bridgeville, DE
4 years ago
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Dec. 1st, 2021
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Kerri Z Sarasota, FL
4 years ago
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Oct. 25th, 2021
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Melonie Fayetteville, NC
4 years ago
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Oct. 25th, 2021
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Garry L Brooks Milwaukee, WI
4 years ago
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Oct. 25th, 2021
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MARVIN ROBERT KAY Clarkston, MI
4 years ago
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Oct. 25th, 2021
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Regina Shaw East Saint Louis, IL
4 years ago
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Sep. 27th, 2021
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Jason Shepard Frostproof, FL
4 years ago
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Oct. 1st, 2021
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Tony Luong Seattle, WA
4 years ago
Reply from AUTOPAY
Oct. 23rd, 2021
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