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Auto Approve


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25 User Reviews


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Auto Approve is an online refinancing company that boasts simplifying the refinance process making it faster and easier for consumers to find an auto refinance option that works for them. The company specializes in vehicle refinancing and is an excellent resource for anyone looking to get out of a high-interest auto loan, as the company connects you with multiple lenders in its network, allowing you to find the best refinancing option for your car loan. By refinancing your vehicle with Auto Approve, you can get a lower interest rate on your loan and lower your monthly payment, saving you more money.

Auto Approve prides itself on providing excellent and personalized customer service. Every client is assigned an individual loan consultant who is there to help you find the best refinancing solution and answer any questions.

Continue reading for pros and cons, and Auto Approve reviews from real customers.


The Good

  • Free Quote
  • No Application Fee
  • Get Refinanced in 3 Easy Steps
  • Multiple Lenders
  • Assigned Loan Consultant
  • Refinances More Than Cars
  • Secure Information
  • Positive Customer Reviews

Free Quote

Consumers can get a free quote from Auto Approve. While free quotes are nothing new in the industry, Auto Approve does not require you to provide a social security number. Most lending companies need users to enter their social security number on the initial application to run a credit check and see your credit report. 

Filling out the online quote form is simple and should only take a few minutes. Users will need to enter their name, birth date, phone number, email, address, estimated credit score, vehicle details, and employment status. From this information, Auto Approve will generate a list of loans that you qualify for. However, if you're on the fence or unsure about which loan to choose, just remember you can ask your assigned loan consultant for more information or help. 

No Application Fee

Auto Approve does not charge an application fee. Additionally, you can get a free quote and completing your refinance doesn't require any out of pocket expenses. 

Keep in mind though, that once you choose to move forward with the refinancing process, you will have to pay for the cost of refinancing your auto loan which includes admin/doc fees, title transfer fees, state fees (if applicable), and the cost of any extra service you choose to add (GAP, extended warranty, and other optional service plans). 

Get Refinanced in 3 Easy Steps

Auto Approve has made it so most people can get their auto loan refinanced in just three easy steps. The first step is to fill out the online form and receive a free quote. The next step is to work with your loan consultant to pick the best lender, rate, and optional service plans. Auto Approve makes the last step a breeze by getting you approved, delivering your complete loan package, and paying off your high interest loan. Plus, the company will even take care of all the DMV paperwork. Overall, the approval process is quick and easy, which could save you more time and money.

Multiple Lenders

When you submit an application with Auto Approve, you will be provided multiple lending options from its network. Because Auto Approve is not a direct lender, there is a greater chance of approval for borrowers of all credit levels. Generally, direct lenders will require a high minimum credit score for refinancing loans, but as a lending marketplace, Auto Approve provides multiple options, allowing the borrower to pick the best lending partner based on their financial circumstances and needs. In addition, subprime borrowers may have an increased chance of approval.

Assigned Loan Consultant

Auto Approve prides itself on a personalized approach to auto refinancing, and assigns each customer a dedicated loan consultant that will help find the best refinancing rates and terms. If you have questions or concerns throughout any part of the auto refinancing process, your consultant will be there to answer questions and guide you through the loan process.

Refinances More Than Cars

Auto Approve refinances more than cars; you can refinance the following:

  • ATVs
  • Boats
  • RVs
  • Motorcycles
  • SUVs
  • Trucks

Auto Approve does not refinance commercial vehicles or heavy equipment machinery.

Secure Information

Anyone working with Auto Approve can rest easy knowing that the company only works with credible lending partners who use up-to-date data security software. Thus, your personal information will be protected and you can find further assurance in the fact that Auto Approve does not sell, rent, or lease its customer lists to third parties.

Positive Customer Reviews

It is important to note that Auto Approve reviews are currently limited, but the majority of reviews are positive, highlighting the quick and easy application process, as well as excellent customer service.

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The Bad

  • No Refinancing for Commercial Vehicles

No Refinancing for Commercial Vehicles

At this time, Auto Approve does not refinance commercial vehicles or heavy equipment machinery. Also, Auto Approve cannot refinance a vehicle under a company’s name.


The Bottom Line

Auto Approve is a fantastic option for anyone looking to get out of a high interest loan. The company makes it super easy to refinance your existing auto loan at a lower rate with lower monthly payments. 

Auto Approve prides itself on superior customer service, as all customers are assigned a personal loan consultant who is there throughout the entire process. Additionally, Auto Approve has a lender network consisting of banks, finance companies, and credit unions that span the United States. Although the company does not refinance commercial vehicles or heavy equipment machinery, it does refinance SUVs, trucks, ATVs, boats, motorcycles, and RVs. 

Of the reviews that we currently have, customer have been pleased with their experience and would recommend Auto Approve for any auto refinance loan needs.

*APR and Fees Disclosure: Auto Approve works with lenders to find you the best Annual Percentage Rate (APR), which is based on factors like your credit history, vehicle and desired payment terms. Fees to complete your loan refinance vary by state and lender; they generally include admin fees, doc fees, DMV and title. Advertised 1.9% APR based on: 2018 model year or newer vehicle, 730 minimum FICO credit score, and loan term up to 72 months. All loans subject to credit and lender approval.

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Jim Mules Elkridge, MD

Communication at first was good but what was needed to approve was not explained very well I went to inspection station 3 times and received the same piece of paper to send. Then I’m still waiting so I can get my tags. Still need that.

1 year ago

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Reply from Auto Approve

Thank you for your feedback and the opportunity to address your concerns. First, congratulations on your refinanced auto loan! Auto Approve prides itself on excellent customer service and information and we are sorry you felt your experience did not meet our high standards. After thoroughly researching your account, we can confirm that there was confusion from the state DMV on the needed form required to complete your refinance and title related paperwork. The way the process works is, once all items to complete the refinance are received, we will send a payoff check to your original lender. That lender will then process the request, on their timeline with their procedures, sending the title, lien release paperwork, etc. to our team. Once that occurs, all required items are sent to the state or local jurisdiction, which is determined by the laws of that state, for the title and registration to be completed. At this stage, the payoff check to your previous creditor has been sent and we are awaiting the title and documentation from them. This process can take an extended period of time due to delays and backlogs with the DMV’s and lenders due to the continued pandemic and related office closures. We are sorry if there was any confusion regarding the titling portion of your refinancing process but we do hope this clears up any remaining questions. Thank you for refinancing with Auto Approve!

Aug. 5th, 2020

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