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AUTOPAY provides direct-to-consumer financing and refinancing for individuals looking for the best financing terms and a no-hassle transaction.

Here's what you need to know about refinancing with AUTOPAY:

  • Minimum requirement for income is $2,000 per month ($24,000 annually)
  • Minimum credit score is 600
  • Loan amounts from $2,500–$100,000
  • Loan terms from 24–84 months
  • No Social Security needed for prequalification
  • Loan offers are good for 30 days

Offering competitive interest rates as low as 1.99 percent APR, AUTOPAY is a good option for auto loan refinancing. 

Continue reading for a full review of this auto refinance company.


The Good

  • Multiple Refinancing Options
  • Get Rates Instantly
  • Low Minimum Credit Score
  • Prequalify with no Impact to Your Credit Score

Multiple Refinancing Options

AUTOPAY offers multiple types of refinancing:

  • Traditional refinancing — lower your interest rate, reduce your monthly payment, shorten the length of your loan, and find a lender that better fits your needs
  • Cash back refinancing — get as much as $12,000 cash back and use funds to pay high interest debt
  • Lease payoff refinancing — keep a car you are currently leasing at the end of your term and even pay off the lease early

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.

Get Rates Instantly

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. 

Low Minimum Credit Score

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.

Prequalify with no Impact to Your Credit Score

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.


The Bad

  • Not a Direct Lender
  • No Refund Policy

Not a Direct Lender

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.

No Refund Policy

AUTOPAY has a no refund policy. Don't expect any refunds to be provided for payments made to your AUTOPAY account. 


The Bottom Line

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.

View Best Auto Refinance Companies

There are currently no AUTOPAY reviews. If you have refinanced your vehicle through this auto refinance company, please tell us about your experience by leaving a review.

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