7.6
Overall Score
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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Linard B Feaster Richmond, TX
3 years ago
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Jul. 15th, 2021
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Marlon Valente
3 weeks ago
Jonny Shaw
4 days ago
Luke Winters
1 week ago
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Bev Carter
2 months ago Edited November 11, 2024
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Julie Buser Augusta, GA
2 years ago
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Sep. 8th, 2022
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Stephen
2 years ago
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Sep. 3rd, 2022
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Kaitlyn
2 years ago
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Sep. 3rd, 2022
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Michael
2 years ago
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Aug. 31st, 2022
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Amanda
2 years ago
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Aug. 30th, 2022
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Miriah
2 years ago
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May. 31st, 2022
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Christopher A Banks Fishers, IN
2 years ago
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Dec. 10th, 2021
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Will Lippolis
1 month ago
RDM
1 month ago
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Tommy
2 years ago
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Sep. 3rd, 2022
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Jonathan Tampa, FL
2 years ago Edited January 10, 2024
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Sep. 1st, 2022
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Vincent
2 years ago
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Sep. 1st, 2022
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Olivia J Harlow Morganton, NC
2 years ago
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Mar. 26th, 2022
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Sabrina Silva Caruthers, CA
2 years ago
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Mar. 17th, 2022
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Edward Garland, TX
3 years ago
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Oct. 25th, 2021
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Colette Mesa, AZ
3 years ago
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Sep. 24th, 2021
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Gerald Glenn Fort Worth, TX
3 years ago
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Jun. 15th, 2021
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Shawn Miller Auburn, WA
3 years ago Edited September 14, 2021
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Jun. 8th, 2021
Verified Customer
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David Corpus Christi, TX
3 years ago
Reply from AUTOPAY
Jun. 2nd, 2021
Karen
1 month ago
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Hng6800
2 months ago
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Sep. 20th, 2024
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Carolina Magana
2 months ago
Stephen Walker
2 months ago
Chris McCarthy
5 months ago
Verified Customer
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Vincent Napoletano Toms River, NJ
2 years ago
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Sep. 23rd, 2022
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Deborah Raleigh, NC
2 years ago
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Sep. 23rd, 2022
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Keith
2 years ago
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Sep. 3rd, 2022
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Derek
2 years ago
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Sep. 1st, 2022
Verified Customer
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Nickolas
2 years ago
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Sep. 1st, 2022
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Charles
2 years ago
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Sep. 1st, 2022
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Ashley
2 years ago
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Sep. 1st, 2022
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Kenneth
2 years ago
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Aug. 31st, 2022
Verified Customer
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Tamikia
2 years ago
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Aug. 31st, 2022
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Michael
2 years ago
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Aug. 30th, 2022
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Jonathan
2 years ago
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Aug. 30th, 2022
Verified Customer
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Candita
2 years ago
Reply from AUTOPAY
Aug. 23rd, 2022
Verified Customer
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Kurtis Loveland, CO
2 years ago Edited January 10, 2024
Reply from AUTOPAY
Aug. 23rd, 2022
Verified Customer
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Briana Odaniel Yuba City, CA
2 years ago
Reply from AUTOPAY
Jul. 7th, 2022
Verified Customer
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Stephanie Shoemaker Spokane, WA
2 years ago
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Jun. 23rd, 2022
Verified Customer
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Crystal Williams Fayetteville, NC
2 years ago
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Jun. 17th, 2022
Verified Customer
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Candy Lea McDonald Ardmore, OK
2 years ago
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Jun. 3rd, 2022
Verified Customer
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Amber
2 years ago
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May. 31st, 2022
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Elijah
2 years ago
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May. 31st, 2022
Verified Customer
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Earl
2 years ago
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May. 31st, 2022
Verified Customer
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Daniela
2 years ago
Reply from AUTOPAY
May. 31st, 2022
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