8.3
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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Tanya Guerrero Santa Ana, CA
2 years ago
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Jun. 2nd, 2021
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Kenyon Brittain Red Oak, IA
2 years ago
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Jun. 2nd, 2021
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Jonathan Delgado Fulshear, TX
2 years ago
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Jun. 8th, 2021
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Angel madison Princeton, FL
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Lawrence farist Ellijay, GA
2 years ago
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Jun. 16th, 2021
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Rick Rossner Exeter, CA
2 years ago
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Jun. 16th, 2021
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Tramaine Moore Orlando, FL
2 years ago
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Jun. 16th, 2021
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William Miles McDonald, PA
2 years ago
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Jun. 16th, 2021
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Edgar Sandoval San Antonio, TX
2 years ago
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Jun. 23rd, 2021
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Gregory Barron Dallas, GA
2 years ago
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Jun. 23rd, 2021
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Bonnie Ehman Carmel, IN
2 years ago
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Aug. 6th, 2021
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Gilberto Edcouch, TX
2 years ago
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Aug. 6th, 2021
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Scynthia L Washington Court House, OH
2 years ago
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Aug. 6th, 2021
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JULIE ANNE SORENSEN Riverside, CA
2 years ago
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Aug. 6th, 2021
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Carrie Kohler Lomira, WI
2 years ago
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2 years ago
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Aug. 5th, 2021
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Justin parker Ocala, FL
2 years ago
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Aug. 5th, 2021
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Kenisha Smith Camden, NJ
2 years ago
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Aug. 4th, 2021
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Jerome Newmy Jr. Blytheville, AR
2 years ago
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Aug. 4th, 2021
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Andrew F Frost Winterville, GA
2 years ago
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Oct. 22nd, 2021
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Connie Lake Mary, FL
2 years ago
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Barbara Race Pinellas Park, FL
2 years ago
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Oct. 22nd, 2021
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Samantha Albuquerque, NM
2 years ago
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Andrew F Frost Winterville, GA
2 years ago
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Oct. 22nd, 2021
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Zach Rodgers
2 years ago
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Oct. 22nd, 2021
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Brian Tynan Dayton, OH
2 years ago
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Oct. 5th, 2021
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Jaime Benner Clemons Rodman, NY
2 years ago
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Oct. 23rd, 2021
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JayLynn Scott South Bend, IN
2 years ago
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Oct. 23rd, 2021
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Susanne. Jefferson Fort Wayne, IN
2 years ago
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Oct. 23rd, 2021
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Zach Louisville, KY
2 years ago
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Sep. 1st, 2021
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Patricia Herron Columbus, OH
1 year ago
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Oct. 25th, 2021
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Rosa Jacksonville, FL
1 year ago
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Oct. 25th, 2021
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Nicholas Schober Olathe, KS
1 year ago
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Oct. 25th, 2021
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Kaitlyn B Irving, TX
1 year ago
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Oct. 26th, 2021
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Donielle Brown Newburgh, NY
1 year ago
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Oct. 25th, 2021
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Mark Waters Albany, OR
1 year ago
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Nov. 2nd, 2021
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Linda L Brown Charlotte, NC
1 year ago
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Mar. 24th, 2022
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Chris Beaver, UT
1 year ago
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Mar. 24th, 2022
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William schindel Kansas City, KS
1 year ago
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May. 13th, 2022
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Heather Honeoye, NY
1 year ago
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May. 25th, 2022
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Liz Drake Monessen, PA
1 year ago
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Jun. 16th, 2022
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Lance Busch Grand Prairie, TX
1 year ago
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Sep. 8th, 2022
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Jason Reis Fostoria, OH
1 year ago
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Sep. 15th, 2022
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