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AUTOPAY

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8.3

Overall Score

LAST UPDATED: September 28th, 2023

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

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Highlight: AUTOPAY rates and terms

  • Rates — as low as 1.99%
  • Minimum income requirement — $2,000 per month ($24,000 annually)
  • Minimum credit score — 600
  • Loan amounts — $2,500–$100,000
  • Loan terms — 24–84 months
  • No Social Security needed for prequalification
  • Loan offers are good for 30 days

Continue reading for a full review of this auto refinance company, or jump down to Autopay reviews.

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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.

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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. 

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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.

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1,761 Reviews

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Michael R McGuire Hamilton, OH

Failed to keep me informed of the process of my loan. I was told I was approved for a redo then it would've days several days before I heard from them again then the terms would change. In the end I was satisfied but there was a REAL communication problem.

2 years ago

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Reply from AUTOPAY

Michael, Thank you for your feedback. We will follow up internally and make sure we cover any issues that may have come up. We value all feedback and learn from each issue! Cheers, AUTOPAY!

Jun. 2nd, 2021

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Oscar R Ramirez Upland, CA

Did not tell me about renewing the registration till it went to the lender

2 years ago

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Reply from AUTOPAY

Oscar, we are sorry for the lapse in communication during your refinance process. We appreciate the candid feedback and will make sure to follow up with your specialist.

Jun. 2nd, 2021

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George Petaluma, CA

Representatives were not easily accessible

2 years ago

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Reply from AUTOPAY

George, Thank you for your feedback.

Jun. 8th, 2021

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George Philadelphia, PA

They found me a great rate but the agent I was dealing with either quit or was fired and nobody reached out to me for days afterwards. After I reached out they acted like he was on vacation and business as usual. Also they attempted some shady sales techniques on me where they include extended warranty into my refinancing without ever saying it was optional raising my monthtly payment significantly... You can't reject something you are not asked about, right... I had to specifically stop the agent and ask about these "wonderful benefits that are included in the refinancing", as she said.

2 years ago

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Reply from AUTOPAY

George, This is not how our staff are trained. We are terribly sorry about your experience and our escalations team would be happy to speak with you and gather some data to further train our staff. Please feel free to reach out to our team at 8442905731 . Thank you, AUTOPAY!

Jun. 8th, 2021

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Carol Manning Tallapoosa, MO

I was extremely happy with the company n the rep asa long as we were wkg on getting a loan but as soon as the loan was signed n sealed its like our rep dropped off the face of the earth. I reached oua few times through txt n called but was never answered. We were just left hanging n i do appreciate that.

2 years ago

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Reply from AUTOPAY

Carol, We strive to give the best customer service in the business. We obviously failed here. Please feel free to reach out to our escalations team for any follow up you may have. 8442905731

Jun. 8th, 2021

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Jovan Jones Durham, NC

Rep sometimes took a while to respond. Process took a while because of that

2 years ago

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Reply from AUTOPAY

Jovan, We appreciate your business! Cheers, AUTOPAY!

Jun. 15th, 2021

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Mason Flint, MI

I had to send documents multiple times that I had already sent.

2 years ago

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Reply from AUTOPAY

Mason, Thank you for your feedback. We appreciate your business.

Jun. 15th, 2021

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Susan . Mesa, AZ

They got the job done, but it took a long time. And my interest rate ended up being higher than they first said.

2 years ago

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Reply from AUTOPAY

Susan, Thank you for choosing AUTOPAY for your refinance needs!

Jun. 15th, 2021

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Diana Stallone Savage, MN

They were slow and it was frustrating when you needed information from them. If asked if they got everything they would just send send you a lust of everything they needed again

2 years ago

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Reply from AUTOPAY

Diana, We are sorry your experience fell short of our expectations. We strive to have the best service around. We will use your feedback in our next leadership meeting and attempt to improve our processes. Thank you! AUTOPAY

Jun. 23rd, 2021

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Arsenio Hinojosa Altamonte Springs, FL

Confusing process and lack of clarity up to this date since I stil don't know how will I make my car payment

2 years ago

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Reply from AUTOPAY

Hello Arsenio, We are sorry for any confusion! We would love to clear things up with you and get you the information you still need. Please call us at your convenience at 844-290-5731

Aug. 2nd, 2021

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Belinda Iris Itson Cullman, AL

My new loan has been set up and payable. But my old loan has not been paid off. Both are open on my credit report. Not happy. I was told the check was sent and signed for days ago.

2 years ago

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Reply from AUTOPAY

Hello Belinda, we are so sorry to hear about the delay on this. I do see that the payoff to your original lender did clear the banks. Please call our escalation line at 844-290-5731 for more information to resolve this.

Aug. 2nd, 2021

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Frank Piper Broomfield, CO

Everything was going great until it was time for funding, was told I didn't need to make a payment for June but it took over a month so my payment was late from my old company.

2 years ago

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Reply from AUTOPAY

Hello Frank, we would like to apologize for the experience you had and thank you for sharing it with us. We would like to help you get this resolved so if you could please call our escalations department at 844-290-5731 at your convenience, we can assist you with this.

Aug. 6th, 2021

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G. Brito Miami, FL

It took too long to get things going and the loan funded

2 years ago

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Reply from AUTOPAY

Thank you for sharing your feedback and we apologize for the delays with your refinance. If there is anything we can clear up or if you would like to elaborate on your feedback, please call us at 844-290-5731 when you are ready.

Aug. 6th, 2021

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Guillermo Solís Clifton, NJ

Took too long to get loan approved. Had to call and check on my status then was told additional info was needed.

2 years ago

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Reply from AUTOPAY

Hello Guillermo, we apologize for any delay with your application. If you would like to share more about your experience please call us at 844-290-5731.

Aug. 6th, 2021

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Kristin Bellflower, CA

They promised me a fast loan, supposedly it's still in the works. They told me that I wouldn't have to make a payment for 2 months and then my current loan called and I'm late and it might ruin my credit, they should have told me that!

2 years ago

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Reply from AUTOPAY

Hello Kristin, thank you for sharing and we apologize for the confusion. If you would like to discuss the matter, we would be happy to help you resolve this. Please call us at 844-290-5731 when you are ready.

Aug. 6th, 2021

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Michael Murphy Lake Forest, CA

The refinance was nice and easy for the most part, but they're not very responsive when trying to contact them. In fact I've left several messages over the past couple weeks and still have not heard back.

2 years ago

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Reply from AUTOPAY

Hello Michael, thank you for your feedback. We apologize for any delays in the communication you may have experienced during the refinancing of your vehicle. We strive to give our customers an excellent experience. If you still need any information please call us at 844-290-5731 when you are ready and we will be happy to help.

Aug. 6th, 2021

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Zacharias Pacheco Cheyenne, WY

They have helped, but they do not keep you informed on anything going on in a timely fashon. I had to call twice and now a third time to check on the status of my account. Taken over a month so far to refinace my car....

2 years ago

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Reply from AUTOPAY

Hello Zacharias, Thank you for your feedback. We apologize for any delays or miscommunication you may have experienced during the refinancing of your vehicle. We always strive to give our customers an efficient experience at AUTOPAY. If you wish to provide additional feedback about your experience you may call us at 844-290-5731 when you are ready.

Aug. 6th, 2021

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M Gene Woolard Kinston, NC

Not accepting common insurance documents known industry wide made processing of this loan slow and irritating.

2 years ago

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Reply from AUTOPAY

Hello Melvin, We apologize for any delays you experienced with your loan process and any difficulties experienced during the documentation process. We at AUTOPAY strive to make our experience with our customers expedient and pleasant. We would be happy to address any further questions or concerns you may have if you wish to call us at 844-290-5731.

Aug. 6th, 2021

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Angela Memmel Grafton, WI

Took a lot longer than expected and had to pay more interest because it took so long

2 years ago

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Reply from AUTOPAY

Hello Angela, We apologize for the delay, thank you for sharing your experience. If you could please give us a call when you are ready at 844-290-5731 we will be more than happy to assist you to make sure everything is in order for you.

Aug. 6th, 2021

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Chris Seelig Fontana, CA

Great they found a loan. But the back and forth asking for documents I already sent sucked.

2 years ago

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Reply from AUTOPAY

Hello Chris, Thank you for working with us and sharing your experience. We are excited to have found you a better rate and would like to apologize for the inconvenience with the documents. If you would like to share more about your experience please call us at 844-290-5731.

Aug. 6th, 2021

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Bryan Fisher Grand Prairie, TX

Helpful with the success of my refinance. Good help with the process of finding a better deal.

2 years ago

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Reply from AUTOPAY

Great! Thank you for sharing and working with us Bryan!

Aug. 3rd, 2021

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Angel Baray Rialto, CA

Process took a bit long but over all service was good

2 years ago

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Reply from AUTOPAY

Thank you for sharing Angel! We will continue to work on this! Thank you for working with AUTOPAY!

Aug. 3rd, 2021

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W Kelley Smithville, MO

When I declined the warranty add on communication went completely away. Left message via text and voice no response

2 years ago

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Reply from AUTOPAY

Thank you for sharing your experience. We apologize, as this is not the experience we strive for here at AUTOPAY. If you wish, we would be more than happy to address your questions or concerns. Please call us at 844-290-5731 when you are ready.

Aug. 5th, 2021

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Robert smith/ Cynthia nigro Deltona, FL

It's taken a month to get approved.and still not sure it is.because of them I have a 500.00 to old loan that came out today and there new loan charging me 350.00 on the 14 th

2 years ago

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Reply from AUTOPAY

Thank you for sharing your feedback Robert & Cynthia. This is not at all the experience we strive for, and we are terribly sorry. We would like to take the time to address your feedback, please call us at 844-290-5731 to discuss.

Oct. 1st, 2021

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Monument of deliverance church Po box 186 Hayti, MO

It took almost 2 months to get it done, several mistakes were madeb

2 years ago

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Reply from AUTOPAY

Hello! Thank you for posting a review and feedback. We’re sorry to hear that your experience did not meet our standards. We would like the opportunity to talk and investigate. If you wish to discuss please call us at 844-209-5731

Oct. 20th, 2021

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Erik Ciccarello Newington, CT

Communication was poor to start, but improved. Also process took much longer than agent said it would.

2 years ago

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Reply from AUTOPAY

Erik, Thank you for letting us know about this. Your feedback helps us do better. The process can take some time, however, we apologize for the delays you experienced. Sadly, we can’t fix the past, we will work to improve in this regard.

Oct. 20th, 2021

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Haley Mills Saint Augustine, FL

I rated them that way because yes they did get me a lower payment for my car but I have yet to hear back from them to see what's going on with it the response time is lacking

2 years ago

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Reply from AUTOPAY

Haley, Thank you so much for the feedback! This is not the experience we strive for, We apologize for any issues with communication. If you still need any information please call us at 844-290-5731.

Oct. 1st, 2021

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Meghan Berthold Fort Worth, TX

Took nearly 2 months to process…… rep was nice but process took longer than expected

2 years ago

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Reply from AUTOPAY

Meghan, I'm so sorry to hear that your deal took so long! Most deals wrap up in only a fraction of this time, so I'd love to research this further for you. Do you mind giving our customer success team a call at 844-290-5731? We're looking forward to hearing from you.

Oct. 22nd, 2021

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NORRIS D PHILLIPS Cleveland, OH

slow response to questions and concerns from loan specialist

2 years ago

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Reply from AUTOPAY

Norris, This is not the experience we strive for, We apologize for any issues with communication. Thank you so much for the feedback, We will work on this!

Oct. 1st, 2021

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Lyle Rhoten Omaha, NE

Because things with the process are not complete.. Have not received info from me lender and my current loan is not paid off yet and I'm approaching my next payment.

2 years ago

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Reply from AUTOPAY

Thank you for sharing with us Lyle! This is not at all the experience we strive for, we would like to apologize. Please reach out to us at 844-290-5731 so that we can help resolve this.

Oct. 1st, 2021

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Steve Monroe, WI

I had to fill out application twice. I ran into problems with the Documents part

2 years ago

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Reply from AUTOPAY

Thank you for sharing with us Steve! We are sorry to hear about the application issues! Thank you for continuing to work with us!

Oct. 1st, 2021

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K Phelps Tucson, AZ

Very difficult to talk to anyone about the status of your loan. You can tell that the person you are "talking" to is busy doing something else and only half listening!

2 years ago

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Reply from AUTOPAY

Hello K! Thank you for bringing this to our attention. We set a high standard for ourselves, and we’re so sorry to hear this was not met. We would like the opportunity to investigate further. Please could you contact us at 844-290-5731

Oct. 20th, 2021

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Jennifer Britt North East, PA

Refinancing paperwork felt never ending. My loan officer was only available a few days a week. The whole thing took a month to finalize.

2 years ago

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Reply from AUTOPAY

This is not the experience we strive for! We apologize for any delays and issues with your refinance. We will work on improving this! Thank you so much for the feedback, Jennifer!

Oct. 1st, 2021

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Dawn Abernathy North Charleston, SC

They were great except that the process took nearly a month and my credit report was pulled twice.

2 years ago

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Reply from AUTOPAY

Hi Dawn, thanks for the feedback! Reviews like this are instrumental in improving as a company. I'm very sorry that your deal took longer than usual; we'll be looking into why this may have happened. Would you mind calling us at 844-290-5731? We would also like to discuss the credit inquires.

Oct. 23rd, 2021

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Francisco hernanadez Chicago, IL

Because I received a letter saying they can bring the payment down to 419 a month but didn’t

2 years ago

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Reply from AUTOPAY

Francisco, Those were pre-qualification estimated offers based on the limited information we had at the time and the official terms come directly from the lender once approved. We apologize for any confusion or misunderstanding. If you would like more information please call us at 844-290-5731. Thank you for sharing your feedback with us!

Oct. 1st, 2021

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Ian T Audesirk Philadelphia, PA

Got me a better rate for sure, didn't expect my credit to be ran so many times. Took way longer than expected to previous loan funded

2 years ago

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Reply from AUTOPAY

Hi Ian, I'm so sorry to hear that your loan took longer than expected, with more credit pulls than expected. If you'd like to discuss this, we'd love to hear from you! Please give us a call at 844-290-5731.

Oct. 23rd, 2021

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Leonel E Morales Homestead, FL

Need to have more communication with the customer.

2 years ago

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Reply from AUTOPAY

Thank you so much for the feedback, Leonel! This is not the experience we strive for, We apologize for any issues with communication. We will work on this!

Oct. 1st, 2021

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Christy Alberts Green Bay, WI

I signed the paperwork about a month ago. Payoff was good until the 14th, it is now the 17th and payoff still hasn’t been received…at this point I’m lost!

2 years ago

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Reply from AUTOPAY

Christy, we apologize for the delay, this is not the experience we strive for. Please reach out to us at 844-290-5731 to resolve this, and answer any additional questions/concerns.

Oct. 1st, 2021

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Joseph Mayerhoff Monsey, NY

Everything seemed to go along fine. The process was easy and the representative I dealt with was very help and maintained communication with me throughout the process. To my surprise, although they lowered my rate by 12 percent, the balance due on my loan is now more than a thousand dollars higher than it was before. And I am not sure but I may have lost my extended warranty. I don't think I would have refinanced had I known. They did lower my monthly payment but extended the term of the loan.

2 years ago

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Reply from AUTOPAY

Thank you for your feedback, Joseph. We would like to discuss this with you. Any previous coverages should now be paid in full and still valid until the expiration dates. Please calls us at 844-290-5731

Oct. 1st, 2021

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Kym Mable East Corinth, VT

The auto refinance took longer than expected to process.

2 years ago

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Reply from AUTOPAY

Thank you for sharing your feedback, Kym! We apologize for any delays during your refinance! We will continue to strive to improve the process. Thank you for working with us!

Oct. 1st, 2021

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Dave Hauser Milton, FL

High interest rate than quoted otherwise happy with the refinance. But need to be more truthful. It still is a better interest rate than prior loan.

2 years ago

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Reply from AUTOPAY

Thank you for sharing your feedback, Dave! Those were pre-qualification estimated offers based on the limited information we had at the time and the official rates come directly from the lender once approved. We apologize for any confusion or misunderstanding. If you would like more information please call us at 844-290-5731

Oct. 1st, 2021

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Norisbel Madera Brick, NJ

Timing and how they handled paperwork and ran credit a 2nd time without my approval

2 years ago

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Reply from AUTOPAY

Norisbel, I'm sorry to hear that we weren't as quick as we could have been. Deals usually don't take long, but sometimes they get delayed. If you'd like to discuss this, please give us a call at 844-290-5731. Getting more details on this will be a great help to our continued improvement.

Oct. 23rd, 2021

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Thyresha Johnson Cleveland, OH

Good service took awhile it was back and forth for a min but once it was done everything came together

2 years ago

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Reply from AUTOPAY

Thank you for sharing your feedback, Thyresha! We apologize for any issues we will use your feedback to work on creating a smoother process.

Oct. 1st, 2021

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Michael Askew Centreville, VA

Autopay delayed payoff of my car a month and my credit score was impacted.

2 years ago

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Reply from AUTOPAY

Hi Michael, I'm so sorry to hear about this delay. Delays this long are very rare, so I'd still like to research this and find out what went wrong and why. Do you mind giving me a call at 844-290-5731 so that we can help with a resolution?

Oct. 23rd, 2021

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Paul Rania Hollister, CA

Good company at finding you loans, but once they think they did enough, they treat you like an old pair of shoes and throw you to the side real fast. No follow up once you sign new contract. Or at least the guy that helped me.

2 years ago

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Reply from AUTOPAY

Paul, This is not at all the experience we strive for, and we are terribly sorry. Thank you for sharing your feedback so we can correct this! If you still have any questions please reach out to the escalations department at 844-290-5731.

Oct. 1st, 2021

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Kalee Touhy Calhoun, GA

I would say a 5 but now a 3 I was told I would I have a month off before my payment was due and I didn't I tried to contact them to ask about it and was never answered

2 years ago

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Reply from AUTOPAY

Thank you for sharing your feedback with us, Kalee! We would like to apologize for any confusion. The first payment date is set during contracting. Since there was a delay you should be getting any over-payment back from your lender. We will strive to make this more clear in the future and apologize again for the confusion. If you have any questions or would like more information please call us at 844-290-5731.

Oct. 1st, 2021

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Michael Sulphur Springs, TX

Loan officer was extremely hard to contact after loan process was started.

2 years ago

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Reply from AUTOPAY

Michael, we are sorry to hear about this! Thank you for making us aware so we can improve. We would be delighted to discuss and investigate. If you wish to speak with us on this you can reach our escalations team at 844-290-5731.

Sep. 24th, 2021

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W. Schmidt Kingstree, SC

First time interacting with them so I can only go by first impression, which was overall "good". I was satisfied with them.

1 year ago

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Reply from AUTOPAY

Hi W., thanks for your review and your business! I'm glad we were able to help you this time, but if there's anything we could have done better, we'd love to hear from you. Please give our customer success team if there's anything you'd like to discuss. Our number is 844-290-5731.

Oct. 25th, 2021

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Carrie fehlberg Jasper, IN

Because I was told by Simon that he would help with with what steps I need to do to cancel my extended warranty with my other bank since I have an extended warranty with you. He has been ingoring my emails. I work in customer service and that is NOT how you treat customers. Especially when you were told that you were going to help them later. If I would of know I was going to be treated that was I would of went with a different finance company.

1 year ago

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Reply from AUTOPAY

Hi Carrie, I'm so sorry to hear that you lost contact with your loan specialist; we'll be researching this and following up with them to make sure this doesn't happen again. If there's anything you need, or anything we can help with, please give us a call at 844-290-5731. Thank you for your review!

Oct. 25th, 2021

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Cole Kosnick Madison, WI

The rep did a great job of following up with me when he needed something from me, not so great when I needed something from him. Also, didn't even talk about the AutoPay fee which seems sleazy.

1 year ago

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Reply from AUTOPAY

Hi Cole, I'm so sorry the document fee came as a surprise. We always aim for complete transparency in the process, so we'd like to research this further. Do you mind giving us a call so we can hear more about your experience? Our number is 844-290-5731, and we hope to hear from you soon.

Oct. 25th, 2021