Best Company guarantees your satisfaction if you choose a company that has earned this distinction. If you're not satisfied after 30 days, simply let us know and we'll give you $200. Yes, it's really that simple.

Learn More About Our Guarantee

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.

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.

thumb_up

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.

Visit Site

thumb_down

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.

gavel

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.

Was this content helpful?

thumb_up Yes thumb_down No

Learn More About Our Guarantee

border_color Write a Review

User Reviews

Star Rating

4.5

star star star star star_half

1,761 Reviews

Review Breakdown

5 grade

76%

4 grade

10%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star_half

cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down

check_circle

Verified Customer

star star star star star_border

Domonic Price Glendale, AZ

The loan payment was higher than i was told on the letter

2 years ago

Reply from AUTOPAY

Thank you for your review.

Jun. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

Kim Andrews Parker, CO

The website and application were confusing. When I would log in it kept wanting me to start another application.

2 years ago

Reply from AUTOPAY

Thank you Kim for the feedback. We will have our development team review our application process to see if we can locate any issues that were preventing you from viewing your current application.

Jun. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

Robin T San Diego, CA

2 years ago

Reply from AUTOPAY

Thank you for the feedback Robin! Cheers, AUTOPAY!

Jun. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

Rosie Casillas Bakersfield, CA

They could be more proactive in expectation setting and communication.

2 years ago

Reply from AUTOPAY

Rosie, thank you for the feedback, we agree with you and will work with our teams internally to communicate and set proper expectations.

Jun. 8th, 2021

check_circle

Verified Customer

star star star star star_border

Max Fontus Cypress, TX

The process was easy to follow, but I wish that there was a better communication channel between the officer handling my personal file and the interfacial team at Autopay.

2 years ago

Reply from AUTOPAY

Thank you Max, we will pass along your feedback! We appreciate your business. Cheers, AUTOPAY

Jun. 8th, 2021

check_circle

Verified Customer

star star star star star_border

Matthew Townsend Des Moines, IA

Communication not always clear which made things unclear

2 years ago

Reply from AUTOPAY

Matthew, Outstanding feedback, thank you for choosing AUTOPAY for your refinance needs!

Jun. 8th, 2021

check_circle

Verified Customer

star star star star star_border

Marie Harvey Jacksonville, FL

Was a very easy process. They kept me in the loop as everything was being done

2 years ago

Reply from AUTOPAY

Thank you Marie for your feedback! Cheers, AUTOPAY!

Jun. 8th, 2021

check_circle

Verified Customer

star star star star star_border

Kevin Henderson Baltimore, MD

Professional service, timely response to my questions and any issues that arose in terms of my refinance

2 years ago

Reply from AUTOPAY

Kevin, Thank you for your feedback! Cheers, AUTOPAY

Jun. 8th, 2021

check_circle

Verified Customer

star star star star star_border

Jessi McELmurry Blue Springs, MO

I liked that I could upload everything from my phone!! It was so easy!

2 years ago

Reply from AUTOPAY

Great Feedback! We are working hard to incorporate mobile users!

Jun. 8th, 2021

check_circle

Verified Customer

star star star star star_border

Concerned Customer Young America, MN

Great service but fees weren't discussed until signing by electronic docusign while on the phone very rushed felt is was sneaky.

2 years ago

Reply from AUTOPAY

We appreciate your feedback! We will review this internally and adjust training to make sure all staff are following our best practices.

Jun. 8th, 2021

check_circle

Verified Customer

star star star star star_border

Charlene Chappell Frederica, DE

Always room for improvment however Dane was excellent in his handling of my requests with the loan.

2 years ago

Reply from AUTOPAY

We agree! Thank you for choosing AUTOPAY!

Jun. 8th, 2021

check_circle

Verified Customer

star star star star star_border

Berttina Baltimore, MD

Everything was easy to complete, the reason for the 4 stars is that it takes a while to get the account number to set up your autopay on the new account

2 years ago

Reply from AUTOPAY

Thank you Berttina for your response. We appreciate your business.

Jun. 8th, 2021

check_circle

Verified Customer

star star star star star_border

Alexander Law Ellensburg, WA

Got my interest rate incredibly lower and monthly payments to something I could afford every month. Super please would have given 5 stars if my sales associate would ask for documents in one go, would not always seemed rush and cut off our phone calls/also with my car insurance agent and follow up with me instead of someone else about final approval and status

2 years ago

Reply from AUTOPAY

Alexander, Thank you for taking the time to leave us our review. We value all feedback and will take yours and use it for training!

Jun. 8th, 2021

check_circle

Verified Customer

star star star star star_border

Gregory Service jr Springfield, MO

They got me the loan in a very timely manner and made transition smooth

2 years ago

Reply from AUTOPAY

Gregory, thank you for your response! Cheers!

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Jose ochoa Los Angeles, CA

I required to signed documents 3 times and required to contact my current lender for an extension

2 years ago

Reply from AUTOPAY

Jose, Thank you for your review and for choosing AUTOPAY!

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Judith torres El Paso, TX

Good experience the agent help me get my vehicle refinance

2 years ago

Reply from AUTOPAY

Judith, We appreciate your business! Cheers, AUTOPAY!

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Kayla D Ouellette Woonsocket, RI

Quick response but has taken a while to refinance

2 years ago

Reply from AUTOPAY

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

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Lillie Kansas City, MO

I love Autopay! The customer service wasn't the best at times but my transition to a new lender was still smooth.

2 years ago

Reply from AUTOPAY

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

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Lyn Snyder Burlington, CO

Very helpful representative, easy process

2 years ago

Reply from AUTOPAY

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

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Ray Gassert King Of Prussia, PA

Fairly easy process but could have been a little quicker. The doc fee is a little steep but it was still a good deal overall

2 years ago

Reply from AUTOPAY

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

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Tiffany Graber-West La Vista, NE

They have been friendly and helpful. Just not much more experience with them so far.

2 years ago

Reply from AUTOPAY

Outstanding! Thank you Tiffany!

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Toni L Vadala Syracuse, NY

Overall great, but sometimes, being told one thing only to find out, oh wait, just one more thing...oh, just one more more thing

2 years ago

Reply from AUTOPAY

Toni, Thank you for choosing AUTOPAY! We appreciate the feedback and will use it to improve in the future!

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Tonyia Elliott Burnet, TX

To much back and forth with me instead of checking the title

2 years ago

Reply from AUTOPAY

Thank you for your review! Cheers, AUTOPAY!

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Tonya Rosario Wurtsboro, NY

Process was more time consuming with autopay than with previous lenders.

2 years ago

Reply from AUTOPAY

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

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Esther Urbandale, IA

They worked with me to make sure I understood everything.

2 years ago

Reply from AUTOPAY

Thank you for your review! Cheers, AUTOPAY!

Jun. 15th, 2021

check_circle

Verified Customer

star star star star star_border

Chad Russell Union, KY

Fast and friendly service with answers to my questions

2 years ago

Reply from AUTOPAY

Excellent feedback, Chad! Thank you for choosing AUTOPAY!

Jun. 23rd, 2021

check_circle

Verified Customer

star star star star star_border

gary jones Florissant, MO

The loan process was quick as if they knew the loan was approved

2 years ago

Reply from AUTOPAY

Great feedback, Gary! Thank you for your business. Cheers, AUTOPAY

Jun. 23rd, 2021

check_circle

Verified Customer

star star star star star_border

seth palos Lancaster, PA

Everything went very smooth , all questions were answered, and approval came quick

2 years ago

Reply from AUTOPAY

Speed and efficiency, outstanding feedback, Seth! Thank you for choosing AUTOPAY!

Jun. 23rd, 2021

check_circle

Verified Customer

star star star star star_border

Kia Stanz Philadelphia, PA

2 years ago

Reply from AUTOPAY

Kia, thanks for your honest feedback! We are thankful for your business! AUTOPAY

Jun. 23rd, 2021

check_circle

Verified Customer

star star star star star_border

anthony gonzalez Frisco, TX

professionals throughout the entire process

2 years ago

Reply from AUTOPAY

Thank you for your review!

Jun. 23rd, 2021

check_circle

Verified Customer

star star star star star_border

Alan Arthur Hudson, FL

More communication during the process as to where the process is, would be helpful. Everything went well but information as the process would be helpful

2 years ago

Reply from AUTOPAY

Hello Alan! Thank you for the feedback! We will continue to grow on that! Thank you for working with us!

Aug. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

Angel Rios San Diego, CA

My experience before signing up with autopay but afterwards I didn't get a follow up from an autopay agent.

2 years ago

Reply from AUTOPAY

Hello Angel, We apologize for the inconvenience! Thank you for sharing so we can learn and grow from this! We would love to address any concerns you may have, if you would like to give any further details or if there is any information you still need, please call us at 844-290-5731

Aug. 4th, 2021

check_circle

Verified Customer

star star star star star_border

Angelique Aubin (conn-fab) Jewett City, CT

Took longer than I thought it would to finally get the loan settled

2 years ago

Reply from AUTOPAY

We are sorry about the delay, We will strive to improve here. Thank you for your feedback, Angelique!

Aug. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

Ashley French Charleston, WV

Almost perfect except I could've used a manger to step in sooner when I needed help and it was requested

2 years ago

Reply from AUTOPAY

Hello Ashley, Thank you for sharing your feedback! We will use this to grow. We apologize for the inconvenience and issues. If you would like to discuss this please call us at 844-290-5731

Aug. 4th, 2021

check_circle

Verified Customer

star star star star star_border

Brian R Reese Alpharetta, GA

Cheresa was knowledgeable, friendly, and pleasant to deal with.

2 years ago

Reply from AUTOPAY

Great! Thank you for your feedback Brian!

Jul. 17th, 2021

check_circle

Verified Customer

star star star star star_border

Carla Adams Rockledge, FL

Patient and responsive. Good response time.

2 years ago

Reply from AUTOPAY

Hello Carla, Thank you for your feedback and for working with AUTOPAY!

Aug. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

Chad N Wright Wallace, SC

Good sales person. Good online experience. Good that it is contact less. Easy to turn in required documents.

2 years ago

Reply from AUTOPAY

Thank you for sharing your feedback Chad! We appreciate working with you.

Aug. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

CINDI PICO Madera, CA

Ryan did a very good job on keeping me up to speed of process, helped me get a good rate

2 years ago

Reply from AUTOPAY

Fantastic Cindi! Thank you for your feedback!

Aug. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

Heiner Hilbert Los Alamitos, CA

2 years ago

Reply from AUTOPAY

Amazing! Thank you, Heiner! We are delighted to work with you!

Jul. 17th, 2021

check_circle

Verified Customer

star star star star star_border

Jacqueline Robertson Portland, OR

Autopay allowed me the opportunity to save, and they offered me a great auto maintenance plan.

2 years ago

Reply from AUTOPAY

Outstanding Jacqueline! Thank you for working with AUTOPAY!

Aug. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

Jean-Marcel Commerce City, CO

The prpcess is was very slow. Unnecessary documents request and latency communication.

2 years ago

Reply from AUTOPAY

Jean-Marcel, we are terribly sorry to hear this, we apologize for the inconvenience you experienced. We would love to address any concerns you may have if you would like to give any further details please call us at 844-290-5731

Aug. 4th, 2021

check_circle

Verified Customer

star star star star star_border

Jennifer Murfreesboro, TN

Easy process, nice customer service. Communication could be better. I was asked by 2 different agents for documents that I already submitted and needed to submit twice. I am still unclear about the current payment that was drafted from my previous loan. I was hoping to have everything completed before the draft hit bit it wasn't. I have had to follow up in order to check status of the process. I feel like if I hadn't followed up, it would still be processing.

2 years ago

Reply from AUTOPAY

Hello Jennifer, thank you for sharing your experience. At AUTOPAY we strive for an excellent experience and apologize for falling short. We would be delighted to help clear up any remaining confusion. Please call us at 844-290-5731 when you are ready.

Aug. 6th, 2021

check_circle

Verified Customer

star star star star star_border

Jennifer Dimer Orland Park, IL

Process took a little longer than what was told to me but overall my experience was positive.

2 years ago

Reply from AUTOPAY

We are so sorry for the delays you experienced Jennifer. Thank you for your feedback and for working with AUTOPAY!

Aug. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

Keith Fisher Twelve Mile, IN

I felt like the process helped me to accomplish my goal but it wasn't five stars. I wish the process would have been a little clearer and not taken as long.

2 years ago

Reply from AUTOPAY

Hello Keith, Thank you for providing Your feedback, we will continue to grow in this area. We apologize for any inconvenience and delay.

Aug. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

Michael Littlepage Anchorage, AK

Good customers service & speed to expedite loan

2 years ago

Reply from AUTOPAY

Outstanding Michael, Thank you for sharing your feedback!

Aug. 2nd, 2021

check_circle

Verified Customer

star star star star star_border

Mike Surprise, AZ

Experience was good, my only frustration was the length of time it took to complete. From application to close it was over 6 weeks.

2 years ago

Reply from AUTOPAY

Hello Mike, Thank you for sharing your feedback we do apologize for the delays you experienced. Typically the refinance process does take some time but it appears you encountered a delay. If you would like to discuss these delays with us so we can improve please call us at 844-290-5731

Aug. 4th, 2021

check_circle

Verified Customer

star star star star star_border

Roy Shine Texarkana, TX

Great job finding a good rate. Communication was not prompt.

2 years ago

Reply from AUTOPAY

Roy Thank you for sharing your experience. We are delighted to hear we could find you a better rate and apologize for the communication issues you experienced. We will work to improve in this regard. If you would like to discuss please call us at 844-290-5731Thank you for working with AUTOPAY!

Aug. 4th, 2021

check_circle

Verified Customer

star star star star star_border

Sierra Evans New Lenox, IL

Excellent customer service. I got just what I was asking for. It just took a long time.

2 years ago

Reply from AUTOPAY

We apologize for the delay, and happy to have helped! Thank you for the Feedback Sierra!

Jul. 3rd, 2021

check_circle

Verified Customer

star star star star star_border

Raymond Hughes Platte Center, NE

Did an excellent job in helping me and making sure that they had everything

2 years ago

Reply from AUTOPAY

Great! Thank you for working with AUTOPAY, Raymond!

Aug. 3rd, 2021

check_circle

Verified Customer

star star star star star_border

Joelie Rivera Framingham, MA

Great Job , customer service , good assistance

2 years ago

Reply from AUTOPAY

Thank you for your feedback, Joelie!

Aug. 3rd, 2021

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.