AUTOPAY Auto Loans Review

Rating: 9.5 / 10 (Excellent)
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AUTOPAY is an online marketplace for Auto Refinance and Auto Loans. It maintains partnerships with leading credit unions, banks and lending institutions across the country and is able to allow customers to choose from multiple auto loan offers with the most competitive rates and terms. AUTOPAY offers a convenient online application process which instantly connects customers to its network of partner lenders.

How is AUTOPAY rated?


Loan Options
Application & Service

Overall Rating: 9.5 / 10 (Excellent)

AUTOPAY gets good marks from us mainly due to the flexibility of loan options. Offering traditional, cash-back, and lease payoff financing for new or used vehicles, the company also sets itself apart by extending refinancing options for those who have improved their credit score since taking out their original loan and are now looking to lower interest rates and monthly payments or shorten the loan duration. Clients who opt to work with AUTOPAY can save an average of $165 a month and obtain 65% lower interest rates. Those wanting to secure financing or refinancing for their vehicle from a trusted network of credit unions and lending institutions across the country are sure to find a fair deal through AUTOPAY.

Auto Loans & Refinancing

Loan Options - 10 / 10

AUTOPAY offers both purchase and refinance loans with APRs as low as 1.99%, and wider than usual terms and loan amounts. Their loan amounts range from 2,500 to 100,000, so customers can finance the vehicle they want regardless of make and model. Loan terms with AUTOPAY range from 24 to 84 months, although longer loan durations may translate into higher interest charges. Down payments are not required, but depending on the lender's offer and the vehicle's value, it may be more beneficial to set aside at least 10% for a down payment that may lower interests incurred over the life of the loan.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Purchase Loans

Loan Amount
Max Loan Amount
Min. APR
Term Length
24 months
Max Term Length
84 months

Loan Refinancing

Min. Loan Amount
Max Loan Amount
Min. APR
Min. Term Length
24 months
Max Term Length
84 months

Loan Qualifications

Qualification - 9.5 / 10

Applicants must be 18 years or older and show proof of income to qualify for financing. They are also required to present a driver's license, proof of insurance, proof of residency, a loan payoff letter if refinancing, and their vehicle identification number (VIN) for full approval requests. Since AUTOPAY works with a broader than usual spectrum of credit ranges, even clients who are still building their credit scores will be able to find a good auto financing option that saves them both time and money.

Borrower Qualifications

Minimum Age
Must be 18 or older
Minimum Income
No Minimum Specified
Minimum Credit Score
US Citizenship Requirement
Verification / Documents Required
Social Security Number
Driver's License / Photo ID
Employment Information / Pay Stubs
Proof of Citizenship / Residence

Vehicle Qualifications

Mileage Limit
No Limit
Car Age
No Limit
Car Makes
Any Vehicle Make

Application & Service

Application & Service - 9 / 10

As an auto loan marketplace, AUTOPAY's application process is faster than most. The company seeks to expedite the loan application process by delivering same-day results and funding within one to seven days. AUTOPAY carries out a soft credit inquiry upon application and only does a hard pull on your credit once you have chosen an offer to submit for lender approval. Numerous hard credit inquiries could lower your credit score, but multiple inquiries within a 14-day period will only count as one, so make sure to complete all your loan applications within a two-week window.
Approval Time
Same Day
Funding Time
1-7 Days
No Fees Specified
Benefits/ Features
Online Rates / Application
Pre-approval Soft-credit Inquiry
Customizable Payment Deadlines
Deferred Payments
Joint Loans Available

AUTOPAY Reputation & Reviews

Reputation - 9 / 10

AUTOPAY is a Better Business Bureau-accredited company with a composite score of 4.13 out of 5 stars based on 19 customer reviews and an A+ rating. Although they have received some negative reviews and a minor number of complaints, a large share of customers attest to AUTOPAY's attentive service, hassle-free process, and knowledgeable approach. Optimism and honesty are among the company's core values, which further confirms their commitment to offering the best possible service and the lowest rates.
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Contact & Additional Information

Lender Type
Homepage URL
Company Phone
(844) 276-3272
Headquarters Address
1147 N Broadway, Denver, CO, 80203
Mailing Address
PO BOX 40469, Denver, CO, 80204
Year Founded

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Customer Comments & Reviews

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Beverly Hills, California
Do not do business with them. They show attractive rates, but how they will use it in their formulas is a totally different story. Just calculate what you'd pay in the end and you'll see what I mean. They offered me 2.75% compare to my current 7%, but after calculating all monthly payments I ended up paying even more then my current 7% credit. So, I wish you stay away from them and bankruptcy to them.

Doug V
Tyler Merillat did an outstanding job refinancing 2 vehicles and a motorcycle. He was able to save us a lot money. We appreciate his hard work and dedication.

Kathleen V
Fairview, Tennessee
I was searching online for a debt consolidation loan when I stumbled on Autopay for auto loan refinancing. I wasn't even looking to refinance my car. I did some research in regards to the legitimacy & client reviews, and was pleasantly surprised with the results. Our Loan Champion was Tyler Merilatt. A champion he is! Tyler was so efficient & very responsive. He's a personable guy too, which made the process of refinancing more tolerable. He was able to get us a much lower APR on our two (2) auto, & one (1) motorcycle loans, which saved us so much money monthly, and on the loan in it's entirety. The process was fairly quick & painless. Everyone knows how much that's appreciated... Read More

Joel H
, North Carolina
I did the deal here because of Tyler. Normally I would not have paid the doc fee, but Tyler got me a low rate fast and convenience was worth the 650.00. But if it had not been for Tyler I would have made a local CU match the deal less the doc. You got a good one there be sure to have him train the rest. Joel Hudson Dalton, GA 706-264-7599

Barbie G
Miami, Florida
Very informative

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