AUTOPAY Auto Loans Review

Rating: 9.7 / 10 (Excellent)
#1 in Auto Loans
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How is AUTOPAY rated?
Types of Loans
Loan Details

AUTOPAY is an online marketplace for Auto Refinance, Auto Loans, and Auto Finance. 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.

Types of Auto Loans

AUTOPAY offers Auto Loans for new cars and refinancing with rates as low as 1.49%.

  • New Auto Loans
  • Auto Refinancing

Auto Loans Available Through:

  • Credit Unions
  • Lending Institutions


AUTOPAY offers a simple online application process for customers. The company performs a soft pull on their client’s credit information which won’t affect their credit score negatively. AUTOPAY only does a hard pull against their credit if a customer chooses an offer to submit for a lender’s approval.

The online marketplace does not have an application fee with their service, but requires their customers provide some documentation for their application to be processed. Including:

  • Payoff letter if refinancing
  • Driver’s license
  • Proof of residence (lease agreement, utility bill, etc.)
  • Proof of income (tax returns, pay stubs)

Customers may also be asked to provide additional documentation for lenders, or during the period of their contract. If a client is applying for a purchase, AUTOPAY will need specific vehicle details for their application to be approved.


  • Account Balances and Payment History
  • Social Security Number and Income
  • Checking Account Information and Employment Information
  • Must be at least 18 years old
  • Legal Resident of US

*Other lending companies may require more qualification other than those stated above. Be sure to check it with your chosen company what other qualifications they need you to submit.

Credit Score

All credit types

Steadily Employed




New Credit/Newly Employed


Loan Details

Minimum Auto Loan


Maximum Auto Loan


Used Car Model

Varies on the lender

Used car mileage

Varies on the lender

Down Payment

Not Stated

Funds Release

Not Stated

Auto Loan Fees


1.99% for qualified applicants

Application Fee


Prepayment Penalty


Origination Fee

Not Stated

Auto Loans at AUTOPAY

AUTOPAY is a good place to shop competitive auto loan rates and refinancing solutions. The company provides a wide network of lending institutions, banks, and credit unions for customers to choose from, allowing them the convenience of multiple loan offers. The online platform also accepts automatic payments, which gives consumers a convenient payment option. All in all, a good service that lets consumers enjoy competitive rates and the best loan terms.

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Latest Reviews

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Barbie G
Very informative