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AUTOPAY Auto Loans Review

Rating: 9.5 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner.
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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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Customer Comments & Reviews

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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
Atlanta, Georgia
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
Very informative

Top Rated
Our Partner
9.5 / 10
  • Refinance Your Car - A+ BBB Accredited
  • Submit online application and sign electronically
  • Applicant-to-lender matching and loan coordination
  • Get loans from $2,500 to $100,000
  • APR as low as 1.99% for qualified applicants
  • Qualification credit of 640+ required