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Compare AUTOPAY vs. MaxCarLoan Auto Refinance

What’s the difference between AUTOPAY Auto Refinance and MaxCarLoan? See how our editors compare the two companies below.
Last Updated: March 28, 2024
AUTOPAY Auto Refinance
4.6 / 5 - Excellent
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MaxCarLoan
3.4 / 5 - Very good
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Key Facts

  • Accredited by the BBB, with an A+ rating
  • Submit your application online 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
  • Get approved in minutes
  • Auto loans for new or used cars
  • Large network of auto dealers and direct lenders
  • Access to hundreds for potential loan options
  • No obligation and application fees
  • No minimum credit score required

OVERALL RATINGS

 AUTOPAYMaxCarLoan
Loan Details4.7/53.3/5
Customer Experience4.5/53.5/5

Auto Loans & Refinancing

Types of Loans Offered

 AUTOPAYMaxCarLoan
Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Purchase Loans

 AUTOPAYMaxCarLoan
Loan Amount
$2,500
Max Loan Amount
$100,000
Min. APR
1.99%
Term Length
24 months
24 months
Max Term Length
84 months
72 months

Loan Refinancing

 AUTOPAYMaxCarLoan
Min. Loan Amount
$2,500
Max Loan Amount
$100,000
Min. APR
1.99%
Min. Term Length
24 months
Max Term Length
84 months

Additional Info


Loan Qualifications

Borrower Qualifications

 AUTOPAYMaxCarLoan
Minimum Age
Must be 18 or older
Must be 18 or older
Minimum Income
No Minimum Specified
No Minimum
Minimum Credit Score
640
No Minimum
US Citizenship Requirement
No
No
Verification / Documents Required
Social Security Number
Driver's License / Photo ID
Employment Information / Pay Stubs
Proof of Citizenship / Residence
Social Security Number

Vehicle Qualifications

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

Application & Service

 AUTOPAYMaxCarLoan
Approval Time
Same Day
Same Day
Funding Time
1-7 Days
1-7 Days
Fees
No Fees Specified
No Fees Specified
Benefits/ Features
Online Rates / Application
Pre-approval Soft-credit Inquiry
Customizable Payment Deadlines
Deferred Payments
Joint Loans Available
Online Rates / Application
Pre-approval Soft-credit Inquiry
Customizable Payment Deadlines
Deferred Payments
Joint Loans Available

Reputation & Reviews

 AUTOPAYMaxCarLoan
BBB Rating
A+
Number of BBB Positive Reviews
6
Number of BBB Neutral Reviews
1
Number of BBB Negative Reviews
12
Date Collected
2017-12-14

Contact & Additional Information

 AUTOPAYMaxCarLoan
Lender Type
Marketplace
Marketplace
Homepage URL
Company Phone
(844) 276-3272
(866) 948-5924
Headquarters Address
1147 N Broadway, Denver, CO, 80203
4283 Express Ln #425, Sarasota, FL, 34238
Mailing Address
PO BOX 40469, Denver, CO, 80204
Year Founded
2007

Final Verdict

AUTOPAY Auto Refinance has a higher overall rating than MaxCarLoan. AUTOPAY scores better than MaxCarLoan across: Reputation, Qualification, Loan Details, and Customer Experience.


Customer Comments & Reviews

jmjthree1965
12/14/2021
AUTOPAY Auto Refinance review
This is a follow-up to my previous review for AUTOPAY that was not favorable. Since my last post, they did get me a loan approval, but the interest was about a point too high. My payments would be lowered but not by as much as we had hoped. In the long-term, it was not quite worth it. I'll say that credit reports by the major credit unions, still had one bad credit move that was necessary for my wife and I but should have been taken off, after almost 8 years! This is basically the only negative we've had in our 38 years of marriage but seemingly, these credit unions can decide to punish you awhile by not removing something the laws that regulate them, require. In the end, AUTOPAY was always polite with us and sent us a letter explaining why they had difficulty securing a refinance for us, not quite as good as we first expected...but close. For this, I go ahead on this review, to give them a 5-star rating.


credittailors
12/3/2021
AUTOPAY Auto Refinance review
so far so good with shaun 8.4 apr down to 4.5 cut my payment in half no early payoff penalty i don't know but my experience was easy


J
Joel H
7/21/2017
AUTOPAY Auto Refinance review
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


J
John
2/13/2017
MaxCarLoan review
Max Car Loan helped me to get a loan at at a dealer right by my house when nobody else would approve me.


Barbie G
1/31/2017
AUTOPAY Auto Refinance review
Very informative