Compare AUTOPAY vs. Standard Auto Financial Auto Loans

What’s the difference between AUTOPAY Auto Loans and Standard Auto Financial Auto Loans? See how our editors compare the two companies below.
Last Updated: May 17, 2018
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AUTOPAY Auto Loans
9.5 / 10 - Excellent
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Standard Auto Financial
7.4 / 10 - Very good
#14 in Auto Loans
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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
  • No credit score required
  • Fast approval as quick as 24 hours
  • Partnered with over 400 lenders and dealers nationwide
  • Auto financing regardless of your credit situation
  • Competitive auto loan rates
  • Auto loans for new and old vehicles

OVERALL RATINGS

 AUTOPAYStandard Auto Financial
Loan Options10/108/10
Application & Service9/108/10
Qualification10/108/10
Reputation9/105/10

Auto Loans & Refinancing

Types of Loans Offered

 AUTOPAYStandard Auto Financial
Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Purchase Loans

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

Loan Refinancing

 AUTOPAYStandard Auto Financial
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

 AUTOPAYStandard Auto Financial
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

 AUTOPAYStandard Auto Financial
Mileage Limit
No Limit
No Limit
Car Age
No Limit
No Limit
Car Makes
Any Vehicle Make
Any Vehicle Make

Application & Service

 AUTOPAYStandard Auto Financial
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

 AUTOPAYStandard Auto Financial
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

 AUTOPAYStandard Auto Financial
Lender Type
Marketplace
Marketplace
Homepage URL
Company Phone
(844) 276-3272
(866) 309-7687
Headquarters Address
1147 N Broadway, Denver, CO, 80203
Mailing Address
PO BOX 40469, Denver, CO, 80204
P.O. Box 463 114 North Egan Avenue, Madison, SD, 57042
Year Founded
2007

Final Verdict

AUTOPAY Auto Loans has a higher overall rating than Standard Auto Financial Auto Loans. AUTOPAY scores better than Standard Auto Financial across: Loan Options, Application & Service, Qualification, and Reputation.


Customer Comments & Reviews

Nick S
Carol Stream, Illinois
3/30/2018
AUTOPAY Auto Loans review
Great service!! Very friendly and willing to help. She made a complicated process less stressful. She is the best!


D
Doug V
Burns, Tennessee
10/5/2017
AUTOPAY Auto Loans review
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.


J
Joel H
Stone Mountain, Georgia
7/21/2017
AUTOPAY Auto Loans 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


Barbie G
Miami, Florida
1/31/2017
AUTOPAY Auto Loans review
Very informative