Compare AUTOPAY vs. US Bank Auto Loans

What’s the difference between AUTOPAY Auto Loans and US Bank 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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US Bank Auto Loans
8.0 / 10 - Excellent
#12 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
  • Get prequalified in minutes
  • Up to $100,000 for a used auto loan
  • APR starts at 3.12%
  • Lease or buy
  • Finance up to 115% with no down payment

OVERALL RATINGS

 AUTOPAYUS Bank
Loan Options10/109/10
Application & Service9/108/10
Qualification10/108/10
Reputation9/107/10

Auto Loans & Refinancing

Types of Loans Offered

 AUTOPAYUS Bank
Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Purchase Loans

 AUTOPAYUS Bank
Loan Amount
$2,500
$10,000
Max Loan Amount
$100,000
$100,000
Min. APR
1.99%
3.12%
Term Length
24 months
Max Term Length
84 months

Loan Refinancing

 AUTOPAYUS Bank
Min. Loan Amount
$2,500
$10,000
Max Loan Amount
$100,000
Min. APR
1.99%
3.12%
Min. Term Length
24 months
Max Term Length
84 months

Additional Info


Loan Qualifications

Borrower Qualifications

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

Vehicle Qualifications

 AUTOPAYUS Bank
Mileage Limit
No Limit
100000
Car Age
No Limit
6 years
Car Makes
Any Vehicle Make

Application & Service

 AUTOPAYUS Bank
Approval Time
Same Day
Funding Time
1-7 Days
Fees
No Fees Specified
Loan fees apply. Loan payment and APR will vary based on the loan amount, the term, and any fees. Origination fees vary by state and range from $50 to $125 or up to 1% of the loan amount. Loan payment example: a $10,000 automobile loan at a 2.31% Interest rate for 36 months with a $125 origination fee will have a 3.12% APR and a $291.38 monthly payment. An early closure fee of 1% of the original loan amount applies if the account is closed within 1 year, with a $50 minimum and $100 maximum. There may be a title registration fee which is determined by your state of residence.
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

Reputation & Reviews

 AUTOPAYUS Bank
BBB Rating
A+
A+
Number of BBB Positive Reviews
6
1
Number of BBB Neutral Reviews
1
1
Number of BBB Negative Reviews
12
102
Date Collected
2017-12-14
2017-12-14

Contact & Additional Information

 AUTOPAYUS Bank
Lender Type
Marketplace
Lender
Homepage URL
Company Phone
(844) 276-3272
(651) 466-3000
Headquarters Address
1147 N Broadway, Denver, CO, 80203
800 Nicollet Mall, Minneapolis, MN, 55402
Mailing Address
PO BOX 40469, Denver, CO, 80204
Year Founded
2007
1929

Final Verdict

AUTOPAY Auto Loans has a higher overall rating than US Bank Auto Loans. AUTOPAY scores better than US Bank 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