Loan amount
New car purchase: $2,500 to $100,000 Refinancing: $2,500 to $100,000
Min. credit score
Not specified
APR from
New car purchase: Starting at 1.99% Refinancing: Starting at 1.99%
Funds available in
One business day
There are some key benefits and drawbacks of Autopay auto loans to consider before applying.
Convenient
Streamlined application
Perfect credit not required
Down payment
No used purchase
Autopay is best for individuals who want to check their approval odds for a car loan or lease buyout and prefer to do so in one sitting. It’s also ideal if you’re looking to refinance your vehicle and prefer to do so completely online.
The lenders in the Autopay network offer new car loans and three types of refinancing.
If you’re in the market for a new ride, you can work with Autopay to find the perfect auto loan for your financial situation. Having prequalification in hand allows you to shop with confidence at the dealership and avoid spending hours sitting around waiting for the finance department to approve your loan. Even better, you’ll receive support from the Autopay team to ensure the application process is seamless.
Whether you want to lower your monthly auto loan payments or secure a lower interest rate, refinancing with a lender in the Autopay network can help you meet your goal. You can also go this route to shorten your loan term and pay off your car loan faster.
If you’d prefer to pull equity out of your vehicle, cash back refinancing could be a viable option. You can receive up to $12,000 in cash and use the funds however you see fit. Some borrowers opt to pay off high-interest debt and free up funds for other financial goals.
This refinancing option is ideal if you want to keep the vehicle when the lease term is up. You can pay off your lease early and steer clear of any fees assessed by the lessor. Plus, you can avoid excess mileage fees if you’ve exceeded the limit specified in the lease agreement.
Autopay offers competitive interest rates and flexible loan terms on new auto loans and refinancing. New car purchases and refinancing both have rates that start at 1.99 percent. Loan terms range from 24 to 96 months.
If you’re ready to apply for an auto loan with Autopay, gather the following documents:
Once you have these documents handy, the next step is to submit an online inquiry. Autopay will shop your information to lenders in its network and present potential auto loan offers to you if there’s a match. If you decide to move forward, the lender will pull your credit and review supporting documents to finalize the review process and issue a full approval.
Autopay doesn’t specify lending requirements on its website. However, you will need to provide specific vehicle details when you formally apply with a lender to receive full approval.
If you’re interested in applying for an auto loan with Autopay, visit the website to submit an online inquiry or contact customer service by phone. Customer support is available Monday through Friday from 7:00 a.m. to 7:00 p.m. MT and Saturday from 9:00 a.m. to 5:00 p.m. MT.
If you’d prefer to talk by text message, that’s also an option. A member of the Autopay team will text you back to address your question or concern.
| Overall score | 4.2 | |
| Availability | 4.5 | Autopay’s wide network of lenders allows for a high amount of coverage in the areas of loan amounts, state availability and terms. It also doesn’t have dealership restrictions like similar products. |
| Affordability | 3.6 | Much of the affordability factor will vary based on the lender you’re matched with, which means Autopay falls towards the middle of the road. |
| Customer experience | 4.0 | Autopay offers customer service six days a week, full online access and a shopping period of 30 days, earning it a higher customer service score. |
| Transparency | 4.5 | Fees and rates are only partially available on Autopay’s website, but prequalification availability bumps its score up. |