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Auto Approve Reviews

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About Auto Approve

Auto Approve is an auto loan marketplace that specializes in helping you find a bank, credit union or auto lender for car loan refinancing or lease buyout. By refinancing your vehicle or doing a lease buyout with Auto Approve, you can potentially get a lower APR and start paying less each month. The application process is quick, and refinancing has no out-of-pocket cost.

Visit autoapprove.com
Pros
  • Nationwide lending network
  • Compare multiple lender rates simultaneously
  • Soft credit prequalification
  • Option to add or remove a co-borrower
  • No application fee
Cons
  • Not a direct lender
  • Rates and fees vary by lender

Helpful Reviews

Wichita, KS
Verified purchase
I was looking for a refinancing program for my car. When I was checking, one of the good interest rates that I saw was from Auto Approve. So, I contacted them. Initially, the resp...

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Evansville, IN
Verified purchase
I did the refinancing of my Nissan Frontier with Auto Approve, and it was a very good experience. They did great and the process was easy and very quick. Compared to the rip-off I...

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What is Auto Approve?

Auto Approve is an online marketplace that connects customers with banks, credit unions and auto lenders for refinancing and lease buyouts on cars, trucks, SUVs, motorcycles and recreational vehicles.

Commercial vehicles and heavy equipment are ineligible for refinancing, as are any vehicles registered under a company name.

How Auto Approve works

Auto Approve helps you refinance your existing car loan by connecting you with lenders in its network. The company itself isn’t the lender; instead, it matches your application with banks, credit unions and finance companies that may offer a new loan with better terms.

The online application is straightforward. Auto Approve doesn’t charge an application fee, though some partner lenders in its marketplace may. When you apply, the company reviews your credit score, monthly income, loan balance, vehicle age and vehicle mileage.

If your application meets the basic requirements, an Auto Approve loan specialist shops it to lenders in the company’s network to find potential refinancing offers. If you choose one of the offers, the new lender pays off your existing car loan and replaces it with a new loan, ideally with a lower interest rate or monthly payment.

How to apply for Auto Approve loans

Auto Approve has a simple application. To apply, you’ll need information about your current car loan, including the balance, interest rate and term. To finalize the application, you’ll also need to provide personal documentation, including:

  • Loan payoff statement
  • Recent pay stubs or bank statements
  • Driver’s license
  • Valid proof of insurance

Once you submit an application, Auto Approve reviews your information and works with its network of partner lenders to determine which refinancing offers you may qualify for. An Auto Approve loan specialist will contact you to walk you through your options.

If you choose an offer, Auto Approve submits your application to the selected lender, and in most cases, you’ll receive a decision within minutes. If approved, Auto Approve then prepares your new loan and title documents for electronic signature. Your rate offer is typically valid for 30 days.

Auto Approve fees

Auto Approve doesn’t charge an application fee. Refinance-related costs are typically rolled into the loan, so you won’t pay anything upfront. However, if your current loan has prepayment penalties, you may still be responsible for those costs.

Your annual percentage rate (APR) will vary depending on your vehicle, loan terms and credit history. Your lender may also have its own fee structure once your new loan is established. Loan amounts, fees and costs differ by lender and state. These may include administrative fees, documentation fees, Department of Motor Vehicles fees and title fees, depending on the lender and repayment term.

FAQ

How much are Auto Approve loans?

Overall costs depend on your loan amount and APR, which can change regularly. To get an idea of rates and fees, you’ll need to submit an application and get a quote.

How do I qualify for Auto Approve refinancing?

To see if you qualify, get a quote on Auto Approve’s website. Getting a quote doesn’t affect your credit score.

Does Auto Approve charge an application fee?

No, Auto Approve doesn’t charge an application fee itself, but some of the lenders in its marketplace might.

Can I refinance a commercial vehicle with Auto Approve?

No, Auto Approve doesn’t refinance commercial vehicles purchased in a company’s name.

Can I choose my refinancing loan term?

Yes, when you refinance a vehicle with Auto Approve, you get to decide if you want to shorten or extend the term of your loan. Auto Approve refinancing loans typically range from one to eight years (12 to 96 months).

Will refinancing with Auto Approve affect my credit score?

Simply getting a quote from Auto Approve doesn’t impact your credit score. But if you choose to refinance with Auto Approve, a hard inquiry will be required, which can temporarily affect your credit score.

Where is Auto Approve headquarters?

Auto Approve headquarters are located in St. Louis Park, Minnesota.

Still have questions?

Is Auto Approve legit?

Yes, Auto Approve is a legitimate auto loan marketplace that connects borrowers with banks, credit unions and other lenders for refinancing and lease buyouts. It operates nationwide and works with a network of partner lenders.

Because Auto Approve isn’t a direct lender in most cases, final loan terms, fees and approval decisions come from the lender you’re matched with. This is typical for loan marketplaces, but it means your experience may vary depending on the lender.

ConsumerAffairs reviewers frequently mention a fast application process, responsive customer support and noticeable savings on interest rates and monthly payments. The service may be a good fit if you want help comparing multiple refinancing offers without applying to each lender individually.

Auto Approve Reviews

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    Page 1 Reviews 0 - 35
    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingLoan ProcessRates

    Reviewed Sept. 30, 2026

    I did two loans with Auto Approve. On my Silverado truck, the process was super easy. Anytime I needed to get ahold of the the rep or we needed to communicate, it was easy to contact him and quickly get answers. But on the second one, which was my Kia, the rep was a little bit tougher to get ahold of. Sometimes I would call and had to leave a message and I might not hear from her for hours. She was nice but the ease of the process was a lot smoother with my Silverado.

    Other than that, Auto Approve has strong rates. They walk you through the whole process, answers questions, give you opportunities to adjust what you're looking for to hit for payments. They worked with me on what I was looking for, got the right amount of time, made sure that we wanted to add in some extended warranty situations, explained it well to me and gave me some options. Connection to the bank was super easy as well. They were guiding me through the process and I had reminders to make sure that if there was any material that anybody needed, I was reminded to send it. That was pretty well done.

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      Verified purchase
      Customer ServiceStaffBillingRatesTransparency

      Reviewed Sept. 18, 2026

      I chose Auto Approve because of the interest rate and once I put the application in, everything was smooth. The process took two days because I was still trying to match the interest rate. But altogether, it probably would have taken about one day. I was texting somebody back and forth, so the rep was keeping me updated through text messages, which was comfortable with me. The biggest benefit of using Auto Approve was the communication. And by working with them, I got lower interest rates and payments.

      Thanks for your vote!
      Verified purchase
      Customer ServiceSales & MarketingPunctuality & SpeedRefunds & PayoutsStaffBillingLoan ProcessRates

      Reviewed Sept. 17, 2026

      I was in the process of trying to refinance my loan because I've had my car for 11 months. I went online trying to find different companies and I got the top 10, of which Auto Approve was the second one. So, I got in contact with them and one of their reps called me back. We talked about the process and what I need to do. I told him to send me the paperwork and that I'd take a look at it. Then, I had my lawyer friend take a look at it and he said all the documents they sent to me were legitimate paperwork. And I went with them.

      We went through the process of transferring my loan to them and they paid off my loan. Everybody was very friendly and helpful. They explained everything and the rep I worked with got me a fair rate through a credit union in Indiana named Liberty Federal Credit Union. I looked them up and they are legit. Everything's transferred over and my first payment is in November. But I'm waiting on the title so I can sign it over to them. Other than that, so far, so good. Their customer service has been excellent, too.

      At first, I was skeptical. You have to be nowadays because of all the scams out there. But their rep was very open with me, and he answered all my questions intelligently. When I asked him how he got paid, he said that he got aa salary through his company and that he was not getting a commission off this. He also said he was going to work to try to get me a very good loan rate, and they did lower my auto payment by 200 and some dollars a month, which is helpful. The rate they gave me was fair based on the economy that we're in now. It could have been lower, but some of that is my fault. I have good credit, not an outstanding one, and I went through a divorce. The agent I talked to also walked me through the paperwork and he told me if I had any questions, I can could him back, which I did on several occasions. Overall, I was pleasantly surprised with my Auto Approve experience.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaffRates

      Reviewed Sept. 9, 2026

      Auto Approve offered a better rate than the other company I was looking at. Then, after talking with them, everybody there seemed like they were really straightforward, friendly and seemed like they really wanted to actually proceed with things and do a good job. They seemed like people I want to work with. Their lending process was easy, and one of the more painless experiences I've had. They walked me through every step and everything, for the most part, was online. It was quick and didn't really leave a lot to have to worry about.

      They were willing to help out every step of the way. They made sure they left his contact information and made sure to keep following up with me and let me know, if I had any issues and to get ahold of them. Nothing really arose, but they made sure that they were there and made sure I knew that they were there if anything did. I would recommend them to anybody.

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      Verified purchase
      Customer ServiceRefunds & PayoutsBillingLoan ProcessRatesTimeliness

      Reviewed Sept. 6, 2026

      I used some credit bureaus products and I found Auto Approve through a refinancing link in one of those. I bought a new vehicle and I didn't like the finance rate. So, I looked around for a loan and found them, and they gave me the rate that I was looking for. My experience with them has been easy and smooth and I'm happy. So far, I'm satisfied. I wound up saving after the loan was paid for a full year of payments and about $3,000 in total. Customer support is awesome. Every time I sent a question, within the same day, I would usually get a response and answer to everything.

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      Customer ServiceStaff

      Reviewed Oct. 7, 2026

      Hi to anyone out there trying to refinance their vehicle through Auto Approve company. I got a letter that I was pre approved to refinance my car. Called them and gave them all my information. Gave the correct year, make and model of my car then another employee called me. Said I was approved. He was going over my information with me and asked me if my car was a VW but my car is a honda so that's when I stopped. I think and said is this place legit so please anyone out there be careful my this company collects Information for who knows what bad company. I wouldn't refer anyone to them. Bad place. Not a good company.

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      Verified purchase
      Rates

      Reviewed Sept. 20, 2026

      Auto Approve has better rates. The application process with them went smoothly. I highly suggest using the company. I'll be using them in the future as well.

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      Verified purchase
      Customer ServicePricePunctuality & SpeedStaffLoan ProcessRates

      Reviewed Sept. 19, 2026

      Auto Approve was the quickest to respond and was very helpful. They laid out all the details and were able to get my current loan lowered without extending the term. Compared to what I was paying currently, the price was what I was looking for. The lending process was quick and efficient. It was a pleasant experience and I would highly recommend Auto Approve.

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      Verified purchase
      Staff

      Reviewed Sept. 16, 2026

      Auto Approve seemed to be a more superior service, which was why we chose them. The lending process was fantastic and dealing with the associate was awesome. We were able to relate to each other.

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      Verified purchase
      StaffRates

      Reviewed Sept. 15, 2026

      Once I got in touch with Auto Approve, they helped me get a lower interest rate. The rep I worked with was a pretty cool dude. He guided me straight through. He was a nice man. The total process took about eight days. Auto Approve could still give a better interest rate, but overall, they got me a lower interest rate, and that's what I wanted. They're a pretty good company. They'll help you.

      Thanks for your vote!
      Verified purchase
      TechBilling

      Reviewed Sept. 14, 2026

      Very happy with new payment and service contract. Eric ** Oregon.

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      Verified purchase

      Reviewed Sept. 14, 2026

      Had a great experience with this company. They delivered on what they promised.

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      Verified purchase
      Punctuality & SpeedStaffBilling

      Reviewed Sept. 14, 2026

      My agents were great. They answered me fast and explained everything I had to do or what I was missing. They got me a great deal on lowering my monthly payments.

      Thanks for your vote!
      Verified purchase
      StaffRates

      Reviewed Sept. 8, 2026

      Auto Approve had one of the better rates that came through. Everything went very smoothly with the lending process. The person who helped me told me what was needed. My experience was really good and I would use them again in the future.

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      Verified purchase

      Reviewed Sept. 7, 2026

      I knew about Auto Approve through Google and when I decided to go with them, the lending process was easy.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Sept. 5, 2026

      I called Auto Approve and I liked the person I was dealing with. The lending process was quick and easy. It was very thorough and had a good follow-up.

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      Verified purchase
      Transparency

      Reviewed Sept. 4, 2026

      My lender could not do the refinance and he suggested that I should find another lender to refinance my car. I found Auto Approve online. Their lending process wasn't bad. I liked the way everything went fine and they kept in touch and they kept giving updates. That was the best experience.

      Thanks for your vote!
      Profile pic of the author.
      Loan ProcessRatesHonesty & Transparency

      Reviewed July 27, 2026

      So, I received a letter in the mail to refinance my loan. The letter had information that I feel they should NOT have had about my current loan. I was also very insulted because they said due to my credit I couldn't afford my loan, which I can. How would they know? They said the Federal interest rate had been recently cut since my purchase. That's a lie. Last cut was months BEFORE my loan. And why would you want my business if I am such a high risk? Research before you fall for this.

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      Profile pic of the author.

      Reviewed July 9, 2026

      I was going to refinance my cars, but Nick kept requesting documents and kept giving them, then wanted to see my bank information. It was utterly ridiculous and a big headache!

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      Profile pic of the author.
      Customer ServiceSales & MarketingPriceStaffLoan ProcessRates

      Reviewed June 12, 2026

      Thought everything was on the up and up, even though the initial process sounded like a scam with the original conversation with representatives. Once we were transferred to an agent we thought everything was legitimate, until, we were quoted an interest rate by text that we agreed to. However, that's when the "legitimate" part took left turn. We were emailed the paperwork to begin the refinance process and happen to notice that the interest rate on the paperwork was higher than what we were quoted. In an attempt to contact our agent she ignored our phone calls, text messages and emails for 4 days until finally replying with "the lender re-evaluated your loan". Stay away from Auto Approve, they are just as crooked as any other online lender.

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      Verified purchase

      Reviewed June 8, 2026

      Anita was very nice. The process took way too long - over a month. It seems like the auditors/processing was very unorganized and totally confused as I purchased the car in Ohio and live in Indiana. I had to make multiple trips to the BMV due to "a missed" document. I had to meet with notary twice. Made 2 special trips to overnight documents one being while I was on vacation. This experience was very disappointing and frustrating.

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      Profile pic of the author.
      Customer ServiceCoverageTechSales & MarketingPriceLoan ProcessRates

      Reviewed May 29, 2026

      This company uses slick talk and aggressive sales tactics to sell their "gap" and "warranty" coverage with sub par financing. Their mailer claimed they could save me $73 a month with a lower interest rate. In reality, NICK came back with numbers that did not align with the advertising. After going on and on about how their gap coverage is so much better than what I have and promoting an after market warranty that would cost over $4368 over 7 years, that's nearly 1/2 the cost of the vehicle, he finally gives me the numbers for what the actual monthly cost - $64 less per month than I am paying on a 5 year loan. That would be great, EXCEPT, this is on a 7 year loan so in actuality, he is trying to sell me a loan where I would have to pay an additional $4580 for the privilege of saving that $64 a month. Sorry, the Math doesn't Math for this company. A bunch of snake oil salesmen setup to rob the people while claiming they are saving them money.

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      Verified purchase
      Staff

      Reviewed May 29, 2026

      My experience was complete and professional. My questions were all answered in a timely manner. Christopher ** was very knowledgeable and helpful with all my concerns. I would totally recommend Auto Approve to my friends and family.

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      Profile pic of the author.
      Customer ServicePriceLoan ProcessRates

      Reviewed May 27, 2026

      I received a letter in the mail stating I was pre-approved for rates as low as 4.44%. I called and after providing my life history they quoted me a .25% decrease by extending my loan from 75 months to 84 months. Talk about deception. If you feel like wasting an hour of your life with nothing to show for it, contact Auto Approve. If you are lucky, they may try to rob you.

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      Verified purchase
      Customer ServiceBilling

      Reviewed May 27, 2026

      I couldn't refinance with TD Bank, and I want to get a lower monthly payment. I went online and Auto Approve came up, and they called me. The experience was good, convenient, and easy. I had no problem with it. I'm more of a face-to-face guy, so doing it over the phone and over the internet is different for me, but I didn't seem to have any problem navigating it.

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      Verified purchase
      Rates

      Reviewed May 12, 2026

      I first heard about Auto Approve online. I liked their rates. I've been with them for a month.

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      Verified purchase
      Customer ServicePunctuality & Speed

      Reviewed May 9, 2026

      I checked other lenders and Auto Approve seemed to be much easier and more trustworthy than the other ones. The whole process was pretty easy with them. I liked how quick the response was to any questions I had.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed May 7, 2026

      Tracy was very friendly and she explained to me very clearly nice team. Keep up the great work. Process was very smooth and very fast. Thanks Auto Approve for all the support during this process. Gracias.

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      Verified purchase
      StaffEase of Use

      Reviewed May 6, 2026

      It was very easy to navigate the website of Auto Approve, and the people were very responsive. Everyone was very polite and explained everything pretty well. My experience with them was very positive.

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      Verified purchase
      Customer ServiceCoverageStaffLoan Process

      Reviewed May 5, 2026

      My previous loan balance was $48,000. Now my loan balance is $53,000. How did that happen. I was told if I sign up for insurance for tires, windshield etc. someone would call me help me recover some of the $5,000 in the same insurance from Honda. No one has called.

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      Verified purchase
      Customer ServiceOnline & AppStaffRates

      Reviewed May 1, 2026

      Auto Approve had the simplest process. I just went on their website and put all my information in and somebody contacted me and they did the rest for me. Their representative was very good. Everything was handled with great customer service. The annual percentage rate and terms were perfect for what I was looking for. I'd tell others it was a simple experience and I would urge them to do the same.

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      Verified purchase
      Customer ServicePunctuality & SpeedBillingRates

      Reviewed April 24, 2026

      Auto Approve had a good rating on the web, and they were also very nice to me. Setting up everything was very quick. They gave me a good monthly payment. The communication was very clear and good, too.

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      Verified purchase
      Customer ServiceStaffBillingLoan ProcessRatesTransparency

      Reviewed April 23, 2026

      I received something in the mail from Auto Approve saying that my car loan can be a bit lower. I was with another company before and the high payment was killing me every month. So I decided to go with Auto Approve once I saw that it was working and everything looked good. The process was interesting because I've never refinanced my car before. So it was the first time ever refinancing it and my loan specialist, Dre, told me how it works. He was very helpful. He made the process a lot easier for me to understand it and he kept me up to date with everything. I know he got tired of me by the end because I was calling him a lot. If I had any questions, I called him straight and he told me the answer. I went through him with everything.

      When I was trying to send stuff with my address on it in order to send it through to Auto Approve, the process was a bit difficult because they needed an exact thing and I was giving them stuff. That was the most issue that I had with Auto Approve. Other than that, everything was good. The process took four days once I got the email from Westlake saying that I was approved. With the lower rate, I'm not paying as much. I'd like it to be lower, but it is what it is and I'm satisfied with that. I'm very happy to be with Auto Approve, and hopefully, this will save me some money where I'm not struggling so much every month.

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      Verified purchase
      Customer ServiceStaffRates

      Reviewed April 22, 2026

      Their rates were pretty good on refinancing. The whole process was pretty smooth. I just uploaded some documents and sent them some emails with my documents, and it was good. My agent was really helpful with the whole process and whatever documents I needed to upload. Auto Approve was able to resolve all of my doubts. It's been a pretty positive experience so far.

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      Verified purchase
      Customer Service

      Reviewed April 21, 2026

      Auto Approve provided the best deal, and their customer service was good, as well.

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      Verified purchase
      Customer ServicePriceStaffRates

      Reviewed April 20, 2026

      Auto Approve is worth checking out if you need to refinance your car. Refinancing my Chevrolet Traverse was easy. It was all done online. Also, it was a good call when I spoke with a rep. The rate could have been better, but it was a lot better than what I had. I would probably use Auto Approve again.

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      Verified purchase
      Customer ServicePunctuality & Speed

      Reviewed April 19, 2026

      I went through the process with Auto Approve over the phone. It was quick and easy. Overall, it was faster than I expected.

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      Verified purchase
      TechPunctuality & SpeedStaffLoan Process

      Reviewed April 18, 2026

      I refinanced my car through Auto Approve. I had to send them certain information in and they sent out for the auto loan, and then they told me when I was approved. Everything they told me happened when they said it was gonna happen. So I didn't wait any longer for when they said something was gonna happen. They helped me save some money on my car note.

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      Verified purchase
      Customer ServiceOnline & AppStaffRates

      Reviewed April 17, 2026

      Auto Approve's rate was something I was interested in. I like the process of doing business with them. It was pretty easy. I was getting up-to-date with the emails and text messages and also keeping an eye on the progress on the website. Auto Approve could be one of the good companies to refer. The only thing I noticed is when I applied online, I gave all the data. I got a rate for 5.49. When I talked to the agent, I was given 5.74 with 700 in fees, which I wasn't aware of. It could be true, but those two things were a bit surprising.

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      Verified purchase
      Customer ServicePricePunctuality & SpeedBillingRates

      Reviewed April 16, 2026

      I liked how quickly the response was with Auto Approve and the lending process was great. The only issue is that when I got approved, I didn't hear any feedback. Then, I was told my first payment was late. But I paid it right away and they didn't charge me a fee, and I'm all set now. Auto Approve and the credit union were easy to get a hold of. It was an easy experience, and I’m satisfied. If you're looking to refinance and get a lower interest rate, Auto Approve is the way to go.

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      Auto Approve Company Information

      Company Name:
      Auto Approve
      Address:
      233 South Wacker Drive, Suite 3900, Floor 39
      City:
      Chicago
      State/Province:
      IL
      Postal Code:
      60606
      Website:
      autoapprove.com