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 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
      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 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
      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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      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
      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 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 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
      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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      Verified purchase
      Customer ServiceTechPunctuality & SpeedStaffBillingRates

      Reviewed April 8, 2026

      We looked up companies to help with refinancing our vehicle. Auto Approve came up on the internet and since they offered a better deal, we went with them. We filled out the application then we got a phone call back. They got one company to give us an approval and a day later, they gave us another one while we were making our decision who we were going with. Then, the second one that came back gave us more of a deal than what we were wanting.

      Auto Approve's reps were very friendly and they explained everything. I was impressed with how fast they were able to get us approved to refinance our pick-up truck. The annual percentage rate could have been lower, but it is what it is. With the way the economy is right now, it suits us. With the equity we had in our pick-up truck, we weren't really able to save any money. But we had 45 days where we didn't have to make a payment, so within that time, we were able to save a payment and a half and put it towards other bills.

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      Verified purchase

      Reviewed April 7, 2026

      I was doing a web search through Credit Karma and Auto Approve popped up. Based on the reviews I saw, I signed up with them. It looked like there were more options with them where I could choose from and after I started filling out the information online, I talked to one of their reps. He was pretty good and the process was straightforward. I like it when things are simple.

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      Verified purchase
      Customer ServicePunctuality & SpeedOnline & AppStaffEase of UseLoan Process

      Reviewed April 6, 2026

      I got a letter from iLending and that made me start looking into refinancing my loan. Then I saw Auto Approve was highly-rated, so I ended up going with them. Their website was easy to navigate and they were very efficient. The lending process was simple and all the steps were done within five days. The person I was working with directly for the loan was named Dan and he was really helpful. When I had a question, he was able to get back to me really quickly. He gave me a phone call and explained it over the phone.

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      Verified purchase
      Customer ServiceTechPunctuality & SpeedStaffRates

      Reviewed April 4, 2026

      I was looking for a lower interest rate for my car. A few different vendors called me and Auto Approve provided me the best interest rate. I went with them. I sent them several documents through email and I also filled out a form and signed it. I needed to sign a few signatures on the paper. I printed out, and they offered me an envelope and prepaid shipping labels. I just mailed all the documents to the Vista prepaid label. The overall process was pretty convenient. There were different people, different staff I interacted with, but they followed up with me. Overall, the experience felt like I was taken care of.

      Most people mainly only care about the money part, generally. For example, if another vendor provided me an even lower interest rate, but probably a worse service, I would probably still go with them. Because the money part is the most important thing that most people care about. But overall, with Auto Approve, they provided me the lowest interest rate, and also, the overall service was pretty good. I will recommend my friends to go with Auto Approve.

      However, once I told them I would probably wait a weekend or a couple more days because I was just comparing different vendors, they were a little bit rushed and kept asking me, "Have you signed?" or, "Can you mail me the documents I require?" But overall, I think that was understandable because they just wanted to complete the business.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed April 3, 2026

      Auto Approve called me first and was very pleasant, and gave me a good offer. They were responsive and quick to get me information I asked about. Also, their lending process was simple and easy. The representative I worked with was very professional and responsive to me.

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      Verified purchase
      TechPunctuality & SpeedRates

      Reviewed April 2, 2026

      I was doing some research on how to find the lowest car interest rate and I came upon Auto Approve. They had the lowest interest rate, so I signed up with them. The process was super simple and completed in less than a day. Things are pretty early in my experience with them but so far, things haven't been bad at all and I would encourage others to use them. The service worked as well as could be expected and so far, they have delivered on the contract that we signed.

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      Verified purchase
      StaffBillingRates

      Reviewed March 19, 2026

      Auto Approve reached out to me and said they could help me lower my car payments. I applied, and they found a lender that helped me lower my payments and interest rate. It only took a week to get the approval. The reps were professional and helpful whenever I talked to someone and the lending process was very easy. I'm not tech-savvy and at my age, anything technical is rough. But the website was very easy.

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      Verified purchase
      Online & AppRates

      Reviewed March 7, 2026

      Auto Approve was able to offer me a lower interest rate on refinancing my vehicle. Their lending process was smooth for being all online. Their website was easy to maneuver. I had a good experience.

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      Verified purchase
      Customer ServiceOnline & AppStaffRates

      Reviewed March 4, 2026

      I received mail from Auto Approve and went through their website, and everything seemed simple and straightforward. The rate and terms they offered seemed reasonable, so I decided to go with them. There was some correspondence over text and then a phone call. Everything went very well with the rep I spoke with.

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      Verified purchase
      Maintenance

      Reviewed Feb. 24, 2026

      My husband passed away and I wanted to keep my car, and I wanted to refinance. Auto Approve's lending process was very easy. My husband had an older car. I have to economize because I lost half of the income. I'm on my own now, and I really didn't wanna go back in time and have a car that could break down on every road in New Jersey. Going with Auto Approve worked out for the best. I'm in a state of shock. I saved $150 a month, and then I can refinance again. Overall, things worked out well for me. It let me keep my quality of life.

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      Customer ServiceStaffLoan Process

      Reviewed Feb. 23, 2026

      My experience with Auto Approve has been extremely disappointing. The communication system is one of the worst I’ve dealt with—especially when you need to get in touch with your loan officer. Reaching mine, Cameron **, was nearly impossible. He rarely responded, and when he did, it took months. That level of delay is unacceptable when dealing with something as important as a loan. Because of this, I will not be returning to Auto Approve, and I won’t be recommending their services to any of my friends or family going forward. This was a very frustrating experience from start to finish.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaffBillingLoan ProcessRatesTransparency

      Reviewed Feb. 21, 2026

      I looked up companies through Google, and it gave me 10 different companies to try to go with. Auto Approve was in the first three, so I decided to apply with them. The only problem I had was they gave me different loan terms and different numbers versus when I talked to the guy. When I applied online and got pre-approved, I got a certain rate and a certain payment, which made me jump on the offer. When I talked to the guy, he said, "There's no way we can do that." I said, "There's really no reason for me to move forward with this process then, because the rate that you're giving me right now is nowhere near the rate that I actually was pre-approved for." He said, "We can do that, but we'd have to up the loan terms and then go from there." I wound up paying the same amount for the vehicle as I was going to pay through my first lender, but I was getting a lower payment. In the end, that was what I was worried about anyway.

      The signup process was quick and communication was easy back and forth. It took about two days and it was more convenient on my part, because it was all through text and email. I was at work throughout the whole process and I still got it done within 48 hours. I went back and forth through text with the loan specialist and I couldn't get right back with them, but they were prompt on their end. As far as the application and approval process, I highly would recommend it. The real question for me is, how soon is my old loan is gonna get paid off? They gave me timeframes and they're keeping me updated. As long as everything goes according to plan, then I would highly recommend Auto Approve in all aspects. I wanted the monthly payment on my vehicle lowered and that happened.

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      Verified purchase
      Customer ServicePunctuality & SpeedBillingRates

      Reviewed Feb. 20, 2026

      Auto Approve came up first in the search engines and it looked like it had good reviews. I hit a button with LendingTree, which generated way too many phone calls. I took one and had gotten as far as having the paperwork sent to me from another company and they messed up on something. In the meantime, Auto Approve sent their interest rate and option and they were better, so I went with them. Everything was done by text or email, and it was really easy. The process went very smoothly and it went fast. I can't think of anything to improve. My payment since I refinanced is gonna be lower by quite a bit and it's not due till March 5. It was like I skipped a payment and it was good savings.

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      Verified purchase
      Customer ServicePricePunctuality & SpeedRefunds & PayoutsLoan ProcessRates

      Reviewed Feb. 19, 2026

      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 responses were very fast. That was the reason for me to go with them. It was very easy doing business with them. I just had to go online, do a few things, and the only additional step was to have a call with the notary for notarizing. Otherwise, everything was so smooth. All my documents were received and the process got started. The communication was so good. I also got something less than half of what I was paying for the annual percentage rate.

      The only thing is there was a difference in the final payoff price with my previous auto loan and what was calculated by Auto Approve. I raised that question, and they said if any additional amount comes up with the previous lender, they made that additional amount in the loan in order to fulfill that. They said it will be refunded though. For this particular query, the response was a little delayed and I did not get any of that balance amount to my account yet.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Feb. 19, 2026

      I was Google-searching when I found you Auto Approve. I considered three different companies and I decided to go with them because of their easy process. Signing up was quick and it took three days to complete. The communication was good and they helped us refinance our vehicle.

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      Verified purchase
      Punctuality & Speed

      Reviewed Feb. 18, 2026

      The whole process was pretty easy. We just filled out a form and then Auto Approve got in touch with us. From there, we just had to turn in a few things and it was pretty simple. I liked how efficient and quick it was.

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      Verified purchase
      Punctuality & SpeedRates

      Reviewed Feb. 11, 2026

      I found Auto Approve online and they were one of the first ones to pop up with better rates. When I applied, everything was good and I had no issues. The rate and terms are better than what I had, and I was impressed how quick everything was. I would tell people to go ahead and use Auto Approve. It was a good experience.

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      Verified purchase
      CoveragePunctuality & SpeedStaff

      Reviewed Feb. 10, 2026

      I looked up car refinance on Google and applied to a bunch of companies until one of them got me, and that was Auto Approve. Their application process was easy and the rep was wonderful. However, I'm still waiting on a welcome packet to be sent so I can get into my account and upload my car insurance forms. I'm not sure if that's gonna be mailed out to me or if that was already sent and I missed it.

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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