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About AUTOPAY
AUTOPAY is an online auto loan refinancing broker. With its easy-to-use platform, customers can compare rates and terms from financial institutions and credit unions across the nation all in one place. Loans are available for all credit scores. AUTOPAY customers save an average of $116.71 per month with one of its three refinancing loans, according to the company.
- Quick and easy application
- Good average savings
- Variety of loan options available
- Options available for all credit scores
- Little personal support
- Limited website information
Featured Reviews
What is AUTOPAY?
AUTOPAY is an online auto loan broker offering car loan refinancing. It partners with a large network of trusted lenders across the country, including credit unions and financing institutions. These lenders each have their own rates and terms, which allows customers to find truly customized refinancing loans, no matter their credit score or vehicle. AUTOPAY claims that customers save an average of $116.71 per month on their refinance loan. The process is handled entirely online, though you can call the team with questions from Monday through Saturday.
How does AUTOPAY work?
AUTOPAY combines technology with lending to create an easy-to-use platform for users. Its marketplace of lenders gives customers access to many of the best rates available. Customers will fill out an online application that connects them to a wide variety of rates and terms to help them find the best loan.
There are three types of refinance loans available through AUTOPAY: traditional refinancing, cash-back refinancing and lease buyouts.
- Traditional refinancing: Refinancing is when you take out a new loan to pay off your existing loan, typically to get a lower interest rate.
- Cash-back refinancing: With cash-back refinancing, you’re borrowing against the equity in your vehicle in order to take out more money than you owe on your car loan.
- Lease buyout: If you want to buy your leased vehicle, you can take out a lease buyout loan. This can help you avoid paying mileage and other fees.
AUTOPAY also offers new loans for vehicle purchases, and you can get prequalified online in just a few minutes. The company claims loans are available for all credit scores.
AUTOPAY rates
AUTOPAY doesn’t advertise interest rates. When you apply for a loan, the company connects you to its network of trusted lenders, who compete to get you the lowest rate they can. Each company sets its own terms and rates. That said, the company claims the average customer gets monthly savings of $116.71. To find out what rates you qualify for, fill out the form on AUTOPAY’s website; there is no hit to your credit score.
» MORE: Interest rates and how they work
AUTOPAY FAQ
Does AUTOPAY do a hard credit check?
AUTOPAY does a soft credit check during the pre-qualification process. Once you choose a loan option and seek lender approval, a hard credit check takes place.
How much can I save on my loan with AUTOPAY?
The average AUTOPAY customer saves $116.71 per month after refinancing their loan, according to the company.
What loan amounts does AUTOPAY offer?
AUTOPAY offers loans between $2,500 and $100,000.
What loan terms does AUTOPAY offer?
AUTOPAY offers terms between 24 and 96 months, depending on the applicant’s qualifications.
What documents do I need to apply for an AUTOPAY loan?
AUTOPAY requires the following documents to process a refinance application: driver’s license, insurance information, proof of income (tax returns, pay stubs), proof of residence (utility bill, lease agreement) and a payoff letter. In some situations, customers may be asked to provide additional details by the lender.
Is AUTOPAY legit?
AUTOPAY is a legitimate online broker for refinancing loans. Customers are able to easily compare their options through its online application process without having to worry about hard credit pulls and wasted time and effort. Some people may prefer more hands-on support. But for those who simply want a more efficient way to find the best rates, AUTOPAY is a good option.
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- 4,694,011 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
AUTOPAY Company Information
- Company Name:
- AUTOPAY
- Website:
- www.autopay.com