4.8/5 (188 reviews)

Find Car Loan Refinancing near you

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Overall Rating4.8 out of 5
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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. All applications require a soft credit pull, and loans are available for all credit scores. AUTOPAY customers save an average of $95 per month with one of its three refinancing loans, according to the company.

    Pros & Cons


    • Easy application
    • Good average savings
    • All credit scores accepted


    • Little personal support
    • Limited website information

    Bottom Line

    AUTOPAY offers three refinancing options from lenders across the U.S. Customers can pre-qualify for loan offers without any effect on credit scores. The average borrower saves $95 per month and gets a 50% lower interest rate.

    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, not AUTOPAY, set their own rates and terms, which allows customers to find truly customized refinancing loans, no matter their credit score or vehicle. Customers using AUTOPAY in 2018 and 2019 saved an average of $95 per month on their refinance loan, according to the company. The process is completely 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 refinancing available through AUTOPAY: traditional refinancing, cash-back refinancing and lease-payoff refinancing.

    • Traditional refinancing: Refinancing is when you take out a new loan to pay off your existing loan, often to get lower rates.
    • 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. AUTOPAY lets you get as much as $12,000 in cash back.
    • Lease-payoff refinancing: If you want to buy your leased vehicle, you can take out a lease-payoff refinancing loan. This can help you avoid paying mileage and other fees.

    AUTOPAY rates

    AUTOPAY offers refinancing rates as low as 1.99% for qualified applicants. Not all users are eligible for this rate, and not every lender offers rates this low. Each company sets its own terms and rates. That said, the average customer gets a 50% lower interest rate and monthly savings of $95. To find out what rates you qualify for, fill out the form on AUTOPAY’s website; there is no hit to your credit score.


    Does AUTOPAY do a hard credit check?

    Not during the pre-qualification process. To get access to rates, you only need a soft credit check. 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 $95 per month after refinancing their loan, according to the company.

    What loan amounts does AUTOPAY offer?

    Loans between $2,500 and $100,000 are available.

    What loan terms does AUTOPAY offer?

    AUTOPAY offers terms between 24 and 84 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, annoying salespeople 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.

    AUTOPAY Reviews

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    Page 1 Reviews 0 - 5
    Verified Reviewer Verified Buyer
    Original review: Feb. 6, 2023

    I contacted Autopay after receiving a letter in mail. I was connected with Deliah ** - who was very friendly from the beginning. Ms ** was very knowledgeable abs stay connected with me on every step needed to be taken. Even when I had to resign some of the papers she worked it to where it could be accomplished with their notary via long stenography - with a woman name Haley - who was also fantastic. More companies need people like Deliah to work for them. I would recommend Autopay and Deliah to anyone. As a matter of fact I already have gave a coworker their information. Thanks again Deliah for the awesome help.

    AUTOPAY response

    Hello Rhonda! Thank you and I have let Deliahs supervisor know your kind words! We hope to work with you again soon!

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    Verified Reviewer Verified Buyer
    Original review: Jan. 30, 2023

    I submitted all the paperwork and Autopay gave me some of the best deals I got. I was struggling. My original car finance option told me one number, but I got ripped off. My car value tripled just because of the interest that I was paying. With Autopay, they found first investors for me and they gave me a lower interest rate and helped me out. They didn't even ask for anything upfront.

    The reps were great, and I genuinely appreciated it. They were on time and upfront. They also asked questions and worked with me. I was short on paperwork 'cause during that time, I wasn't working much so I was trying to find another job to pay my bills. My insurance had lapsed, and they worked with me all the way through till I got the insurance situated. They were dope.

    AUTOPAY response

    Hello Camillo,

    Thank you so much for your feedback. We are very glad you were able to find a loan that fit your needs!

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      Verified Reviewer Verified Buyer
      Original review: Jan. 28, 2023

      The reps were nice. A lot of things had to be done through the mail and online, and a couple of those things got tricky because they're out of state. The person that I was dealing with was in Colorado. A couple of times, things weren't going through. But other than that, they were helpful. It was a decent experience and we got it done. The loan lowered our payment by a little over $100 a month. The interest rate's lower. Autopay did the process then Affinity ended up with the loan. They left $1,000 owing to them, so I'm gonna have to see about that.

      AUTOPAY response

      Hello Susan, thank you for your patience on this and are glad we were able to help you save.

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      Verified Reviewer Verified Buyer
      Original review: Jan. 28, 2023

      I submitted an application through the Credit Karma platform, and they paired me up with AUTOPAY. I'm set up with the new provider and all good to go. It was fast and easy and they handled most of it. I got pinged when they needed a signature or more information. And they were very explanatory about what they were asking for, which made me more comfortable providing what they were asking for in that moment and to continue the timely manner of the process.

      I had two reps who I was in contact with throughout, and both of them were very nice. The rate and terms wasn't as great as I thought it would be, but it also didn't surprise me because of the way the market is now. But it still lowered my monthly payment and give me a lower interest rate, which was the intention. I've never refinanced a car before, so just the way they handled everything and made it a smooth process, they're worth looking at. Check AUTOPAY out.

      AUTOPAY response

      Hello Margaret,

      We are so happy to hear and hope to work again in the future!

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      Verified Reviewer Verified Buyer
      Original review: Jan. 27, 2023

      I was trying to get my truck out of my uncle's name. So, I had a refinance with AUTOPAY and everything went pretty smoothly. There were a couple of things that I didn't like with the experience and that was all the leg work I had to do to get everything finalized. I had to go drive 40 miles to my uncle's house, get his signature, then both of us had to go get the stuff notarized, had to pay for that, then I had to send it off. Other than that, the experience was decent. But they sold me gap insurance and an extended warranty when I didn't need it because I paid the car down to 19 grand before they refinanced it.

      AUTOPAY response

      Hello Willie, thank you for bearing with us during the process!

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      Verified Reviewer
      Original review: May 23, 2023

      I started this process a month ago and they haven't even finished writing up the contract. I am starting to think I have been scammed and should take my business elsewhere. The communication between Alek ** and me has almost been non-existent and I am beyond frustrated. They say it is only supposed to take a few days. That is a big lie! I am totally fed up with this process.

      AUTOPAY response

      Hello Stacey,

      We apologize for any inconvenience. Unfortunately, these processes can take some time. We are an accredited BBB business located in Denver,CO and have been in business since 2006. If you would like a status update, please give us a call at 844-276-3272.

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      Verified Reviewer
      Original review: May 15, 2023

      Very helpful company. Lynn was very professional and helpful with refinancing my auto loan. He helped ensure the process was easy and quick. The whole process was very easy and we’re very happy with everything.

      AUTOPAY response

      Hello Alicia,

      Thank you for very much for letting us know about your experience and are so glad it was positive. Please let us know if you need anything in the future.

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      Verified Reviewer
      Original review: May 2, 2023

      I had great experience with the loan officer Sean. He worked with me all the way. He guaranteed me He would be able approve to refinance my car. They work with you and are great people. I would highly recommend them.

      AUTOPAY response

      Hello Margaret!

      Thank you for sharing your positive experience! We are glad Sean could help you into a better loan.

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      Verified Reviewer
      Original review: April 10, 2023

      Jade made this stressful experience a breeze. She communicated and worked with me every step of the way. Not only was she a delight but she explained everything in great detail. I absolutely LOVE working with Jade and I would recommend her to everyone. Trying to refinance your car? Go with Autopay!

      AUTOPAY response

      Hello Courtney,

      Thank you for sharing about your positive experience with Jade!

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      Verified Reviewer
      Original review: April 5, 2023

      Customer service was very helpful and easy to deal with. They answered all of my questions and eased my concerns. I was pleased with the attention to detail and honesty of my representative. The whole process was handled in a professional, but friendly manner.

      AUTOPAY response

      Hello Jeffrey,

      Thank you for sharing your experience! We appreciate your positive review.

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