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You have plenty of options when it comes to purchasing or refinancing a vehicle. You can visit your local bank or credit union or apply for a loan from one of many online lenders. How do you know which one is right for you? One option is to talk to friends and family to see who they’ve used for vehicle financing. You can also read reviews by lending institution customers to determine the company’s overall satisfaction rating. If you’re planning to purchase or refinance a vehicle soon, AUTOPAY is an online auto loan broker worth researching.


AUTOPAY is an online option for new vehicles and refinancing loans. AUTOPAY’s partnership with an extensive network of financial institutions and credit unions enables it to provide refinancing options to its customers. The various lending institutions set the terms and rates for the purchase or refinance, allowing customers to find more customized options to fit their needs. While you should be able to complete the entire application process online, AUTOPAY has a team available for questions via phone Monday through Saturday.


The easy-to-use platform on AUTOPAY allows customers to access the marketplace of lenders for some of the best rates available. Once you complete the online application, you will be connected with loan options with various terms and rates that you can compare to get the best value for your money.

New Auto Loans With AUTOPAY

The new auto loan process is similar to a traditional lending institution or financing through a dealership. AUTOPAY works like a virtual finance department with an online process that walks you through the application process. AUTOPAY offers loans for customers with stellar credit as well as those rebuilding credit. There’s an auto loan solution for all credit profiles with AUTOPAY. You can finance a new or pre-owned vehicle with AUTOPAY with competitive rates and manageable monthly payments.

What Refinance Options Are Available With AUTOPAY?

AUTOPAY has three types of refinancing options, including:

Traditional Refinancing

A traditional refinance gives you a lower monthly payment. You can choose to refinance for the same time remaining on your existing loan at a lower interest rate to lower your payment. Another option is to refinance to extend your loan’s length, which will lower your monthly payments.

Lease-Payoff Refinancing

You can apply for a lease-payoff refinance when you purchase your leased vehicle. A lease-payoff refinance might help you avoid paying additional fees, such as mileage, on your leased vehicle.

Cash-Back Refinance

If you owe less than the actual value of your vehicle, you can request a cash-back refinancing loan. These loans let you borrow against your vehicle’s equity, for up to $12,000 with AUTOPAY.

What Are the Interest Rates With AUTOPAY?

Interest rates from AUTOPAY will vary for several reasons, including:

  • The amount you wish to borrow
  • The length of your loan
  • Your credit history and score

Each of the marketplace lenders sets its own rates and terms, but offers can be as low as 1.99%, and the average customer stands to save approximately 50% on their current interest rate. The best part is you can apply to see what your offers would be without a hard credit check.

AUTOPAY offers loans between $2,500 and $100,000. The amount you qualify for will depend on the value of your vehicle. You can also get terms between 24 and 96 months with no prepayment penalty. There’s no application fee and no obligation to accept an offer.

What Documentation Do You Need to Apply for a Loan With AUTOPAY?

You’ll need to have several documents to complete the application process with AUTOPAY for a new auto loan and refinance, including:

  • Driver’s license
  • Proof of insurance
  • Proof of income via tax returns or pay stubs
  • Proof of residence via utility bill or lease agreement
  • Payoff letter from the current lending institution, if refinancing

Some customers might be required to provide additional documentation, but the AUTOPAY team will help you with that.

AUTOPAY Reviews and Ratings

You want to ensure you’re getting a good rate from a good company, so it’s important to do some research on AUTOPAY to determine if they’re right for you. Consumer Affairs gives AUTOPAY 4.2 out of 5 stars, based on 26 ratings. The pros of AUTOPAY include an easy application process, accepting of all credit scores, and good average savings. Cons include little personal support and limited information available on the website.

Credit Karma gives AUTOPAY a rating of 4.3 out of 5 stars on overall lending, based on 1,938 reviews. Of those reviews, 1,467 gave AUTOPAY 5 stars, while 291 only gave it 1 star. Reviews are based on the application process and customer service. AUTOPAY has an 8.8 out of 10 rating from Best Company and 1,400 reviews.

Credit Karma lists AUTOPAY’s positives as having multiple refinance options, providing rates instantly, having a low minimum credit score, and prequalifying with no impact to your credit score. Adversely, the negatives include not being a direct lender and not having a refund policy.

On availability, affordability, customer experience, and transparency, Bankrate reviews give AUTOPAY a 4.2 out of 5 stars. The pros on Bankrate include a convenient, streamlined application and not requiring perfect credit. Cons include the down payment and no used purchase. On AUTOPAY’s website, the company receives a 4.9 out of 5 star rating from 6,176 customer reviews. Reviews are accepted on Google and Facebook. AUTOPAY boasts an A+ rating from the Better Business Bureau as of Sept. 25, 2017, and a Top 3 Customer Satisfaction Auto Finance Award from LendingTree in April 2015.

Ultimately, the lending institution you select is a personal choice and will be based on many factors. It’s an excellent idea to research and compare several lenders to ensure you’re getting the best offer. AUTOPAY takes the legwork out of comparing offers by providing you with several after just one application. AUTOPAY reviews show most customers are satisfied with their experience, from application to processing. You can visit the website to check it out.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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