SuperMoney

Autopay

in Auto Loans

Claimed Visit Site

Autopay

Claimed

in Auto Loans

SuperMoney Net Recommendation Score -86% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

1 users recommend
0 users are unsure
13 users don't recommend
Cast your vote
Cast your vote

Would you recommend Autopay to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Overview

Where does Autopay do business?

Autopay is based in Denver, CO. It was founded in 2007 and offers auto loans in 50 states (and Washington, DC).

What APR does Autopay offer on its auto loans?

Autopay offers auto loans with APRs starting at 1.99% and up to 15.99%. Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccuate information in your credit history with these credit monitoring tools.

What is the maximum loan term you can get with Autopay?

Autopay has auto loans with a maximum term of 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does Autopay charge an origination fee?

Yes, Autopay may charge a loan origination fee.

Does Autopay charge a late fee?

Yes, Autopay charges borrowers with a late payment penatly fee

Does Autopay charge prepayment fees?

No, Autopay will not charge you a fee for paying your loan early. Whenever possible choose lenders like Autopay that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for a loan with Autopay?

Applicants with a credit score of at least 620 can apply for a loan via Autopay. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via Autopay?

Autopay will typically approve (or deny) an auto loan application within 24 hours and fund the loan within 7 business days of approval.

Does Autopay report loan payments to credit bureaus?

Autopay reports credit data to the following credit reporting agencies:

  • Experian
  • Transunion

 

SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  • 1147 N Broadway
    Denver, CO 80203 USA
  • Visit Site

Message from Autopay

We aren’t satisfied with business-as-usual in car lending because we’ve been on the inside and seen countless ways to make lending better. That’s why AUTOPAY is leading the way to more transparent, fair, easy and friendly car loans for all (it also feels great to help people save money).

Other Services by Autopay

Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee
Application Fee
$0
Minimum Age
18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Joint Loan Applications Accepted
  • Co-signer
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Credit Score Range
620 - 850
850 300 620
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income
$24,000
Verification Documents Required?
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Funding Time Range (in days)
1 - 7
0 14
Approval Speed (Hours)
24
Pre-Approved Soft Credit Inquiry
Joint Loans Available
Credit Bureau Reporting
  • Experian
  • TransUnion
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
Customizable Payment Dates
Loan Term (Months)
Up to
84
Loan Amount
$2.5K - $100K
$500 $100K+
APR
1.99% - 15.99%
0% 36%+

Reviews

Would you recommend Autopay to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)