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Autopay Auto Loan

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Autopay Auto Loan

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in Auto Loans from Autopay

SuperMoney Net Recommendation Score -79% 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

3 users recommend
0 users are unsure
26 users don't recommend
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Highlights
Highlights
Community Rating Strongly not recommended
Loan Amount $2,500 - $100,000
APR  (Fixed APR) 1.99% - 15.99%
Credit Score Range 620 - 850
Loan Term Up to 84 months
Number of Reviews 29

Autopay Auto Loan Review

Autopay Auto Loan is offered by Autopay, a marketplace lender founded in 2007 and based in Denver, CO. Autopay Auto Loan is available in 50 states (and Washington, DC).

How much can you borrow via Autopay Auto Loan?

Autopay Auto Loan auto loan amounts start at $2,500 and go up to $100,000.

What APR does Autopay Auto Loan offer on its auto loans?

Autopay Auto Loan offers a fixed APR auto loan product that ranges from 1.99% APR up to 15.99% APR.

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 inaccurate information in your credit history with these credit monitoring tools.

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

Autopay Auto Loan 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 Auto Loan charge an origination fee?

Yes, Autopay Auto Loan may charge a loan origination fee.

Does Autopay Auto Loan charge a late fee?

Yes, Autopay Auto Loan charges borrowers with a late payment penatly fee

Does Autopay Auto Loan charge prepayment fees?

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

Can I pay off early my Autopay Auto Loan loan?

Yes, you can. Autopay Auto Loan does not charge a prepayment fee, so you can save money by paying your auto loan early.

What do you need to qualify for Autopay Auto Loan?

Applicants with a credit score of at least 620 and up to 850 are eligible for Autopay Auto Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for auto loans with Autopay Auto Loan, applicants need a minimum annual income of $24,000 or higher. Autopay Auto Loan only considers borrowers who are employed and meet the minimum income requirement.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Autopay Auto Loan. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Autopay Auto Loan. Permanent resident / green card holders are also eligible to apply.

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

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

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

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

Does Autopay Auto Loan report your account activity to credit bureaus?

Autopay Auto Loan reports your account activity to the following credit reporting agencies:

  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

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Contact

  • Headquarters
  •   1147 N Broadway
    Denver, CO 80203
  •   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

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

Application Fee $0
No Prepayment Fee  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Minimum Annual Income $24,000
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
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
Approval Speed (Hours) 24
Credit Bureau Reporting
  • Experian
  • TransUnion
Customizable Payment Dates  
Joint Loans Available  
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
Pre-Approved Soft Credit Inquiry  
Loan Amount $2.5K - $100K
APR (Fixed APR) 1.99% - 15.99%
Loan Term Up to 84

Autopay Auto Loan Community Reviews

 

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