Last Updated: 04/18/2025
SuperMoney User Recommendation Score +29
Mostly recommended62 total votes
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Highlights
Community Rating
Mostly recommended
Amount Range
$2,500 - $100,000
APR (Fixed APR)
2.99% - 17.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
620 - 850
Loan Term (Months)
Up to 84
Number of Reviews
Autopay Auto Loan Review
Autopay Auto Loan is offered by Autopay, a licensed broker founded in 2007 and based in Denver, CO. Autopay are available in 50 states and Washington, DC.
Autopay FAQ
How much can you borrow via Autopay?
Autopay loan amounts start at $2,500 and go up to $100,000.
What APR does Autopay offer on its car loans?
Autopay offers a fixed apr car loan product that ranges from 2.99% APR up to 17.99% 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 auto loan term you can get with Autopay?
Autopay has car loans with a maximum term of 84 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car 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.
Can I pay off early my Autopay loan?
Yes, you can. Autopay does not charge a prepayment fee, so you can save money by paying your car 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 may be eligible for Autopay Auto Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Autopay Auto Loan does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Autopay Auto Loan.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan via Autopay?
Autopay will typically fund the car loan within 7 business days of approval.Does Autopay Auto Loan report your account activity to credit bureaus?
Yes, Autopay Auto Loan reports to the following credit bureaus:
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Autopay perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Autopay allows you to check your rates with a soft credit pull.
Is Autopay a legit company?
Autopay was founded in 2007, it is a well-established company that has been in business for 19 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
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Message from Autopay
Message from our editor
What we love about Autopay Loans
Autopay is a lending marketplace that connects borrowers with multiple auto lenders, making it easier for them to compare offers and find the best deal on an auto loan. Financing is available for both new and used vehicles.
Autopay Loans also offers cash back refinancing. This lets you turn the equity you’ve built in your vehicle into cash that you can use for other purposes.
The application process is quick and relatively simple. You can fill out the application form online in about two minutes. All you need is a driver’s license, insurance, proof of income, and proof of residence.
What could Autopay Loans do better?
Autopay Loans charges a documents and title fee, which can add cost to your loan. The website isn’t very upfront about this fee and you won’t get an estimate of the cost until after you receive a loan offer. This can make it hard to determine whether loan offers are a good deal or not.
Autopay Loans also offers GAP insurance and warranty contracts, but these tend to be very expensive. If you want to get these services, you should make sure to do your due diligence and shop around as Autopay Loans frequently doesn’t have the best deal.
Autopay Loans’s backstory
Autopay Loans is based in Denver, Colorado, and helps match people with auto lenders that can finance new and used car purchases. The company has grown to employ nearly 200 people and states that its four core values are integrity, optimism, hard work, and growth.
The Verdict
If you’re shopping for a new or used car, it’s worth checking with Autopay Loans to see if you can get a good deal on financing. The company frequently offers good deals, but they’re not so good that you shouldn’t shop around and look for other deals.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 7:00PM
Tuesday
7:00AM - 7:00PM
Wednesday
7:00AM - 7:00PM
Thursday
7:00AM - 7:00PM
Friday
7:00AM - 7:00PM
Saturday
9:00AM - 5:00PM