Autopay Auto Loan
Autopay Auto Loan
in Auto Loans from Autopay

Autopay Auto Loan

in Auto Loans from Autopay
SuperMoney Net Recommendation Score +29  


This product is mostly recommended by SuperMoney users with a score of +29, equating to 3.6 on a 5 point rating scale.


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.

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Community Rating Mostly recommended
Loan Amount $2,500 - $100,000
APR  (Fixed APR) 2.99% - 17.99%
(Verified 08/04/2023)
Loan Term (Months) Up to 84 months
Credit Score Range 620 - 850
Number of Reviews 62

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.

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. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

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 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
  • Proof of citizenship or residence permit

What is the estimated funding time for a car loan via Autopay?

Autopay will typically approve (or deny) a car loan application within 24 hours and 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 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 may help improve your credit.

Is Autopay a legit company?

Autopay was founded in 2007, it is a well-established company that has been in business for 16 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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).

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.


Other Services by Autopay


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
No Prepayment Fee
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Minimum Annual Income $24,000
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
Credit Score Range 620 - 850
Approval Speed 24 hours
Credit Bureau Reporting
  • Experian
  • TransUnion
Customizable Payment Dates
Funding Time Range 1 - 7 days
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
Pre-Qualified Soft Credit Inquiry
APR Type Fixed APR
Loan Amount $2,500 - $100,000
APR (Fixed APR) 2.99% - 17.99%
(Verified 08/04/2023)
Loan Term Up to 84 months

Autopay Auto Loan Community Reviews


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This product is mostly recommended by SuperMoney users with a score of +29, equating to 3.6 on a 5 point rating scale.


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.

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