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Autopay Auto Loan
Autopay Auto Loan 61 reviews
Credit Score Range 525 - 850
Loan Amount $7,500 - $45,000
APR  (Fixed APR) 7.99% - 14.99%
Loan Term (Months) 12 - 72 months Auto Loan Review Auto Loan is no longer available to new customers on SuperMoney.

Click here to compare Auto Loans and quickly find the best options for your needs. Auto Loan is offered by, a marketplace lending platform founded in 1996 and based in Irvine, CA. Auto Loan are available in 47 states (and Washington, DC).

CarFinance auto loan FAQ

How much can you borrow via CarFinance auto loan?

CarFinance auto loan loan amounts start at $7,500 and go up to $45,000.

What APR does CarFinance auto loan offer on its car loans?

CarFinance auto loan offers a fixed apr car loan product that ranges from 7.99% APR up to 14.99% 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 CarFinance auto loan?

CarFinance auto loan has car loans with terms ranging from 12 to 72 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does CarFinance auto loan charge an origination fee?

Yes, CarFinance auto loan may charge a loan origination fee.

Does CarFinance auto loan charge a late fee?

Yes, CarFinance auto loan charges borrowers with a late payment penatly fee

Does CarFinance auto loan charge prepayment fees?

No, CarFinance auto loan will not charge you a fee for paying your loan early. Whenever possible choose lenders like CarFinance 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 CarFinance auto loan loan?

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

What do you need to qualify for Auto Loan?

Applicants with a credit score of at least 525 and up to 850 may be eligible for Auto Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Auto Loan does not have or does not disclose a minimum annual income eligibility requirement. Auto Loan only considers borrowers who are employed. 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 are eligible to apply for a loan via Auto Loan. Their rates fall within the limits of The Military Lending Act.

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 CarFinance auto loan?

CarFinance auto loan will typically approve (or deny) a car loan application within 1 hour and fund the car loan within 7 business days of approval.

Is a legit company? was founded in 1996, it is a well-established company that has been in business for 27 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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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 Our Editor

What We Love About Loans

One of the best features of is that they don’t list any credit score requirements for their borrowers. The site requires a minimum gross income, but the credit score doesn’t factor into the equation, helping more people get financed than those who might be able to otherwise. Plus, consumers will be able to trust that they are getting a newer car that’s in good condition because the company has restrictions on what they will finance. also offers near-instant approval for their loans and can finance an impressively high amount for some buyers, although there are limits on the brands and models that they will approve. There is no early repayment fee either, so consumers can pay off loans or refinance on their own schedule.

What Could Do Better?

Currently, the company has a lot of limits on the models that can be financed, as well as the age and mileage of vehicles. These factors may also vary depending on the borrower, so that’s to be considered, as well. Consumers won’t find any of this out until they are into the application process and see their specific offer(s), exclusions, and other details. Backstory was started in 2011 as a way to provide consumers with auto financing despite where they fell on the credit spectrum. The entire application and approval process is done online and consumers will never have to go to a bank or a dealer to get their financing. The company is operated and managed by Flagship Credit Acceptance, which is the servicer of the loans.

The Verdict

Even with all of the exceptions and limitations, including not being available in four states (Michigan, Oklahoma, Nevada, North Dakota), is a good choice for bad credit consumers who need an auto loan.


Other Services by


  Available in 47 states and Washington, D.C.
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • 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
  • 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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Cosigner
Maximum Vehicle Age 8
Military Status
  • Active Duty Military
  • Non-Military
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
Credit Score Range 525 - 850
APR Type Fixed APR
Loan Amount $7,500 - $45,000
APR (Fixed APR) 7.99% - 14.99%
Loan Term 12 - 72 months

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