Where does Autopay do business?

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

What are the auto loan refinancing rates offered through Autopay?

APRs for auto refinance loans through Autopay range from 1.99% to 15.99%.

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

Autopay offers auto refinancing 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 refinancing loan, the more interest you will pay.

Does Autopay charge an origination fee on auto refinance loans?

Yes, Autopay charges a loan origination fee.

Does Autopay charge a late fee?

Yes, auto refinance loans via Autopay are subject to late payment penalty fees.

Does Autopay charge prepayment fees?

Yes, Autopay does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment feees can reduce or even cancel the interest savings of repaying a loan early.

What are the key eligibility criteria for Autopay auto loan refinancing?

Autopay requires borrowers to have a credit score of at least 620 to apply for auto loan refinancing.

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 refinance with Autopay?

Auto refinance loan applications are typically approved (or denied) within 24 hours and funded within 1 to 7 days of approval

Does Autopay report loan payments to credit bureaus?

Autopay reports payment behavior to one or more of the following credit reporting agencies:

  • Experian
  • Transunion 

  • Credit Score Range
    620 - 850
  • 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
    Only Individual Applications
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Minimum Annual Income
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • 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
  • Approval Speed (Hours)
  • Customizable Payment Dates
  • Funding Time Range (in days)
    1 - 7
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • Pre-Approved Soft Credit Inquiry
  • Credit Bureau Reporting
    • Experian
    • TransUnion
  • Loan Term Range (Months)
    Up to 84
  • APR
    1.99% - 15.99%
  • Max Loan Term (Months)
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