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Autopay

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in Auto Loan Refinancing

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Overview

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).

How much can you borrow via Autopay?

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

What are the auto loan refinancing rates offered through Autopay?

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

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

Autopay offers auto refinancing with terms ranging from 24 to 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?

No, Autopay does not charge a loan origination fee for refinancing an auto loan.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount.

Does Autopay charge a late fee?

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

Does Autopay charge prepayment fees?

No, there is no prepayment penalty.

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

Applicants with a credit score of at least 600 can apply for a loan via Autopay. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

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 may report payment behavior to one or more of the following credit reporting agencies:

  • Experian
  • Transunion 

 

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Contact

  • Headquarters
  •   1147 N Broadway
    Denver, CO 80203 USA
  •   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

No Origination Fee  
No Prepayment Fee  
Application Fee $0
Origination Fee 0%
Minimum Age 18
Credit Score Range 600 - 850
850 300 600
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income $24,000
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Maximum Vehicle Age 11
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Co-borrower
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $2.5K - $100K
Loan Term (Months) 24 - 84
APR (Fixed APR) 1.99% - 15.99%

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