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Autopay Auto Refinance

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Autopay Auto Refinance

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in Auto Loan Refinancing from Autopay

Net Recommendation Score -33% 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

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APR  (Fixed APR) 1.99% - 17.99%
Credit Score Range 600 - 850
Loan Term 24 - 84 months
Loan Amount $2,500 - $100,000

Autopay Auto Refinance Review

Autopay Auto Refinance is an auto loan refinance offering by Autopay, based in Denver, CO. Founded in 2007, Autopay offers auto refinance loans in 50 states (and Washington, DC).

How much can you borrow via Autopay Auto Refinance?

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

What are the auto loan refinancing rates offered through Autopay Auto Refinance?

Autopay Auto Refinance offers a fixed APR auto loan refinancing product that ranges from 1.99% APR up to 17.99% APR.

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

Autopay Auto Refinance 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 Auto Refinance charge an origination fee on auto refinance loans?

No, Autopay Auto Refinance 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 Auto Refinance charge a late fee?

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

Does Autopay Auto Refinance charge prepayment fees?

No, there is no prepayment penalty.

What do you need to qualify for Autopay Auto Refinance?

Applicants with a credit score of at least 600 and up to 850 are eligible for Autopay Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for auto loan refinancing with Autopay Auto Refinance, applicants need a minimum annual income of $24,000 or higher. Autopay Auto Refinance only considers borrowers who are employed and meet the minimum income requirement.

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 Refinance. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Autopay Auto Refinance. Permanent resident / green card holders are also eligible to apply.

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 maximum mileage to refinance with Autopay?

Autopay is an option for high-mileage vehicles. They will consider auto loan applications for vehicles with up to 125000 miles on the odometer.

What is the maximum car age to refinance with Autopay?

Only vehicles that are 11 years old or less can qualify for an auto refinance.

What is the estimated funding time for an auto loan refinance with Autopay Auto Refinance?

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

Does Autopay Auto Refinance report your account activity to credit bureaus?

Autopay Auto Refinance 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 can help improve your credit score.

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Contact

  • Headquarters
  •   1147 N Broadway
    Denver, CO 80203
  •   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

Application Fee $0
No Origination Fee  
No Prepayment Fee  
Origination Fee (%) 0%
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
  • Co-borrower
Maximum Mileage 125,000
Maximum Vehicle Age 11
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Minimum Annual Income $24,000
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • 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 (Green Card)
Funding Time Range (in days) 1 - 7
Approval Speed (Hours) 24
Credit Bureau Reporting
  • Experian
  • TransUnion
Customizable Payment Dates  
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
Pre-Approved Soft Credit Inquiry  
APR (Fixed APR) 1.99% - 17.99%
Loan Term 24 - 84 months
Loan Amount $2.5K - $100K

Autopay Auto Refinance Community Reviews

 

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