1 more

Last Updated: 04/07/2026

Autopay Auto Refinance

in Auto Loan Refinancing from Autopay

Last Updated: 04/07/2026

Strongly recommended222 total votes

215 users recommend

3 users are unsure

4 users don't recommend

Explore a similar product

Try this top product in Auto Loan Refinancing

iLending Auto Refinancing

Strongly recommended291 reviews

Visit Site

Community Recommended Products

View All

Strongly recommended291 Reviews

Learn More

Strongly recommended43 Reviews

Learn More

Strongly recommended8 Reviews

Learn More

Get Competing Auto Loan Refinancing Offers

Compare auto loan refinancing offers from multiple vetted lenders.

Discover your lowest eligible rate in minutes.

See how much you qualify for and what your monthly payment will be.

Get Personalized Rates

It's quick, easy, and won't hurt your credit score.

Highlights

Community Rating

Strongly recommended

Amount Range

$2,500 - $100,000

APR (Fixed APR)

Starting at 4.67%(Verified 06/21/2024)

Disclaimer popup with additional information

Credit Score Range

550 - 850

Loan Term (Months)

24 - 84

Number of Reviews

222

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).

Key Takeaways

Vehicle types. Autopay only refinances cars and trucks.
Lender Network. Unlike lenders that provide refinance loans directly, Autopay is a broker that works with its lender network to fund your auto refinance loan.
Lease buyouts. Offers refinancing to buyout an expensive lease or purchase a company car.
Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 550 are considered for Autopay Auto Refinance.
Refinancing for large and small loan amounts. You can refinance auto loans of up to $100,000 with Autopay Auto Refinance. Supports refinancing as little as $2,500. If you have a small amount remaining on your loan this is one of your best options.
Fast process. In some cases you can refinance your auto loan within 1 business day.
No origination fee. Autopay Auto Refinance does not charge an origination fee for processing your loan application.
Long loan terms. Autopay Auto Refinance offers loan terms of up to 84 months. Most auto refinancing loans have a maximum term of 60 months.

Autopay auto refinance Pros & Cons

Pros

Cons

Low APRs available to qualified borrowers.
Available in 50 states and Washington, DC.
No prepayment penalty.
No origination fees.
Considers applicants with poor credit.
Get funded in as little as 1 business day.

No co-sign option available.

Autopay auto refinance FAQ

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 car loan refinancing product that ranges from 4.67% 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 a car 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 550 and up to 850 may be eligible for Autopay Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Autopay Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Autopay Auto Refinance.

To qualify, applicants may need to provide the following documentation:

Recent pay stubs
Proof of insurance
Driver's license or other government photo ID
Government issued photo ID
Proof of citizenship or residence permit
Proof of residence

What is the estimated funding time for a car loan refinance with Autopay auto refinance?

Auto refinance loan applications are typically funded within 1 to 7 days of approval.

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

Yes, Autopay Auto Refinance reports to the following credit bureaus:

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 build your credit.

Does Autopay perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.

Autopay auto refinance allows you to check your rates with a soft credit pull.

Is Autopay a legit company?

Autopay was founded in 2007, it is a well-established company that has been in business for 19 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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 auto refinance

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).

Contact

Headquarters

1147 N Broadway

Denver, CO 80203

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

7:00AM - 7:00PM

Tuesday

7:00AM - 7:00PM

Wednesday

7:00AM - 7:00PM

Thursday

7:00AM - 7:00PM

Friday

7:00AM - 7:00PM

Saturday

9:00AM - 5:00PM

Other Services by Autopay

Auto Loans

62 Reviews

Community Recommended Products

View All

Strongly recommended291 Reviews

Learn More

Strongly recommended43 Reviews

Learn More

Strongly recommended8 Reviews

Learn More

SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +95, or 4.9 on a 5-point rating scale.

+95

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Autopay Auto Refinance Community Reviews

Would you recommend Autopay Auto Refinance to your friends?

Anonymous

Apr 7, 2026

May or may not recommend

Called to cancel two add ons on my Auto loan and Miranda Pardun made it so simple and with a two signatures they were canceled.

Julia W.

Mar 1, 2026

May or may not recommend

This company is very easy to work with. They respond to calls and emails quickly and are very knowledgeable. I worked with Valencia Franklin and David Blaine.

Debra B.

Feb 19, 2026

May or may not recommend

Customer service is outstanding. Always quick and easy. Maranda was very helpful and resolved my issue quickly.

Anonymous

Jan 30, 2026

May or may not recommend

Using Auto Pay was smooth and easy and when I asked to cancel my policies Elizabeth Gunter was very helpful and patient

Phillip E.

Jan 29, 2026

May or may not recommend

Laura Y. Rodriguez was very sweet and helpful! Thank you!

Alfrancis W.

Jan 3, 2026

May or may not recommend

Alfrancis W Would recommend Amber Feldman was awesome!! She provided me with clear and concise directives which made for a smoother transition.

Vinnie M.

Dec 24, 2025

May or may not recommend

Amber Feldman is a great asset to your company as she worked very diligently to get the forms to me which I needed to sign and was very helpful in helping me cancel and get a refund…… Thank You, Amber!!

Amanda M.

Dec 24, 2025

May or may not recommend

Laura Rodriguez was so VERY nice & helpful. She has great sense of urgency & TERRIFIC customer service skills. It was a pleasure talking to her :)

Ali V.

Dec 23, 2025

May or may not recommend

Definitely recommend Amber was professional. Always honest & Easy to work with.

Nathan A.

Dec 18, 2025

May or may not recommend

Miranda was great. Helped me real quick. Professional and straight to the point.

Tierra W.

Nov 10, 2025

May or may not recommend

David was great and helped with my warranty. He was very patient with me.

Thomas I.

Oct 16, 2025

May or may not recommend

I had a reasonable experience with them when cancelling my loan bundled auto car service warranty. They didn't give much hassle for cancelling except the inconvenience of waiting 4-6 weeks for a refund. They should have quicker process in place for refund in this age of digital payments.

Cheyenne M.

Jul 8, 2025

May or may not recommend

David Blaine was great answered all my questions and helped me fast. He also had a pretty hot voice which helped too.

Alicia T.

Jun 16, 2025

May or may not recommend

Been trying to cancel my GAP insurance for 2 months now but all I get is the run around and bad information from someone named Rochelle Wooten. Sent 3 separate emails, was told 3 different things. Seems like these people don't really know how to do their jobs properly. Was finally told it would be taken care of within 4-6 weeks, it's been 2 months now and still nothing. TERRIBLE ...Show More

Chris G.

Feb 11, 2025

May or may not recommend

She was very helpful and completed our tasks in an extremely timely manner.

Miguel A.

Jan 25, 2025

May or may not recommend

Miranda P was very helpful on my cancel and refund, i would definitely recommend this company and her for how quick the document came over.

Cynthia M.

Dec 13, 2024

May or may not recommend

SHE WAS VERY HELPFUL AND EXPLANATORY, AS WELL AS POLITE

Mercy D.

Nov 20, 2024

May or may not recommend

Miranda Pardun was so nice and quick, she definitely needs a raise! Thank you your kindness and diligence!

Nicole B.

Nov 6, 2024

May or may not recommend

Working with Autopay Auto Refinance was easy. All of their agents are detail oriented and knowledgeable. I had to call back after the loan was complete and Rochelle answered my request quickly. 5 stars!

Felix A.

Nov 1, 2024

May or may not recommend

Miranda Pardun was great! Made the whole process easy, with a nice friendly and energetic attitude!

Showing 20 of 222 reviews