Autopay Auto Refinance

in Auto Loan Refinancing from Autopay

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Autopay Auto Refinance


in Auto Loan Refinancing from Autopay

Net Recommendation Score -33%



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

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
  • 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.
  • Fair credit accepted. The credit score needed for Autopay Auto Refinance is relatively low. Borrowers with a credit score as low as 600 may qualify for Autopay Auto Refinance.
  • Vehicle requirements. Vehicles must have less than 125,000 miles and a maximum age of 11 years.
  • 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.
  • Minimum income of $24,000. You will need an annual income of at least $24,000 to apply for Autopay Auto Refinance, which is above average for the lenders in our database.
Autopay Auto Refinance Pros & Cons
Pros Cons
  • Low APRs available to qualified borrowers.
  • Available in all 50 states.
  • $0 prepayment fee.
  • $0 origination fee.
  • Considers applicants with fair credit.
  • Considers older vehicles (max. 11 years)
  • Charges a late fee.
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 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 may be 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. Note that borrowers can add a co-borrower 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 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.

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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.


  • Headquarters
  •   1147 N Broadway
    Denver, CO 80203
  •   Visit Site

Other Services by Autopay

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).


  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%
Credit Score Range 600 - 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 Co-borrower
Maximum Mileage 125,000
Maximum Vehicle Age 11
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Minimum Annual Income $24,000
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Approval Speed 24 hours
Credit Bureau Reporting
  • Experian
  • TransUnion
Customizable Payment Dates  
Funding Time Range 1 - 7 days
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 $2,500 - $100,000

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No one recommends Everyone recommends

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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