Last Updated: 04/18/2025
SuperMoney User Recommendation Score +95
Strongly recommended221 total votes
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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
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.
- 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
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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.
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.
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Message from Autopay auto refinance
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