Where does Autopay do business?
Autopay is a marketplace lending platform based in Denver, CO. It was founded in 2007 and offers auto refinance loans in 50 states (and Washington, DC).
What are the auto loan refinancing rates offered through Autopay?
APRs for auto refinance loans through Autopay range from 1.99% to 15.99%.
What is the maximum loan term for a Autopay refinance loan?
Autopay offers auto refinancing loans with terms of up to 84 months.
Does Autopay charge an origination fee on auto refinance loans?
Yes, Autopay charges a loan origination fee.
Does Autopay charge a late fee?
Yes, auto refinance loans via Autopay are subject to late payment penalty fees.
Does Autopay charge prepayment fees?
Yes, Autopay does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment feees can reduce or even cancel the interest savings of repaying a loan early.
What are the key eligibility criteria for Autopay auto loan refinancing?
Autopay requires borrowers to have a credit score of at least 620 to apply for auto loan refinancing.
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 reports payment behavior to one or more of the following credit reporting agencies:
Credit Score Range
620 - 850
Employment Statuses Considered
- Employed Full-Time
- Employed Part-Time
Immigration Status Considered
- U.S. Citizen
- U.S. Permanent Resident
Joint Loan Applications Accepted
Only Individual Applications
- Active Duty Military
- Military Dependent
Minimum Annual Income
Supported Income Types
- 1099 Misc. Income
- Cash / Other
- 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
Approval Speed (Hours)
Customizable Payment Dates
Funding Time Range (in days)
1 - 7
- Automatic Payments
- Check by mail
- Credit/Debit Card
Pre-Approved Soft Credit Inquiry
Credit Bureau Reporting
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