Where does Autopay do business?

Autopay is a marketplace lender based in Denver, CO. It was founded in 2007 and offers auto loan refinancing in Washington, DC and 50 states.

What are Autopay’s auto loan refinancing rates?

Autopay offers refinance loans with APRs starting at 1.99% and up 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?

Yes, Autopay charges a loan origination fee.

What is Autopay’s eligibility criteria?

Autopay requires borrowers to have a credit score of at least 620 to apply.

To qualify, applicants must provide the following documentation:

- Driver license

- Proof of citizenship or residence permit

- Recent pay stubs

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

Autopay will typically approve (or deny) a loan application within 24 hours and fund it within 1 to 7 days.


  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • APR
    1.99% - 15.99%
  • Max Loan Term (Months)
  • Credit Score Range
    620 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • 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
  • Institution Type
    Marketplace Lender
  • Approval Speed (Hours)
  • Customizable Payment Dates
  • Deferred Payments
  • Pre-Approved Soft Credit Inquiry
  • Funding Time
    1-7 days
  • Credit Bureau Reporting
    • Experian
    • TransUnion
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