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Autopay
Autopay 2023 Auto Loan Review Published 2023-01-01 00:00:00
Written by Allison Martin Written by

Allison Martin's work started over 10 years prior to that as a digital content strategist. She's been featured in numerous prestigious financial outlets, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are committed to helping readers gain confidence to manage their finances by providing precise, well-researched and well-researched content that break down complex topics into manageable bites.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by providing you with interactive financial calculators and tools that provide objective and unique content, by enabling you to conduct research and compare information for free to help you make sound financial decisions. Bankrate has agreements with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site are from companies who pay us. This compensation can affect the way and where products appear on this website, for example such things as the sequence in which they be listed within the categories of listing and other categories, unless prohibited by law for our mortgage home equity, mortgage and other products for home loans. But this compensation does not influence the information we provide, or the reviews you read on this site. We do not cover the universe of companies or financial offerings that could be open to you.




About our reviews . Editorial disclosure Reviewers are supervised by our staff. The opinions expressed in them are only the opinions of the reviewer and have not been evaluated or acknowledged by any advertising company. The information such as rates and charges that are included in the review is correct up to the date that the review was written. Review the data in the upper right hand corner of the page and the lender's site for the most up-to-date details.








A look 4.2 Rating: 4.2 stars out of five
Bankrate Score

Rating of Availability: 4.5 stars out of 5
The Affordability Score: 3.6 stars out of 5
Customer Experience Rating: 4 stars out of 5
The Transparency Score: 4.5 stars out of 5


Compare rates for auto loan rates


About Autopay Loan amount $2,500-$100,000
Min. credit score Not specified
APR as low as 2.99%
Funds are available in as just one day



Autopay Pros and Cons There are many benefits and drawbacks with Autopay auto loans to consider before applying.
PROS Convenient
Application that is streamlined
No credit score is required for perfect credit.

CONS Lack of transparency around APR maximum
Down payment
Purchase not used





Autopay is an online marketplace for lending that assists consumers in finding the most affordable auto loan financing. It allows you to view loan offers from lenders within their network in a matter of minutes without impacting the credit rating. If you find a match, the process is streamlined so you can swiftly approve your new auto loan without any stress.

Do you qualify? Autopay doesn't specify lending requirements in its site. However, you will need to provide specific information about your vehicle when you submit a formal application to a lender to receive full approval. You can also get prequalified in minutes using the online form to view potential loan offers. It's easy to complete, and getting prequalified won't impact the credit rating of your prospective lender. What we like and what we don't like Consider these benefits and drawbacks of Autopay loan with Autopay before signing off on the application.
What we love about Autopay is that it's convenient. You can explore loan options from multiple banks or credit unions as well as online lenders all in one place without hurting the credit rating. Streamlined application process: Autopay features a simplified application process that will help you seal the deal on your next auto loan within a lesser amount of time it would require at the bank or dealership. No credit score is required. You can get an auto loan by the lender through the Autopay network even having less than perfect credit. We are not a fan of the lack of clarity regarding maximum APR: The minimum APR of 2.99 percent advertised on the site is only offered to customers with outstanding credit. Down payment: Some applicants require cash in order to secure a new vehicle loan. However, down payments generally don't have to be made to qualify for automobile loan refinancing. Don't make purchases that are used If you're planning to purchase a pre-owned vehicle, you'll have to shop elsewhere. Contact information for Autopay If you're looking to apply for an auto loan through Autopay go to the website to make an online inquiry or call Customer Service by phone. Support is available Monday through Friday, from 7 a.m. to 7 p.m. MT and Saturday between 9 a.m. until 5 p.m. MT. You can also reach an agent via text message.
Types of Auto loan types offered The lenders within the Autopay network offer new car loans and three types of refinancing.
New and used car loans
The loan amount is $2,500 to $100,000 Terms: 24-96 months APR: From 2.99%


If you're in the market for a new car, you can work with Autopay to find the best auto loan for your financial situation. With prequalification, it will allow you to shop without trepidation at the dealership and save time sitting in line until the department of finance to approve your loan. The Autopay team supports applicants through the process of applying. Traditional refinancing
Loan quick facts Amounts: $2,500-$100,000 . Terms: 2496 months APR: Beginning at 2.99 2.9%


If you're looking to reduce your monthly auto loan payments or get a lower interest rate by refinancing through an autopay lender within the Autopay network may assist you in reaching your goal. It is also possible to take this route to shorten your loan term and to pay off your car loan faster. Refinancing cash out
The loan amount is $2,500-$100,000 . Terms: 2496 months APR: Starting at 2.99 percent


If you want to draw on your vehicle's equity, refinancing it with cash back might be an option. You can get up to $12,000 cash and use the funds however you want. Some people choose to pay off high-interest loans and free up funds for other financial objectives. Lease buyout
Loan quick facts Amounts: $2,500 to $100,000 Terms: 24-96 months APR: From 2.99 percent


This financing option could help you when the lease term is up. You could also pay off your lease early. In addition, you'll avoid excess mileage fees in the event that you've exceeded the maximum stipulated in the lease contract. How do you apply for an auto loan with Autopay After gathering the necessary documents, fill out Autopay's application form, which does not require a credit check. Autopay will shop your information to lenders within its network and will present possible Auto loan offers to you in the event that there's an agreement. If you decide to move forward then the lender will pull your credit report and scrutinize documents supporting it before granting approval.
The required information for your application is Driver's License Insurance proof in income residency A letter of payoff (if refinancing) Additional documents that are required for your lender match


FAQs on Autopay
Do you require a good credit score to qualify for an auto loan with Autopay? A few lenders in Autopay's large network offer loans to those who have lower credit scores. Generally, good or excellent credit is needed to secure the most favorable rate for auto financing.



Do you have to submit an additional co-applicant in order to improve the chances of being approved? Yes, Autopay allows applicants to improve their odds of approval. The person you add should have a good credit score and a consistent, verifiable source of income in order to provide the best chances to be approved.



Does Autopay provide vehicle service contracts to the borrowers? Yes, you can purchase an auto service contract when you take out an entirely fresh loan or refinance your existing one. This kind of protection can keep you from having to pay for costly maintenance and repair costs. Some service contracts for vehicles also feature roadside assistance coverage.



How Bankrate rates Autopay
Overall score
4.2
The availability
4.5
Autopay's extensive network of lenders allows for wide coverage in the areas of loan amounts, availability in states and terms. Autopay also doesn't come with dealership restrictions.
Affordability
3.6
The affordability of Autopay will differ based on the lender you're working with This means that Autopay is in an upper middle.
Customer experience
4.0
Autopay provides customer support seven days a week, complete online access and a shopping time of 30 days, which gives it a higher customer service score.
Transparency
4.5
Fees and rates are only partially accessible on Autopay's site Prequalification options boost the score.


Methodology Bankrate considers 18 data points when selecting top auto loans. Acceptance criteria, whether rates and fees are available and the range of APR all affect lender scores. These scores are broken up into 4 categories. Accessibility: Loan amounts, repayment options, dealership requirements and state availability all contribute to this section. Affordability: This section contains APR ranges, acceptance criteria, fees and discounts. Customer experience: How long you're required to shop, the customer service availability, whether there's an app or autopay option are accounted for within this category. Transparency: This category is responsible for the accessibility of rates and fees as well as whether prequalification is available.
Editorial disclosure The reviews are written by Bankrate.com staff. Opinions expressed therein are solely the views of the reviewer. They have not been evaluated or approved by any advertising company. The information, including rates and fees that are included in the review is correct as of the date when the review first appeared. Look over the information on the right, and the lender's website for the most up-to-date details.




Written by
Allison Martin


Allison Martin's work began over 10 years ago as a digital media strategist, and she's since been featured in a variety of top financial publications such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.
Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are dedicated to helping their readers gain the confidence to take control of their finances through providing clear, well-researched information that breaks down complicated topics into digestible chunks.






Auto loans editor










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