Autopay Auto Loan Review

What types of car loans does Autopay offer?

Autopay works with credit unions and other financial institutions to connect borrowers with loans for new and used vehicles.

You can prequalify and apply online, and Autopay provides a list of documents you’ll need to submit (driver’s license, proof of insurance, proof of income, proof of residency, and a reimbursement letter if you’re refinancing). If you receive a prequalification, it is valid for 30 days. Automatic payment also allows co-applicants.


Loans range from $2,500 to $100,000. Terms range from 24 to 96 months. Car refinancing can include withdrawals of up to $12,000. Autopay will not refund any payments made to your account. There are no application fees or prepayment penalties. Autopay also sells service contracts and guaranteed asset protection, also known as gap insurance. You may want to compare the prices of these products with those available elsewhere before adding them.

No discount is mentioned on Autopay’s website, but the company says customers who refinance save an average of more than $1,000 per year.

There’s no minimum credit score listed on Autopay’s website, but the company says it has options for “all credit profiles.” You will need to have documents ready to upload verifying your identity, income, address and insurance.

Autopay has an A+ rating from the Better Business Bureau and a 4.9-star rating from Trustpilot based on over 375 reviews.

The Consumer Financial Protection Bureau received 12 vehicle loan or lease complaints about Autopay in 2021. The most common complaints were about getting a loan or lease.

If you have any questions, you can call 844-276-3272 or email [email protected] Hours of operation are Monday through Saturday 7 a.m. to 7 p.m. MT and Sunday 9 a.m. to 5 p.m. MT.

  • People who want to prequalify before buying cars.
  • Individuals who plan to take out a loan within 30 days of prequalification.
  • People who want to use co-applicants.

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