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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 career began more than 10 years ago as a digital content strategist. Since then, she's been featured in numerous prestigious financial outlets such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.







Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are committed to helping readers gain the confidence to take control of their finances with concise, well-researched, and clear information that breaks down complicated topics into digestible chunks.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by offering interactive tools and financial calculators as well as publishing objective and original content. We also allow you to conduct your own research and compare information at no cost - so that you can make sound financial decisions. Bankrate has agreements with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that are advertised on this site come from companies who pay us. This compensation can affect the way and when products are featured on this website, for example for instance, the order in which they appear within the listing categories and other categories, unless prohibited by law. This applies to our mortgage, home equity and other products for home loans. But this compensation does not influence the content we publish or the reviews appear on this website. We do not cover the universe of companies or financial deals that could be accessible to you.




About our reviews . Editorial disclosure Reviewers are supervised by our staff. Opinions expressed therein are solely the opinions of the reviewer and have not been evaluated or acknowledged by any advertising company. The information that is included, including rates and fees that are included in the review are accurate up to the date that the review was written. Check the data in the upper right hand corner of the page as well as the lender's website to find the most current details.








At a glance 4.2 Score: 4.2 stars out of five
Bankrate Score

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


Find out about auto loan rates


About Autopay Loan amount $2,500-$100,000.
Min. credit score Not specified
APR starting at 2.99%
Funds available as only one business day



Autopay Pros and cons There are many benefits and drawbacks with Autopay auto loans to think about before applying.
PROS Convenient
Application that is streamlined
Credit score not necessary

CONS Insufficient transparency regarding the maximum APR
Down payment
No used purchase





Autopay can be described as an internet-based marketplace for loans that helps consumers find the best price on automobile loan financing. You can look up potential loan offers from lenders within their network within minutes, without impacting your score. If you find a match, the application procedure is simplified, allowing you to quickly finalize your new auto loan with no hassle.

Do you qualify? Autopay does not specify requirements for lending through its web site. However, you'll need to provide specific information about your vehicle when you apply for a loan with an lender to be approved in full. Or you can get prequalified within a matter of minutes by using the online form to view potential loan offers. The application is easy to complete, and getting prequalified will not affect your score on credit. What we like and what we don't think we like. Take a look at these advantages and drawbacks of Autopay loan that comes with Autopay prior to approving the application.
What we love about Autopay is that it's convenient. You can look into loan options from a variety of banks or credit unions as well as online lenders in one place without hurting the credit rating. Streamlined application process: Autopay features a simplified application process designed to help you secure the new car loan in a less time than it would take at the dealership or at the bank. Perfect credit not required: You can get an auto loan through an auto lender in Autopay's Autopay network even having less than perfect credit. We don't like the lack of transparency around maximum APR: The minimal interest rate of 2.99 percent that is advertised on the website is only offered to people with good credit. Down payment: Some applicants require cash to secure a new car loan. However, down payments generally don't have to be made for car loan refinancing. For used items If you're planning to buy a used vehicle, you'll have to shop elsewhere. How to contact Autopay If you're looking to apply for an auto loan through Autopay, visit the website to submit an online request or reach customer service by phone. Customer service is available Monday to Friday between 7 a.m. to 7 p.m. on MT, and on Saturdays from 9 a.m. to 5 p.m. (MT). You can also reach an agent via text message.
Types of Auto loan types offered The lenders of the Autopay network offer new car loans as well as three kinds of refinancing.
New and used cars loans
The loan amount is $2,500-$100,000 Terms: 24-96 months APR: Starting at 2.99 percent


If you're looking for a new ride, you can work with Autopay for help in finding the ideal auto loan to suit your budget. With prequalification, it will allow you to shop with confidence at the dealership and avoid spending hours sitting around waiting until the department of finance to approve the loan. The Autopay team is there to help applicants through the process of applying. Traditional refinancing
Quick facts about loans: $2,500 to $100,000 Terms: 24-96 months APR: Beginning at 2.99 2.9%


If you're looking to reduce the amount of your auto loan payments or get a lower interest rate by refinancing through a lender within the Autopay network may aid you in achieving your goals. You could also take this route to reduce the loan term and pay off your car loan more quickly. Cash out refinancing
Quick facts about loans: $2,500 to $100,000 Terms: 24-96 months APR: From 2.99%


If you're looking to tap into your car's equity, refinancing it with cash back might be an option. You can get up to $12,000 in cash and utilize the money however you want. Some borrowers opt to pay off high-interest debt and free up funds for other financial goals. Lease buyout
Quick facts about loans: $2,500 to $100,000 Terms: 24-96 months APR: Starting at 2.99 2.9%


This financing option can aid you in the event that the lease period is over. Or you could pay off your lease early. Plus, you can avoid excess mileage fees in the event that you've exceeded the maximum specified in the lease agreement. How do you apply for an auto loan with Autopay After gathering the necessary documents, fill out Autopay's application form. It doesn't require a credit check. Autopay will shop your information to lenders that are part of its network, and then present loan offers to you. loan proposals to your if there's an agreement. If you decide to pursue, the lender will take a look at your credit and go over documents supporting it before granting approval.
The required information for your application is Driver's License Proof of insurance Proof of income Proof of residency A letter of payment (if refinancing) Additional documents that are required for your lender match


FAQs on Autopay
Do you need good credit to get a loan with Autopay? Certain lenders within Autopay's vast network offer loans to those with lower credit scores. Generally, good or excellent credit is required to get the best deal for auto financing.



Do you have to submit an additional co-applicant in order to improve your chances of getting approved? Absolutely, Autopay allows applicants to to strengthen their approval odds. The person you are adding should have a good credit score and a steady, reliable source of income to ensure the greatest chance of being approved.



Does Autopay offer service contracts for vehicles to borrowers? Yes, you can purchase an auto service contract when you get the fresh loan or refinance your existing one. This form of protection helps prevent you from incurring hefty maintenance and repair costs. Some vehicle service contracts also include roadside assistance.



How do you know if Bankrate rates Autopay?
Overall score
4.2
Accessibility
4.5
Autopay's wide network of lenders allows for extensive coverage of loan amounts, state availability and conditions. It also doesn't have dealership restrictions.
Affordability
3.6
Affordability will vary based on the lender you're working with This means that Autopay falls toward an upper middle.
Customer experience
4.0
Autopay provides customer service seven every day of the week, with full online access and a purchase time of 30 days, which gives it a higher customer service score.
Transparency
4.5
Rates and fees are accessible on Autopay's website in part however, prequalification is a factor that boosts the score.


Methodology Bankrate considers 18 data points when deciding on the top auto loans. Criteria for acceptance, whether fees and rates are offered and the APR range are all factors that affect lender scores. These scores are broken up in four different categories. Accessibility: Loan amounts, repayment options, dealership requirements and state availability all play a role in this category. Affordability: This section contains APR ranges, acceptance criteria, discounts and fees. Customer experience: How long you're required to spend shopping, customer service availability, whether there's an app or autopay available are accounted for within this category. Transparency: This category is responsible for the availability of fees and rates as well as whether prequalification is available.
Disclosure of author Reviewers are supervised by Bankrate.com staff. Opinions expressed therein are solely the opinions of the reviewer and have not been reviewed or approved by any advertiser. The information such as rates and charges provided in the review is accurate at the time of the review. Review the information in the upper right hand corner of the page and the lender's website to find the most up-to-date information.




Written by
Allison Martin


Allison Martin's work began 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.
The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping their readers gain the confidence to manage their finances with concise, well-researched, and well-researched content that break down complex topics into digestible chunks.






Auto loans editor










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