Get free quote in-app


Autopay Auto Refinance Review – Introduction

With so many auto loan lenders in the market, it can be tough to decide which one to choose. If you’re going to refinance your existing auto loan, it’s best to let a loan-matching platform narrow down the options based on your profile! Autopay auto refinance is one such platform that helps connect borrowers with the best lenders.

Autopay Auto Refinance is based in Denver, Colorado, and was started in 2007 to connect borrowers to easy, online auto loans and auto refinancing. It has a network of more than 180 lenders across the country, offering low rates and great refinance terms. If you’re wondering whether to check out their services, this review is for you!

In this Autopay Auto Refinance review, the Refinance Team at breaks down the important features of the company for you to know. We explore the benefits and drawbacks of choosing to refinance through Autopay and ultimately help you make a better decision.

Pros and Cons of Autopay Auto Refinance: A Snapshot

Auto refinancing can help borrowers reduce their monthly payments, reduce their overall interest rates, and save money in the long term. The best time to refinance your existing loan is when your credit score has increased or when you have a co-borrower on board.

The benefit of Autopay auto refinance is that you can pre-qualify for refinancing through a soft credit check and compare multiple refinance plans before signing on. You get more choice in selecting, which may not have been the case during dealership lending.

Here’s a quick look at the major pros and cons of Autopay auto refinance.

Benefits Drawbacks
Autopay auto refinance pre-approval (done through a soft credit check) allows you to find out which offers fit your budget Refinances only cars and trucks
Low Autopay auto refinance credit score of 550 Term length starts at 24 months; no 12-month term
Low starting APRs Has minimum annual income requirement of at least $24,000
Refinances low loan amounts from $2,500 Approval takes between 24-48 hours
Available in all 50 states Some lenders may charge origination fees
Co-signers and borrowers accepted Some lenders may also charge high late fees
Online loan process  
Also offers deals for lease buyouts and cash-out refinancing  

*As of January 2022

See what you could save on auto refinance

Autopay Auto refinance rates are a good bet for customers who:

Unique features of Autopay Auto Refinance

Let’s get into some details – here is an exhaustive list of all the features of Autopay.

Autopay Auto refinance requirements

Before applying for Autopay auto refinance, check the table below to see if you meet all the requirements.

Criteria Description
Minimum Age 18 and above
Autopay auto refinance credit Score Range 550-850
Minimum Annual Income $24,000
Loan Payoff amount $2,500 - $100,000
State restrictions None. Available in all 50 states
Vehicle restrictions Vehicles should be less than 11 years old and have a mileage less than 150,000.
Make and model restrictions May vary by lender
Immigration Status

U.S. Citizen

U.S. Permanent Resident
Documents Required for verification





Recent pay slips

Income proof

Insurance proof

Driver's license

Government issued photo ID

Proof of residence

*As of January 2022

See what you could save on auto refinance

How to apply forAutopay auto refinance: Steps to follow

Step1: Fill out the pre-qualification form

Head over to the Autopay website and fill in all the details required to process pre-qualification. Autopay will run a soft credit inquiry to shortlist offers and rates from available lenders. You may need to provide personal data like name, email, phone number, vehicle registration number, annual income, and more.

Step 2: Choose from multiple Autopay auto refinance offers

Autopay will show you 2-4 available offers that match your loan payoff amount, loan term, and other conditions. All offers are good for 30 days from the date of application. After you choose the offer, Autopay will initiate a hard credit inquiry. It may affect your credit score, but is a routine step in the refinance process.

Step 3: Finalize the refinance loan

The network lender will ask you for supporting documents like:

Funding is usually completed within 1-7 days of finalizing the refinance deal.

Autopay Auto Refinance Review: Conclusion

Autopay is an established player in the online refinancing marketplace and has a reputation for connecting borrowers to reliable lenders. It has a Better Business Bureau (BBB) rating of A+ and reliable customer service. We recommend trying out Autopay and checking out all the pre-qualified offers available. If you find what you’re looking for, you’re guaranteed a great deal!

The few complaints from customers have been only in the final stage of the deal, involving supporting documentation and delay in funding. However, these are usually easily rectified by bringing it up with customer support team.

Auto Refinance Data Methodology

The auto refinance rates published here are based on the results of comparative research done by’s data team. We've used a mix of public and internal data to analyze refinance rates across thousands of lenders, credit scores, vehicle types, and all U.S. ZIP codes

The rates shown here are based on a national average of our findings, and may typically vary for each individual depending on your personal financial position and the US state you are in.

However, you can quickly determine where you stand by going through our Auto Refinance form. In just a few steps, find out how much you can save with!

Autopay Auto Refinance: Frequently Asked Questions

What is the address of Autopay?

The official mailing address of Autopay is 8055 E Tufts Avenue, Denver, Colorado.

How to contact: Autopay Auto Refinance phone number

You can reach out to the Autopay auto refinance customer support team at 844-276-3272 between 7 a.m. and 7 p.m. on weekdays, and between 9 a.m. and 5 p.m. on Saturdays.

Does Autopay Auto refinance offer cash-out refinancing?

Yes, Autopay Auto refinanceoffers cash-out refinancing options as well. You can take out a loan equivalent to your vehicles current estimated value and use it to repay your existing loan.

Does Autopay auto refinance have a fixed or variable APR?

Autopay refinance offers fixed APRs for car refinancing starting from 1.99%.

Does Autopay charge an origination fee?

Yes, some Autopay network lenders have an origination fee for processing applications.

Does Autopay charge late fees?

Yes, some lenders in the Autopay network can charge late fees for delayed payments.

Does Autopay auto refinance report to any credit bureaus?

Yes, Autopay reports account activity to TransUnion and Experian.

Auto Refinancing Brand Reviews