Auto Approve Review

ByBestmoney StaffDec. 31, 2020
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In a Nutshell

Auto Approve helps borrowers refinance their auto loans to get lower monthly payments and/or pay off their debt more quickly.


  • Fast online application
  • No fees for applying


  • Doesn't fit bad credit borrowers

Call Auto Approve 8667733823

Auto Approve at a Glance

Auto Approve is an online marketplace that specializes in auto loan refinancing for all types of vehicles, including boats, motorcycles, RVs and ATVs. With lending partnerships across the country, Auto Approve can help get you get out of your high interest auto loan and reduce your monthly car payment.  

You can refinance any private auto loan, as long as your vehicle and credit meet the minimum eligibility requirements. After completing the online inquiry form, you’ll get a response from a dedicated Loan Consultant who will assist in helping you find the right refinancing option fit for your needs.

  • Extensive, nationwide network of trusted lending partners
  • Fast, online application process with no fees for pre-qualification
  • Minimum Credit Score: 660
  • Many types of vehicles accepted, including boats, motorcycles, RVs & ATVs

Suitable for?

Auto Approve’s fast response time and extensive lender network make it ideal for anyone who is being dragged down by auto loan debt. It's appropriate for anyone who makes the required minimum monthly income but needs to refinance to renegotiate their monthly auto loan payments to make them more manageable.

Auto Approve Auto Approve View Rates


  • Fast and easy application process
  • No application fees
  • Wide lender network
  • Low qualification requirements
  • Useful refinancing comparison calculator
  • Covers almost every vehicle

The application process is fast and free, so it’s easy to get a quote for refinancing your auto loan without losing anything in the process. Because Auto Approve accepts almost every type of vehicle, including boats, RVs, ATVs, and motorcycles as well as cars, trucks, and SUVs, it’s likely to have a refi solution for everyone. Auto Approve has a wide lender network which includes credit unions, finance companies, and online lenders nationwide to be able to offer a better deal for your auto loan debt.

Auto Approve doesn’t only offer refinancing for loans for cars and trucks but also extends to cover almost every type of vehicle. The fact that it is short, easy application process without any fees, also makes it more attractive, especially if you need to refinance your debt in a hurry. Auto Approve’s wide range of lenders around the country makes it an attractive option since it gives you access to many more financing options.

Application Process

Applying for an auto loan refinance through Auto Approve is fast and easy. The initial loan application form is available online and takes just a few minutes to complete with your basic personal information, current loan payment amount, and your reason for refinancing.You can even get a quote without entering your social security number. Auto Approve responds with a quote within minutes of receiving your application,based on the information you have provided.

Once you’ve got an initial quote, you’ll get a follow-up phone call from your own personal loan consultant to complete the loan application. You’ll be asked to provide specific information regarding the vehicle (mileage, options), confirm your personal information (e.g., place of residence, employment) and to send documentation that includes your:

  • Driver’s license
  • Proof of auto insurance
  • Current registration documents

There's no application fee with Auto Approve, and once you get a loan offer, it remains valid for 30 days.

To be eligible for auto loan refinancing with Auto Approve, you need to meet these conditions:

  • Your car, truck, motorcycle, ATV, boat, RV, or other vehicle is registered in your name
  • Your vehicle is not more than 8 years old and has fewer than 100,000 miles
  • Your gross monthly income is at least $1,500
  • Your current auto loan is over $7,500

Loan Types and Terms

Auto Approve operates as an online marketplace, giving borrowers access to a wide lender network that includes direct lenders. Rates start at 1.90% APR.

How Safe is It?

Auto Approve's website is secured with HTTPA technology and all data are sent through a secured channel. Also, the company has received an A rating from the BBB and is recognized as a Top 3 auto finance company for customer satisfaction for two quarters. 

Help & Support

Auto Approve provides a toll free number and e-mail address and responds quickly to inquiries. The customer reviews that are shared on the website agree that the customer service is quick and helpful.

Email address:

Call Auto Approve 8667733823


Overall, Auto Approve offers a very useful service by helping borrowers refinance their auto loans. The many vehicles covered by Auto Approve and the easy eligibility requirements give hope to many borrowers who are being dragged down by auto loan debt.

Physical Address

6200 Shingle Creek Parkway, Suite 400

Brooklyn Center, MN


Auto Approve Auto Approve View Rates

Auto Approve customer testimonials

GreatReviews 282
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  • author
    Santiago Borges
    13 hours ago
    Auto Refinance

    The process was smooth. Communication and requests were clear and the response time was excellent.


  • author
    Cameron S
    14 hours ago
    Very friendly great customer service

    Very friendly great customer service


  • author
    Mohammad Adil khan
    3 days ago
    Wonderful experience

    Wonderful experience Travis was very professional very helpful person that I meet him Thanks


  • author
    Jan 13, 2021
    This company is great to work with…

    This company is great to work with especially the loan officer Mitch Kelley he’s fantastic this guy works insanely long days and is relentless to help you out ask for Mitch Kelley he will definitely take care of you


  • author
    Emily Turner
    Jan 12, 2021
    After the refinance, customer service is terrible!

    The actual refinance process was very easy and smooth and I got a rate 1% lower. However, I refinanced in July and I STILL have not gotten this company to send the title for the car to the DMV and to the new lender. This has resulted in being unable to renew my car registration. They have horrible customer service when you actually need something and I had to call five times before I could actually speak to someone that could help me. They are blaming the delay on Covid, but there seem to be many people affected by this same incompetence. I am beyond frustrated as I no longer have my calls returned and I cannot go to the DMV and register the car until they complete the paperwork on their end.


Auto Approve