Auto Approve Review

ByBestmoney StaffFeb. 21, 2021

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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


  • Does not offer purchase loans

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: 620
  • 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

ExcellentReviews 492
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  • author
    Alexander Chandler
    3 days ago
    Auto Approve & Charles M. Are AMAZING!

    I had a car loan of $18k with an interest rate of 12.3%. I filled out the form on auto approve the day my credit score hit 700. Charles M. called me up and asked me some questions about my credit history and current employment. He was PHENOMENAL! He got me a 3.49% rate @ 84 months with just a single hard pull on my credit. He called me every step of the way and was just wonderful! I can't speak highly enough about him.


  • author
    4 days ago
    My rep was Veronica and she was…

    My rep was Veronica and she was AMAZING! She went above and beyond to assist me and I am so appreciative of her assistance!


  • author
    shemuel michael
    Apr 15, 2021
    So happy to be able to business with my…

    So happy to be able to business with my new lender I can finally be rewarded for working hard on my credit thank you.


  • author
    Apr 14, 2021
    Auto Approve was very good with helping…

    Auto Approve was very good with helping me refinance my vehicle. They were able to knock off almost $200.00 a month on my payment and lowered my interest rate in half. I would highly recomend to anyone to give them a try. Their staff was very thorough and it took very little time from the time I did my application with them to the time my vehicle was funded with the new finance company.


  • author
    Apr 14, 2021
    All went well until Anthony had me log…

    All went well until Anthony had me log into the loan agreement document. GAP insurance was added to my loan for the amount of $895. When I stated that I did not want their GAP insurance, Anthony became angry and tried talking me into the insurance and talking over me. 10 minutes after this, I texted Anthony to cancel my refi. I did not want to work with a company that was more interested in selling insurance than a loan.


Auto Approve