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Caroline Banton
Caroline Benton
May. 03, 20214 min read

AutoPay summary

AUTOPAY is a good option if you have worked to improve your credit score through responsible repayment and money management. AUTOPAY offers loans for new and used cars, and its lending marketplace model encourages lenders to compete for your business, so you pay less.


  • Lenders offer competitive interest rates and terms
  • Fast prequalification simplifies finding the right loan


  • Not a direct lender, so rates and terms are only representative
  • The AUTOPAY website lacks specific loan information and resources
AutoPayat a glance

Editorial score

Online experience

Good online resources, but no access to rates


Customer services and support

Multiple ways of reaching lender, wide range of hours


Loan Types

Offers most loan types


Repayment Flexibility

Offers flexible repayment plans & the option for special repayment programs


Eligibility (credit score)

Accepts all credit types


AutoPay AutoPay Visit Site

Suitable For?

AUTOPAY is a good option if your credit score is low but you are working to improve it. The platform is also ideal if you’d rather have several choices available before making a final decision.

AUTOPAY Features

AUTOPAY’s simple prequalification application differentiates it from other lending platforms. After completing an online form, you are immediately matched with several potential lenders. The turnaround for approvals is fast, and you could receive the funds in your bank the following day. However, it is important to note that it could also take up to 14 days. If you have a low credit score, AUTOPAY will allow you to include a co-signer, potentially improving the available rate and terms.

Some advantages to using AUTOPAY include the following:

  • A network of reliable loan providers
  • Loans regardless of your creditworthiness
  • Additional educational resources
  • Both new and used auto loans
  • Streamlined prequalification process
  • Funds received within 14 days

Application Process

The AUTOPAY application process includes two distinct steps: prequalification and the actual application and approval after you have been matched with potential lenders. To get started, fill out a quick application online, which requires your basic financial details and contact information. Once completed, you will be matched with several lenders and will continue the application process directly with the selected lender. AUTOPAY will handle the paperwork and submissions but requests that you have the following documents ready:

  • Your driver’s license
  • Proof of insurance
  • Some form of income verification, which can include paystubs, tax returns, or similar documentation
  • Proof of residence such as a lease agreement, utility bill, or similar documents
  • Payoff letter from your current lender (exclusively for loan refinancing)

Some lenders may have requirements to approve customers for loans, particularly for vehicles up to 10 years old or vehicles with a maximum of 150,000 miles. In some cases, lenders may require a credit score of roughly 600, but there is no strict minimum.

AUTOPAY is not a direct lender, so final terms, rates, and loan amounts are agreed with the chosen loan provider.

Loan Types and Terms

AUTOPAY provides loans for the purchase of new and used vehicles. The platform allows the borrower to shop for competitive rates once they have found a car. You can apply for loan amounts between $2,500 and $100,000, with a variety of loan terms from 24 to 84 months. Additionally, AUTOPAY’s loan providers can offer APRs as low as 1.99% to 2.99% for qualified borrowers. 

How Safe is It?

Although AUTOPAY must share customer information due to its marketplace model, the company is incredibly transparent about the whole process. The privacy policy is explicit concerning information that is collected, how it is collected, and the reasons why it is shared. AUTOPAY protects customer data with industry standard measures that include both physical and virtual failsafe technology and redundancies to avoid any loss of data or theft. Information is kept on secured servers in protected physical locations.

Repayment Options

Customers accessing financing through one of AUTOPAY’s partners can choose from a variety of repayment terms that suit their needs. The company’s network of partners offers repayment terms that range between 24 and 84 months. Although payments are handled directly by the loan originator, most lenders allow customers to automate their loan payments, making it easier to pay on time every time. Additionally, customers can pay down their loans through more traditional means, although repayment options should always be discussed with the loan originator and not directly with AUTOPAY.

Help & Support

You can reach AUTOPAY via telephone Monday through Friday between 7 am and 7 pm Mountain Standard Time, and Saturdays between 9 am and 5 pm Mountain Standard Time. You can also get in touch via email if you prefer.

AutoPay AutoPay Visit Site

Final Word

If you’re looking for either a new or used car, AUTOPAY offers a range of loan amounts, terms, and competitive interest rates. In addition to the quick application and effective matching system, AUTOPAY offers a high level of customer service. If you’re looking for plenty of loan options, AUTOPAY is worth considering. 

Physical Address


PO BOX 40469

Denver, CO


Caroline Banton
Written byCaroline Benton

Caroline Banton is a freelance writer of business and finance articles that have been featured in The Huffington Post, The Motley Fool, Time, MSN,,, SaleMove, and Before becoming a writer, Caroline had over fourteen years of experience working at the World Bank. Caroline has an MBA from Johns Hopkins University. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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Trustpilot reviews

See what some costumers are saying about AutoPay
GreatReviews 3
  • author
    Joke Sweden
    Aug 11, 2021
    Hade problem med min parkering.

    Hade problem med min parkering. Farzad på kundtjänst hos Parkman löste detta. Stort TACK till dig Farzad. Snabb svarstid, kompetent handläggande och ytterst trevligt bemötande.


  • author
    Jul 24, 2021
    The grass is not always greener

    Applied June 22, 21 for a refi supplied Autopay with all kinds of documents and was pre approved signed docs in early July was told that everything looks good . . . then around July 15th or so told to get a copy of driver's license of my co signer did that was told by rep from Autopay my docs were being reviewed and my loan would be funded in 3 or 4 business days . . . was excited for a few days and then was told my loan was not approved by lender (Penn something?) wants more info on whether my insurance co knew i used the car for deliveries (I did inform my insurance of my current occupation) seems like deal was falling apart and finally was told the loan docs i signed had an error the lender wanted the loan to be for 72 months not 84 months (who ever prepared the docs made that tiny error or maybe it wasn't an error) told I would have to do the docs over so I still needed to make my current payment on time to my current lender (advised earlier by Autopay no need to make a July payment) decided Autopay deal not worth it as the tiny error would likely increase the monthly payment offered . . . just made my July payment to my current lender . . . got a class in auto refi with this experience . . . hope my story helps someone . . .


  • author
    Rocky Stein
    May 28, 2020
    Rockstar company!!

    Rockstar company. My rep was Helmi Teklu who got stuff done! He took care of both my car loans I don’t know how he did it...he just did! Awesome company awesome dude! Cut my loan payments by 30% totally impressed.


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