ByCaroline BentonDec. 31, 2020

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In a Nutshell

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

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AUTOPAY at a Glance

AUTOPAY offers loans for new and used vehicles and is a solid option for customers regardless of their credit backgrounds. 

AUTOPAY’s lending marketplace model requires lenders to compete for your business, organically driving down rates, terms, and fees. With a simple prequalification application that is completed entirely online, getting a loan with AUTOPAY is quick and simple. 

AUTOPAY has been in operation for over 10 years and has become a significant player in the auto loan industry. The platform’s goal is to help you find the right loan for your needs and to improve your existing terms to generate savings. The company has partnered with a variety of major lending institutions, such as banks and credit unions to establish a network of reliable loan providers. Network providers can offer customers available loan rates to purchase their next vehicle, whatever their creditworthiness.

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.

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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


AutoPay customer testimonials

GreatReviews 1
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  • 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.