Looking for an Auto Loan Lender? Try the Auto Approve Lending Marketplace

Auto Approve provides one of the top auto refinance marketplaces complete with online quotes and car loan offers.

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About Auto Approve

Auto Approve is another good marketplace choice you can use to refinance your auto loan. Their legal name is Auto Approve LLC. They tote a better way to refinance your automobile with less paperwork, less time, and lower payments with savings quotes in minutes.

Auto Approve Auto Refinance Color Logo

Lender Type


A+ BBB Rating

4.7 Google Rating

Online Marketplace

Serves All 50 States

Fee Charged - Unspecified Amount

Interest Rate


Auto Approve's interest rates start at 2.25%***. Exact conditions resulting in rates vary based on credit and vehicle. See application for details.

Credit Score


Auto Approve can help you refinance your car if you have a credit score of 580 or higher.

When Applying

Pre-approval available. No SSN to see offers. Cash back refinancing opportunities.

Qualifying with Auto Approve

Plan Ahead to Successfully Refinance

Set Yourself up for success with Auto Approve. Here is how you can get started for refinancing qualification.

  • Qualifying Credit Score

    Check your credit bracket to see if you have a score of at least 580. If you have a lower score, you may not qualify to work with Auto Approve.

  • Collect Refi Docs

    Get your refinancing docs in order so you have everything ready to go when applying. This includes your income, vehicle docs, ID, and loan information.

  • Savings Comparison

    Calculate your refinance savings. Knowing your baseline numbers will help you see how much Auto Approve will help your monthly car payments.

TrustPilot Reviews

See what Auto Approve's customers have to say on Trustpilot

Auto Approve's Rating
2,638 Trustpilot Reviews
Michael Haney
Michael Haney
March 16, 2022

Excellent customer service and kept it simple

David Ginocchio
David Ginocchio
March 15, 2022

I am very happy.we got a lower interest rate which means a lower payment

March 15, 2022

Awesome to work with!

K Shea
K Shea
March 15, 2022

Riley Herren, Auto Approve made the process easy & effortless. He's such a professional; he listens; he's quick to respond and delivered in less time than he promised. HIGHLY recommend working with Riley and Auto Approve.

March 15, 2022

My Auto Approve rep, Peter Fericioni, was absolutely superb with professionalism, courtesy, knowledge, and efficiency. He made my experience of finding a lender with great rates wonderful. When I was unsure of the process, he was very patient and explained every step of the way and he was very pleasant about it! Peter is truly an asset to the team!!! Thank you Auto Approve and a special thanks to Peter!!!!

K Spaulding
K Spaulding
March 15, 2022

There was an administrative “hiccup” that resulted in my initial follow up contact regarding my loan process being significantly delayed by several weeks. I had started to feel quite concerned as to whether I had unknowingly engaged in fraudulent activity especially with the disclosure of private information I had provided as I felt as though I was not receiving timely responses to my multiple inquiries regarding loan status via text and email. However, all investigations were eventually completed and once the issue was discovered and rectified, I found the loan process to be very efficient, professional, and successful in regards to my requests and terms of engagement… Geoffrey was wonderful to work with as this was my very first experience with any loan process (mine was an auto loan refinance) over the phone! Many Thanks!

Dane Primeaux
Dane Primeaux
March 15, 2022

Brian was the most wonderful person. He did a great job and was very informative. Great personality!!! I never like to do business over the phone but he was very patient and kind. He does a great job😁😁😁

March 15, 2022

They worked hard to find me a great option even after being denied initially!

March 15, 2022

We appreciated Jason very much. Jason worked diligently for Terry and I getting a new car loan. A reduction in monthly payment will give us a better life. Thank You very much

Auto Approve's History

Auto Approve was founded in 2016 and based in Brooklyn Park, Minnesota. Presently, they offer auto refinancing in all 50 states along with other products like lease purchasing and motorcycling refinancing. The state offerings vary by lender within the marketplace and customers may be offered comparable offers from multiple banks and credit unions.

The company can help you if you are paying too much on your car payments and help you put your hard earned money back in your pocket. They can also help you out of a vehicle lease and into vehicle ownership with their auto lease buyback program. Other refinance offerings include loans for motorcycles, RVs, and boats along with vehicle protection plans.

The Auto Approve lender marketplace provides a platform for you to find a better car loan deal. Like Caribou, they work with credit unions and banks who provide lending for your state and geographical area. Simply make an application using their platform, and you can see and compare multiple refinance rates by term and APR.

Car Loan Rates

Auto Approve can help you refinance your car loan with a rate as low as 2.25%*** along with auto lease buybacks.

Adjust Your Loan

Check for how you can adjust your loan term and interest rate with Auto Approve through car loan refinance offerings.

Save Money

Need to save money? Refinancing can be a good way to save money if you can pay less by lowering your interest rate.

The Auto Approve Refinance Application Process

The Auto Approve refinance application process starts on their web portal. You can start your quote by entering your personal information along with your estimated credit score. Add your employment information as well as your car info. This will send your initial application into their system and start the wheels turning.

Your application will be assigned to an Auto Approve Loan Consultant (similar to a loan officer) who will manage your submission and help you through the process. Their consultants usually have backgrounds in the auto industry with decades of auto refinance expertise. They help you complete your application and prep it for submission to lenders.

You can submit your application for approval once you find and select a suitable refinance loan offering. At this point, a hard credit check is performed to check your credit history before refinancing offers are extended to you. This type of credit inquiry can slightly affect your credit score by around five points according to MyFICO.

Lender-approved refinance offers are valid for up to 30 days. They are locked in so you can make sure refinancing your car is the right choice before taking the leap to funding. When you are ready, your loan consultant will help you complete the funding process and sign documents as the final steps. You are finally ready to begin your new refinance loan payments. Auto Approve FAQs state they handle your information safely and securely with security software.

Auto Approve BBB Reviews

Trusted by Hundreds of People for Car Refinancing



Over 340 Reviews
Better Business Bureau
See Company Profile

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"Richard was very helpful along the way and communicated everything that needed to be done. He got me a lower rate and was there to answer any questions. Definitely recommend if you're looking to refinance."

Lauren L
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"Dustin was so helpful during my loan process, whenever I had a question about something he got back to me quickly. He definitely made the process easy and smooth leaving me with no worries! Thank you again Dustin!"

Jakyra S
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"It was so easy working with this company the the consultant Randi was especially helpful in walking me through the process and it went really quickly so fast in fact I was truly amazed & happy I would recommend Auto-approve to everyone."

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"AutoApprove is a real business! They find me a bank approve to refinance my truck for 2.99% vs my old one 5.99%. Lower interest rate save me at least 10 months payments! It may take from approval to funding but it is normal. Once you signed DocSign electronic and approved from bank, then it is done. Wait for bank to process paper and send check to psy off your loan. Charlie"

Charlie V

Car Loan Interest Rates with Auto Approve

Auto Approve’s advertised car loan interest rates start at 2.25%*** APR. This headline rate is based on their terms example of a 2019 or newer car with a 730 or higher FICO credit score (prime or super prime bracket) paired with a auto refinance term of 72 months or longer. Your actual loan offers and approval may vary and are based on your individual information, vehicle qualification, credit score, and other loan factors.

Middle of the Road Lenders

Why Choose Auto Approve?

Auto Approve may be a great choice to refinance your car if your credit score falls in the upper 500 range and you are looking to refinance your car, truck, SUV, RV, ATV, or boat. They offer loan options for multiple vehicle types with their dedicated team helping you along the way which can save you time and money.

Serving All 50 States

Auto Approve offers refinancing to driver's in all 50 states. Find the loan option that is right for you from Alaska to Florida.

Loan Offers Valid for 30 Days

Need more time to think about refinancing your car? No problem! With Auto Approve, offers are valid for 30 days.

Free Quotes with Fee on Finalization

Only pay when you want to finalize your refinanced loan. Getting a quote is easy and free. Start your journey now.

Auto Approve Fees and Things to Know

Auto Approve does not charge a car loan refinance application fee. Quotes are provided free of charge. There may be charges during the refinancing process related to administrative fees, title transfer fees, and state fees associated with your location or geographical region. Adding additional products to your refinanced loan can incur fees as well if you choose to add additional products like GAP (coverage or insurance), extended warranties, or service plans.


Rates starting at 2.25%***

No social security number (SSN) required to see rates

No markups

Less paperwork, less time, and lower payments

RV, ATV, and boat refinance

Auto lease buybacks offered

A+ BBB rating & accreditation

Auto Approve has a 4.7 star rating Google Review

***2.25% interest rate is based on Auto Approve's qualified example of a customer with a credit score of 730 or higher combined with refinancing a 2019 or newer vehicle over a term of 72 months or longer. Actual interest rates may vary.