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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.

Lender Type
Marketplace
Interest Rate
2.25%***
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
580+
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

Short but sweet
I wasn't with you guys for long since I did a trade-in on my original car, but you guys got me a good deal.

Oh Susana!
Received information in the mail about the company. Thought I'd call the number. Immediately worked with Susana. She was very responsive and was a great hand holder throughout the process. She moved things right along.

What a great company
Things were handled quickly and professionally.

Shout out to Susana Lopez
My contact is Susana Lopez and she has been very clear through each step as well as responsive to my questions. Auto approve made it very easy to refinance and was able to lower my interest. I would gladly recommend them to others.

I'LL TELL YOU WHAT WENT WRONG...
I'LL TELL YOU WHAT WENT WRONG.... THESE PEOPLE AMP YOU UP ABOUT GETTING YOU A GREAT RE-FI DEAL AND ALL THE PERKS THAT COME WITH IT BUT FORGET TO VERBALLY TELL YOU THAT THEY'RE GOING TO ADD THOUSANDS ON TOP OF THE LOAN.... MY CAR A MERCEDES BENZ 2017 E-CLASS HAD 3K IN EQUITY AND THE AGENT WHO WAS "HELPING ME" HIS NAME IS (DORIAN TELL) SCREWED ME AND TOOK MY ORIGINAL LOAN FROM 18K (WHAT I HAD LEFT TO PAY) ALL THE WAY UP TO ALMOST 21K. NO WHERE IN OUR CONVERSATION DID HE MENTION ANYTHING ABOUT RACKING UP MY LOAN AND GOING FROM 7% TO 9% THIS COMPANY RIPS YOU OFF AND ARE A BUNCH OF VULTURES. I WOULDN'T RECOMMEND.

Lower rates
They were able to lower our payments and interest rate. Agent was friendly and helpful and quick to return calls.

Friendly helpful service
Friendly helpful service. Fast response. Confusing info from text and emails though, needed to keep calling for clarification.

Quick response to my loan request
Quick response to my loan request. High marks on the document sharing and approval process. Professional delivery and exchange of information. Honest and up front dialogue with no ambiguity.

We had no idea what to do what to…
We had no idea what to do what to expect and no one volunteered. to much on line info and not everyone has internet or it is not very good this is country not big city.. And we have heard nothing about our title so I would suggest step it up because our home loan was alot easier . This was not what I mory wife expected to we will see how the next step takes me I ask for a date change after 1st payment again do online seriously. ???

Very good communication
Very good communication, worked with me on everything, great rate and now I have better coverage.

i understand i wasnt easy to get…
i understand i wasnt easy to get approved with my lower than it should be , credit score Brandon Lewis and co workers made it happen lets go brandon

Definitely a 5 star!!!
Definitely a 5 star!!!! Customer service was off the chain! Follow up was even greater!! Thanks Auto Approve!!!

I gave them a 2 star because they…
I gave them a 2 star because they helped find a good rate for our car loan. Other than that, they do not communicate very well. Took them days to respond to documents I’ve uploaded to them and they’ll ask for one thing per day.

GREAT JOB ON GETTING A BETTER INTEREST RATE.
Lowered my interest rate which lowered my payment. Good Job!!!!

Shop around before committing
The guy that helped me was super impatient. Every time I reached out to him he seemed like I was aggrevating him. I almost left and went to another company. I would shop around before choosing auto approve

Smart
Smart, responsive staff.

Friendly staff but not the easiest…
Friendly staff but not the easiest refinancing I've done. My suggestion would be to make the whole process more streamlined and get a website where custo.ers can track the progress.

Thank you for low interest load
Thank you for offer low interest from mail letter and we happy low payment

To be honest I was at 1st quoted $356 a…
To be honest I was at 1st quoted $356 a month . That price you couldn't declined on . When I was sent the documents to sign it ended up being $452 with no mention of $3 dollar charge for monthly payment fees . Plus the website is difficult to make payments I was better off paying $505 to capital one with no hidden fees . At least with them I was quoted the exact amount without the pressure of signing it before an expiration. Next tiem be upfront about and don't make others feel pressure about signing something with miss info quotes and pricing fees .

the company was good and bad!
the company was good on getting me refinanced and approved it was quick and easy the bad part was that the agent I spoke with was dishonest and made me feel as if I was coerced into getting refinanced. let me explain,he told me I will be getting 90 days no payment interest free and any payment that I make before the 90 days will go straight to the principal,well that wasn't true. when I spoke to the refinance company they told me that I would be getting 90 days no payment but the interest starts the day that they refinance me, long story short if I hadn't start paying on my car before the 90 days my first two payments would have been all interest! so to anyone out there that's trying to get refinanced just know your interests starts the date of your refinance regardless if you don't have to make a payment for 30 60 or 90 days!

Great service
Worked with a gentleman named Greg and helped through the entire process. Really made it a simple and quick process!

Refinance with Auto Approve!
I was impressed wirh Phil by his professionalism, the agent who helped me through the whole process of financing my auto for half the payment. I would recommend Auto Approve to anyone who wants tp refinance their auto!

I worked with Leanna ans she made the…
I worked with Leanna ans she made the process easy and without stress for me. It was a great experience!

You can have a low credit score I’m mileage, vehicle, still refinance and get a lower APR
You can get a perfect interest rate with a lower credit score

Very helpful and very…
Very helpful and very knowledgeable.everyone was extremely friendly.

Auto Approve made my refinance super…
Auto Approve made my refinance super easy. The loan was processed quick and the process was very easy to complete. Thankyou Auto Approve!

Dropped my monthly rate 80 a month.
Dropped my monthly rate 80 a month.

I wasn't happy with the final payment…
I wasn't happy with the final payment after we received a letter saying the payment could be lowered to about 500 but it only went down about 70 dollars.

Nice ppl got me a good rate!!
Nice ppl got me a good rate!!

Great work I appreciate the help and…
Great work I appreciate the help and checking up on the customer I would recommend them any day

Is the best company to help the peoples…
Is the best company to help the peoples to reduce the payment

Jake Minks was very helpful
Jake Minks was very helpful, it was clear understanding from him.. He never left me in the dark.

These people have customer service down…
These people have customer service down to a science, always going the xtra mile to help.

Didn't waste valuable time!!
Fast, friendly service and reduced my monthly payment by almost $200 per month!!

Josh was very helpful
Josh was very helpful. My only issue was sometimes I didn’t get a response to texts or emails.

Thank you for helping me to get the…
Thank you for helping me to get the loan approval and release my financial hardship, the rep she is super help and professional help me to decide what are good for me and get better rate , amazing , help me saving lot of money from high rate credit and other higher loan plan , quick response and professional, highly recommended

Such great customer service
Such great customer service

Wonderful customer service and speedy…
Wonderful customer service and speedy process.

Communication was great
Communication was great, quick, efficient and friendly. Would recommend

Steven was great to work with!
Steven was great to work with! He would keep me informed about what was going on.

Still waiting for check for over…
Still waiting for check for over payment to previous lienholder

Dominique my auto approve specialist…
Dominique my auto approve specialist was not as professional as I’d like. First off she didn’t give proper instructions on how to fill out my DMV paperwork and when they were filled out incorrectly she never got back to me! After a week I had to call her and that’s when she told me they weren’t filled out right and used the excuse that she thought someone had already contacted me from a different department to let me know. My old loan was a week away from a due payment at that point then once I sent back all the correct paperwork to auto approve it took her forever to process it and I was worried about having a late payment on my credit while the paperwork processed. I left her 2 voicemails trying to get some clarification to relieve my stress and she NEVER got back to me finally 2 weeks later my new loan was open when auto approve and my old one closed but waiting and wondering for 2 weeks was unacceptable I’m am DISAPPOINTED in her service.

They did amazing job it
They did amazing job it. They got us approved and short time frame.

The process was very smooth.
The process was very smooth. My representative was very through, friendly, helpful and most import knowledgeable.

Great coustomer service and help…
Great coustomer service and help through the process thank you for being up to date and prompted with the process and easy

Totally Mislead me ADDED $2000 to my…
Totally Mislead me ADDED $2000 to my Already overpriced Loan!! Deeply Regret Ever Responding to their repeated notices!

Everything that is advertised!
Very helpful and truthful about expectations!

Auto refinance
The staff was great informative

The worst I am so disappointed
The worst I am so disappointed. It is going on 6 months, and I have yet to receive my registrations and new license plates. I have not been able to speak with the person who handle my paperwork they always say she will call you within the next day and still haven't heard a thing in six long months. I have not been able to drive my vehicle because I have no registrations. I make my payments on time I spoke with the bank, and they told me they have no paperwork from auto approve for my vehicle. I told the bank they will not receive another penny from me until I get my registration and license plates.

Susana Lopez helped me refinance my car…
Susana Lopez helped me refinance my car and she was amazing! Quick responses, clear explanations, and was very patient as this was my first time refinancing! She made the process easy and smooth. Thank you Susana!!
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.
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
4.5
Over 340 Reviews
Better Business Bureau
See Company Profile
"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."
"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!"
"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."
"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"
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.
Highlights
***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.