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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

Agent rating and review
Susana lopez was incredible quick and helpful. She Helped me refinance quick and always had a response as soon as possible, highly recommended.

Jason has been absolutely awesome!!!!
Jason has been absolutely awesome, patient, and great to work with through all these months. It started @ 6 months ago wanting to refinance my keep which turned into refinance my 2 oldest sons to get them off the co-sign loan. He patiently helped them and stayed in contact with me until their cars cleared off my credit. He was able to get mine done this month and got us below what we hoped to do payment wise and a better warranty!!! Absolute treasure to your company, don’t let him go!!!!

Positive experience & great rate
Richard Smith was very professional, informative & efficient. We were very pleased with our refinance rate and terms. In addition the process was so simple and smooth. The on line notary was very convenient and expedited the process. Overall we had a very positive experience and highly recommend!

Quick, easy, efficient
Quick, easy and efficient

Very Helpful !
Very friendly, and Consistent. They were able to reduce my monthly payment by about almost $300 and the interest rate is almost half of what my old lender charged me.

Zero stars
Terrible communication ignorance has been displayed with everyone I’ve had the unfortunate of working with I’ve been ignored for well over 8 months and every time im promised a call back it never happens very unprofessional especially for dealing with your whole form of transportation and wallet zero sense to f urgency and constant and I mean STEADY LIES never tell you the whole truth awful and shady I have no idea how they are rated as high as they are I’d give a zero if I could disgraceful and lazy employees

Got letter in mail
Got letter in mail. Called number. They promised a lower payment. Didn't deliver. Just lowered my credit score. Do not recommend!!!

It should work but not for me (yet)
I don't know what to think of this company, they sent several letters to my house until I was convinced. I sent the Pin of the letter, I received txt to send VIN and Miles of the car. In the message it says that everything will be solved txt message, for me it's great, I'm learning English, so a translator helps me. A person called some time later, I asked to speak to me a little more slowly, they hung up. Then a Spanish person called, I said I understood him, but I asked him to go slowly again, he said he didn't understand me and hung up. I spent several txt msgs and they do not respond if the process is in progress, if it is stopped, what do I need to send, if I could talk by txt or email. And email also do not respond. This kind of service is really complicated. I would like to get a reduction.

Taylor Smith was so helpful throughout…
Taylor Smith was so helpful throughout the whole process. It was very quick and easy and he was so informative and quick with having my paperwork ready for me. He made sure that I was aware of everything happening during the whole process. I will recommend Auto Approve to all my family and friends. It was a pleasure to work with Taylor Smith

Not a straight forward smooth process
The process started off seemingly smooth but then got worse over time. I was told several times that I was almost complete and I got told "The final thing you will need is this or that" then I would get told that several more times while having to keep sending in more and more information. The process was not easy going at all and took up a lot of my time over I believe what seemed like 2 plus weeks. My credit was pulled and they found a bank, I signed all papers, I got an email saying thank you for working with Auto Approve and the process is complete. Shortly after that email another Auto Approve worker reached out to me saying that they just talked to the bank that approved me and they need more pay stubs...after I already sent in the amount of paystubs they initially asked for. In the end, I decided that all of this hassle was not worth saving maybe $80 on my refinance and I told them that I am done with them and will be looking elsewhere in the time to come. They never replied back, but at this point I am just very happy to not be working with them anymore. The Auto Approve workers assigned to me were never rude or anything and they seem like decent people. Just was a very unpleasant process and never ending experience with always needing one more thing. Big weight lifted off of me not dealing with them anymore and that says a lot that I'm willing to keep paying my high payment for the time being instead of dealing with them. I believe the workers assigned to me were Kayla Lauber and Shawn Sadhoo.

Charles Mwaura review!
We got a letter In the mail saying we could get our car note lowered & the interest. At first I was scared thinking this would be a scam but I talked to Charles Mwaura apart of the superstars team & he was fantastic every step of the way!! He helped with everything, I asked the same question over & he helped me understand certain things better. I’m glad we got connected with him, he has a lot of patience & extremely helpful. I’ve read some mixed reviews mainly stating the customer service went down after covid but I can’t agree to that my experience has been great, ready to start this journey!!! Thank you!!!

Great experience!
Susana Lopez was such a huge help. My auto refinance was approved and funded in just a couple days. She made the process smooth, quick and easy. She answered all my questions promptly and was a pleasure to work with.

Susana Lopez went above and beyond what…
Susana Lopez went above and beyond what you could ask. She walked me through every step and explained everything thoroughly. I can't say enough nice things about her or Auto Approve.

I worked with Susana Lopez
I worked with Susana Lopez. She was amazing even while feeling sick. She answered all my questions. She responded to my text messages with in a few minutes. I never felt like she left me hanging. She walked me through all the steps and she kept me up dated and the progress of my refinance.

We signed up and had our credit pulled…
We signed up and had our credit pulled - just for our person of contact to not respond to us for a month, so we had a hard credit pull for what?

Chris was great to work with
Chris was great to work with. He made everything very clear and answered any questions I had. The process was easy and done right over the phone. He was very helpful and outgoing. Anytime I called with questions he was there to answer. Walked me through the whole process got me a great extended warranty and lowered my APR by 3%>. Overall a good experience

False advertisment
You guys sent me a text saying that I’ve been pre approved for refinancing for my car payment. All of a sudden now I’m not approved.I’m sending this in to the bbb and see what can be done…

Jay D did a great job at helping me…
Jay D did a great job at helping me through the process.

I wish I could give a negative 5 star
I wish I could give a negative 5 star. Total scam and waste of time. Once you send your information you can never get a hold of anyone. Left several messages for my rep Kaitlyn to be ignored. Read the reviews thought they were legit but don't think I will ever hear from anyone again and wish I knew what they were doing with my information. Waiting for fraudulent transactions to dispute in middle of building my credit up. DO NOT RECOMMEND AT ALL!

It's a total SCAM
It's a total scam! They did give me a lower interest rate BUT what they failed to tell me is that I would be financing more than what I did on the original loan and paying back more than I would on the original loan. Not to mention I would be going from a 5 year loan to a 7 year loan. Plus $550.00 for Processing & Administration fee's.

Susana made thins for easy for me an…
Susana made thins for easy for me an understandable

Travis
Travis did all of my documentation on my account. He worked diligently everyday to make sure my loan got paid off as quickly as possible. He even followed up with me after his job was done to send me all the tracking information to see when my loan would be paid off with my lender. He’s is an outstanding young man and went above and beyond to help make my refinancing exceptional

I received a lot of help and…
I received a lot of help and information along the whole process thanks to Charles and the rest of the Auto Approve crew. Overall it was an easy and pleasant experience I will definitely be using Auto Approve service again in the future if needed. Thank you Auto Approve!

Patience is hard to come by
The Representative Richard Smith was most helpful patient and knowledgeable. Being a senior ..there are times when your not quick to get things correctly Richard encouraged me by saying the right things Even when they outcome wasn't correct Kudos Rick for being great guy...

Great serve from start to finish.
Everything was very clear from start to finish. easy to understand, no gray areas. straight shooters.

Susana was very quick to keep me…
Susana was very quick to keep me updated and answer all of my questions!

Auto Approve
The agent was so easy to speak with and available constantly when I had questions! I’m so Happy to have worked with them as they helped me out alot to save money on the car loan.

I inquired about lowering my monthly…
I inquired about lowering my monthly payment on my suv. I have roughly half way to go. AutoApprove wanted to redo my entire amount left so yes it would lower my monthly payment but make my suv more expensive. Paying back $28k in 36 months is alot better than paying $58k in 84 months. Thats not saving me money, thats giving you all $30k! Uh NO!

Bad company no follow through poor customer service
Bad company. Stay Away!!! I financed my car through Auto Approve in September 2021, paid my fees, signed all paperwork. Started making my payments. In June 2022, about 8 months later. I realized that the sale had never been registered with NJ MVS. Chase financial had never sent the necessary paperwork to AutoApprove and AutoApprove never followed up with Chase and just let it languish (for 8 months). After some mutual finger pointing between Chase and Auto Approve Auto Approve received the title in early November It was now about 15 months since I made the transaction. I received a very terse note from Auto Approve saying that they were going to submit the paperwork to NJ this was in December 2022. I pointed out to them that NJ wouldn't accept it since the vehicle's registration had now expired. But as far as I know they sent it in anyway. That was two months ago. Havent heard a word since. In the meantime I am driving a car I dont legally own, and my registration is out of date. I could be pulled over and have a ticket written for me at any moment. Now I understand that part of this is due to Chase Financials incompetence and part of it is probably due to how hard NJ MVS is to work with. But a good bit of it falls to Auto Approve. Their responsiveness was (and continues to be) lousy. and you would have thought that at this point they would try to expedite things after waiting for this long, but that hasnt happened. 18 months..... And counting..... In summary, there are a lot of other companies out there that finance cars. You are better off going with one of them.

Great company
I recently had refinanced my truck with auto approve and had a great experience. I dealt with Susana Lopez, and she was everything I could hope for, attentive, knowledgeable, helpful,well spoken and very easy to communicate with.SHE made my experience easy and stress free.

Amazing customer service
The customer service was outstanding .... no matter how many questions I ask Jay D was there to answer ..with a calming reassuring voice.Best ever

Susana was extremely candid and had…
Susana was extremely candid and had great conversations with me. I felt she was knowledgeable and had my best interests at heart.

Lease Buyout - Good Terms - Great Service
I used Lending Tree for a Lease Buyout. My first "offer" was from someone other than AutoApprove. I went through the entire process only to learn my payment mysteriously jumped up by almost $100/month overnight. I refused to sign and called AutoApprove. They heard my story and understood how to get me the right loan at the right rate. The personal attention I got from Brad Boehmer was A+. I will highly recommend.

Way better than expected…
Charles and his superstar team were awesome. The whole process took less than 2 days, start to finish. I got a much lower interest rate and my car payment dropped over $100 a month.

This company has been the worst I have…
This company has been the worst I have ever experienced! Our credit report was ran, from that moment on we got a complete run around! I was confident in the reviews but had a completely different, horrible experience. Three different loan consultants, all showing complete disregard for our questions for 2 weeks after they offered refinancing. Received a text that stated "sorry you couldn't reach me, I had a busy weekend "! What kind of customer service is that!!?? Called customer service and was disconnected twice! Would never work with this company, I would rather pay a high interest rate after dealing with how poorly they treat their "customers"

Excellent experience
Taylor was very knowledgeable, detail oriented and pleasant throughout the whole process. Heade it easy and quick. Thank you Taylor!

Misleading and a waste of my time.
Misleading and a waste of my time.

Fast and easy process
Fast and easy process. I got a much better interest rate and a deferred payment!

JD was very pleasant and professional
JD was very pleasant and professional, the whole process was smooth and very easy . He is an expert and understands his business. Would recommend to anyone.

Kyleigh
Kyleigh Kyleigh was so helpful throughout the whole process. It was very quick and easy and she was so informative and quick with having my paperwork ready for me. She was such a pleasure to talk to as well. She made sure that I was aware of everything happening during the whole process. I will recommend Auto Approve to all my friends and family and definitely give them Kyleigh’s name

Susana Lopez was great to work with
Susana Lopez was great to work with! She answered all my questions in a timely manner and completed everything very fast!

I applied for a refinance loan which…GOT APPROVED but they wouldn't send me the hard copy docs to sign as I couldn't open DOCUSIGN and I told Liam Bennett and Kari this MANY TIMES.
I applied for a refinance loan which WAS APPROVED by PenFed. I was sent docs to sign, which I notarized and sent back. I was unable to access Docusign as it wouldnt' let me open their new docs to sign and return. It kept saying "Error: cannot open document." I told this to Laim Bennett MANY, MANY times. I asked him and Kari, the person assigned to me to SEND ME THE DOCUMENTS TO SIGN VIA UPS. The Loan Processing center kept sending me documents thru DocuSign. I called both these people many, MANY times with no results. I was shoved from person to person, and couldn't get ANYONE TO HELP ME. WHAT DO THEY DO IF SOMEONE DOESN'T HAVE A COMPUTER? HOW HARD would it have been to send me a hard copy of the loan docs to sign and return?? After ONE LONG MONTH of phone calls, vmails that I left, and NO CALLBACKS, I gave up and went to another company. PLEASE GO TO ANOTHER REFINANCE COMPANY. DO NOT GO THRU THESE PEOPLE. They pulled my credit and cost me CREDIT POINTS with NO RESULTS. I have excellent credit but couldn't get these people to help me and resolve this issue.

Hassan is the worst to talk to
I had recently gotten a voicemail from one of your employees named Jeff that had said I was qualified for a loan. When I had called his number another employe picked up by the name of "Hassan" in which had told me that I do not meet the minimum debt requirement of 10k. I was not finished and he hung up the phone as I was speaking.

I refinanced with Auto-Approve back in…
I refinanced with Auto-Approve back in April 2022, after which servicing was transferred to Veridian Credit Union. However, Auto-Approve never sent the Title to Veridian, which I only discovered when I moved from Hawaii back to the mainland in mid-November 2022. I have been unable to ship my car due to this oversight for over two months and the most recent estimate has them being unable to produce the title for another 30 business days or roughly 2 months. By that time, if im able to ship it, I will only then be able to get my car in the normal 4-8 weeks. This will have caused me to be without my vehicle for nearly 6 months due to an avoidable clerical oversight. Thanks a lot Auto-Approve

Susana Lopez was beyond amazing
Susana Lopez was beyond amazing! She's very professional, easy going, patient, and very understanding! I just love her positive energy and how she made me felt so important doing my process. She really took care of me. I am truly grateful! Thanks for the awesome experience. I highly recommend her! 5/5

I got a letter in the mail about this…
I got a letter in the mail about this company decided to look them up and reviews ever 5 start review seems to have a specific name and how great they where seems like they are pumping fake reviews in to make it look better don't believe everything you see

I talked to Josue Zaragoza Carrera he…
I talked to Josue Zaragoza Carrera he said I was approved. I sent all my information and he told me it would take two days. I NEVER HEARD BACK FROM HIM. Very disappointing.

Susana Lopez was fast and very nice
Susana Lopez was fast and very nice. She made this an easy process and sent great information on the best way to complete requirements. She was very flexible with hours of the day that worked best for me and my family

Susanna Lopez and her team were…
Susanna Lopez and her team were absolutely amazing!! We would recommend them to anyone that needed help!!

I was "approved"
I was "approved", then after paying more to my current loan to make it go through, I was denied! This was after numerous calls and texts from them saying all was good! BS! Be careful on what they tell you
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.