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About AUTOPAY
The AUTOPAY lending marketplace is similar to RateGenius. They operate with the idea of making your car loan fast and easy. After their recent acquisition by the same folks who run RateGenius, they are held under the same parent company of The Savings Group Inc. However, they are still operating as a separate entity at this time. AUTOPAY offers new car refinancing as well as auto loan refinancing.

Lender Type
Marketplace
APR Rate
1.99%***
AUTOPAY's interest rates start at 1.99%***. Rates vary taking into account things like vehicle, credit history, and loan term. Check out with AUTOPAY for details.
Credit Score
560+
AUTOPAY's car refinance services are gauged toward applicants with credit scores of 560 and higher. Find a lender for your bracket.
When Applying
Lease payoff and cash out refinance opportunities. Loan assistant guided process.
Getting Started with AUTOPAY
Solutions for Auto Refinancing
These steps will get you started with your AUTOPAY application.
Plan to Qualify
Before you start your AUTOPAY application, do your best to understand if your credit score will qualify you for a new auto loan.
Set Up Your Docs
A few types of documents are needed to refinance your car loan. They include info about your vehicle, yourself, and your loan. Collect these ahead of time.
Run the Numbers
Use an auto refinance calculator to see estimated car payment savings ahead of refinancing. Doing this can let you know how much you may save.
TrustPilot Reviews
See what AUTOPAY's customers have to say on Trustpilot.

AUTOPAY was originally founded in 2007 with the goal of helping more drivers. Their headquarters is near Denver, Colorado and they have helped thousands of car owners refinance their loans. Like RateGenius, they serve customers in all 50 states throughout the United States. The borrower qualifications vary by lender since they operate on a marketplace model.
They provide different types of auto lending from new car loans to refinancing your current loan. For new car loans, AUTOPAY can help you set your budget, shop for cars with financing secured, submit your loan application (when you’ve found a car), and e-sign your documents to finalize the lending process.
For refinancing, AUTOPAY offers several solutions including traditional refinancing, cash back refinancing, and lease payoff refinancing. Traditional refinancing can help you make changes to your current loan like reducing monthly payments or decreasing your interest rate. Cash back refinancing can get you the money you need now by using the value of your vehicle. Lease payoff refinancing can help you hold on to your car when the lease ends.
The AUTOPAY and RateGenius merger should help to strengthen both of these marketplaces. Once viewed as potential competitors, the merger helps share resources and refinance knowledge between the lending teams. The joining under The Savings Group Inc. now combines an estimated 550 team members with transactions over $2 billion according to the AFJ.
AUTOPAY’s headline rates are similar to other lending marketplaces. They highlight an average monthly savings of $96 per month with rates as low as 1.99%. Their website states an average interest rate decrease of 6.99%. The savings rate appears to be exactly the same as RateGenius, so there may be some shared data aggregation between the merged companies (or the same operations model with shared lending partners).
Their marketplace is an applicant-to-lender matching system. They work with customers each step of the way to walk you through the refinance process. It appears AUTOPAY is sharing the same lender network (either partially or fully) as RateGenius, so you may receive a similar experience working with either company. AUTOPAY also has GAP and VSC contract options as well.
AUTOPAY Application Flow
The AUTOPAY application portal is pretty tech-forward. It handles both new car purchases and car loan refinancing on their website. You begin the process by entering your first and last name and choosing if you want to apply with only you or with a co-borrower. The next step depends on what you selected previously.
If you choose the purchase option, the form will ask if you are buying from a dealer, private party, or lease buyout. If you choose to refinance, you will skip this step. Next, enter your contact info (email and mobile phone number) and date of birth. In the next steps you will need to have your address, residence, and vehicle info ready along with any co-borrower information (if selected).
Documentation is required including your
- Driver’s license
- Insurance
- Proof of income (e.g. W2s, paystubs, or tax returns)
- Proof of residence (e.g. utility bills, lease agreements, etc)
- Payoff letter (if refinancing)
Other fields will populate later in the form depending on your initial selections. This may apply to your purchase selections (like buying from a dealer versus private party versus lease buyout) and refinance details. Soon after these steps, they conduct a credit report pull (soft credit pull), and you will arrive at the offer selection screen. This is where you can see potential rates and lending options.
Select the lending option which you feel is best for your situation. If you have questions, you can usually talk to a business development representative, loan assistant, or officer. When you move to lock in your offer they will do a hard credit pull at that point in time which will affect your credit score. This is one of the steps in the lending process and lenders typically require it before issuing a new line of credit.
AUTOPAY offers additional assistance when it comes to the closing process and finalizing your loan. Here, closing coordinators finalize the details and title agents help with the titling paperwork. Documents are completed through e-signing helping to make things quick and easy on the backend. They also provide additional resources like their auto loan calculator to help you see savings.
AUTOPAY Google Reviews
Trusted by Thousands of Driver's for Refinancing
4.7
Over 4,309 Reviews
Google Business
See Company Profile
"AUTOPAY is really helpful and I’ve had an amazing experience with them. They answer any questions you have and are very fast with results. I had the pleasure of working with Garrett and he continued to keep me updated with information and answered all my questions. He was very patient and knowledgeable. The process was very quick also. 10/10 would definitely recommend."
"I called to inquire about refinancing my car to get a lower monthly payment. I gave my information to one of their representatives and the next day Ryan a loan specialist contacted me to let me know he was working on my refinance. He was able to get the refinance done in just a few days with a much lower payment. He was great to work with and very responsive to my questions. I would definitely reach out to him again if I needed to finance another car. Thank you Ryan for all of your help."
"Filled out an online form, was contacted same day by Jordan. What a great guy too, very friendly and personable. He told me he was new to the company, but he did his job well! Got my rate cut in half on my refinance, and the whole process was very smooth, thanks for the help!"
"It was an easy and painless process. Our loan officer was very helpful and kept in contact with us through the whole process. I have already told no less than ten people about then. Rob was great to work with. I would not hesitate to call them again.."
Car Loan Interest Rates with AUTOPAY
AUTOPAY states their headline interest rate is as low as 1.99%*** on their website’s homepage. This number is interesting since there are no qualifiers or terms around how their rate is calculated. Based on what other lenders like Caribou state, it probably requires vehicle owners to have a higher credit score in the mid to upper 700s on a newer vehicle and a shorter loan term. This would make it consistent with other lenders and lower than RateGenius’s stated rate of 2.99%.
Lower Your Car Payment
Why Choose AUTOPAY?
What does AUTOPAY do best? They can help to lower your car payment each month which is more money you can save or spend on other things you need. On average, customers save $96 with rates as low as 1.99%***. Is your rate higher than that? Check with an AUTOPAY loan assistant to see if you can save!
Lease Payoff Financing
Do you currently have a leased vehicle? AUTOPAY can help you through a lease payoff option. This lets you keep your vehicle and finance it!
Auto Refinance Expertise
AUTOPAY has been in the business of refinancing cars since 2007. Their experience helps you save over the life of your loan.
Coast-to-Coast Lending
Need a lender in your area? AUTOPAY provides refinancing options from coast-to-coast in all 50 states.
AUTOPAY Fees and Things to Know
AUTOPAY most likely does have an origination fee. This would apply when they submit your application to a lender. While this is not stated on the AUTOPAY website, it is probably similar to RateGenius’s fee of around $400. To apply, you can submit your application for free and check rates. If you choose to use AUTOPAY for refinancing, ask your loan assistant for detailed fee notes and associated costs.
Highlights
***1.99% rate based on unknown factors regarding vehicle, credit score, and refinancing term. Actual rates vary. Check with AUTOPAY for more information and specific details.