Refinancing Your Car? Find the Best Auto Refinancing Companies and Car Loan Lenders

Learn about the process to refinance your car and top loan companies and providers.

About Auto Refinancing

Are you thinking about refinancing your car? Auto refinancing is one of the easiest and best ways to change up your car loan. The process allows you to select a loan from competitive lender offerings with a new interest rate and payoff term. The resulting monthly car payment can actually save you thousands of dollars a month over the life of your refinanced car loan when compared to your current loan.

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Best Lenders Table of Contents
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    Choosing an Auto Refinance Lender

    Choosing a lender can be one of the hardest things to do in the auto refinance process. There are many lenders all offering different loan options, interest rates, and terms. Here are a few of the best auto refinance lenders who standout from the rest and what you need to know about their lending platforms.

    Caribou

    Lender Type

    Marketplace

    $110+ Avg Savings Per Month

    A+ BBB Rating

    4.0 Google Rating

    Online Marketplace

    Large Lender Network

    $399 Processing Fee

    APR Rate

    2.83%

    Caribou's featured rates are as low as 2.83% APR***. See the Caribou review for details.

    Credit Score

    650+

    Caribou works with people interested in refinancing who have various credit ratings including good ranges of 650 and higher.

    Austin johnson
    Austin johnson
    January 21, 2023

    Loan officer was amazing

    Loan officer was amazing. Everything was very simple and he talked me through the entire process.

    Torri Bernard
    Torri Bernard
    January 20, 2023

    My Lead Loan Officer Nina Tapias I…

    My Lead Loan Officer Nina Tapias I would say was extremely help and friendly. I was nervous about the process in the beginning but she made it easy and comfortable. Really great job she did when it came to help me through the process. Very professional!!!!

    Danny Bean
    Danny Bean
    January 19, 2023

    Fast and Effective with shortest term…

    Fast and Effective with shortest term with lower interest and payments

    Ben LeVay
    Ben LeVay
    January 19, 2023

    Terrible experience

    Terrible experience! was working with them on a refi but their loan officer (dont wana get him in trouble) mentioned that half the company was laid off and he himself wouldnt recommend refing with the company because of that and shady practices like the insane $400 fee for being a middleman. oh well, i will go directly to the credit union!

    Shannon
    Shannon
    January 11, 2023

    Convoluted is an understatement

    Convoluted is an understatement. If you happen to deal with Brian, prepare yourself for resending the same documents and retaking dozens of photos of your i.d although every picture sent all information is clearly visible. I’m fed up with Carabou’s hoops. Save yourself the trouble and deal with the lender directly.

    John Lammers
    John Lammers
    January 10, 2023

    Nina from Caribou was very helpful and…

    Nina from Caribou was very helpful and was very quick to respond to my questions.

    SHAWN GRIES
    SHAWN GRIES
    December 30, 2022

    Horrid

    Horrid, still submitted my hard pull after many requests not to. Had to contact Transunion and Tower Federal Credit Union(their main go to). To do a reversal with my proof. The 1 day deal was 10 days. Maybe the hardest place to contact in the world. The $400 fee they charge you can be waived if you go directly to Tower Federal Credit Union yourself with Caribou.

    Candy H
    Candy H
    December 23, 2022

    The process was easy and My Agent Was…

    The process was easy and My Agent Was very Helpful and always available if I had a question. Thank You Arthur Scott for making this process easy for me!

    Adam Jones
    Adam Jones
    December 19, 2022

    Great rates, long funding process, customer service process not great

    Caribou did a great job in finding me a lower interest rate and payment but fees were extremely high and not informed about fees until end of process. This process was also very time consuming with a lot of back and forth. Communication was not great with officer as there were several issues with documents that I was not informed of and had to reach out to get and update that further actions were needed in which I think made the process take longer than it needed. Overall it seems as though once you sign and commit to your new contract, the customer service declined and you were no longer a priority.

    Fel Mar Vagilidad
    Fel Mar Vagilidad
    December 15, 2022

    I was looking to refinance my car

    I was looking to refinance my car, I found out Caribou and gave it a try. It was quick and easy Mr Arthur Scott walked me through from start to finished, after a week of sending and signing documents I got approved and funded. Good job and well done!

    Jayne Perkins
    Jayne Perkins
    December 10, 2022

    I sent everything needed to refinance…

    I sent everything needed to refinance my car loan and Colby was very helpful in getting approved and was always available if I had any questions.

    Amina
    Amina
    November 18, 2022

    The application process was easy

    The application process was easy, and the loan officer was great at communicating the next steps. the whole process, from the application to the funding, took two weeks. My interest rate, as well as my monthly payments, went down.

    Josh Powers
    Josh Powers
    November 17, 2022

    Great Vehicle Refinancing

    Refinanced my truck through Caribou. Arthur was great to work with, He kept in contact through the whole process and made it as easy as could be. I would certainly do it again in the future. Everything was completed in about 3 business days.

    Arithia W Calhoun
    Arithia W Calhoun
    November 11, 2022

    What made my experience great is I had…a nice person to explain explain things.

    What made my experience great is I had a really nice person to help me in refinancing my loan I thank Arthur Scott from Caribou he was a great person to work with he told me all the information I needed for my application he was a great help thanks Arthur Scott for making my experience great. Arithia W Calhoun

    Jessica Mehr
    Jessica Mehr
    November 8, 2022

    Dishonest sales tactics

    I wanted to refinance because I had a high interest and long term so I wanted to decrease both. I knew by doing so this would increase my monthly payment significantly which I was ok with. During the signing process my agent really pressured me for more add-ons out of "concern" for me which would have increased my payment even more. I saw through his sales tactics but more gullible or desperate people may not have. Then in signing the contract I found out I had been signed up for auto pay without my knowledge. When I brought it to the agents attention I was told not having it would increase my interest rate which was I was never told. The up-sell attempt and dishonesty I would not recommend this company.

    Adrienne Williams
    Adrienne Williams
    November 3, 2022

    Skeptical at first, BUT was Wowed!

    Arthur Scott kept me updated throughout the refinance process. I got the rates I was looking for and it will save me $4500 in interest over the life of my loan.

    M CT
    M CT
    November 3, 2022

    Arthur is the best!

    Arthur was extremely helpful! He facilitated every step. From reaching out immediately after I had applied to answer my questions, to the paperwork needed to be complete, to finally guiding me thought the final steps of my approval. Thank you so much!!!

    Jessie Barrack
    Jessie Barrack
    October 25, 2022

    Saved us money and was so easy!

    We wanted to refinance our vehicle because our old lender kept making mistakes and providing poor service. Not only did Caribou provide excellent service, but they helped us lower our rate, term and payment! What a nice surprise and a great experience!

    Samantha Crisp
    Samantha Crisp
    October 19, 2022

    Amazing Customer Service

    Everyone I have spoken with during my refi process has being amazingly nice and helpful. I had been devoting doing a refi for a while due to a high monthly payment. I did some research and found Caribou. I have had a very pleasant experience with them thus far.

    Addis
    Addis
    October 15, 2022

    Nina Tapias

    Nina Tapias was very helpful in getting me a good interest rate on refinancing my car loan. She helped me every step of the way. I’m very satisfied!

    Vanessa Gutierrez
    Vanessa Gutierrez
    October 6, 2022

    I had a great experience due to Nina

    I had a great experience due to Nina. She was very thorough when explaining the process. She was there every step of the way helping guide me through it. Thanks again Nina! 10/10 recommend 🙌

    ISAAC LEE MARTIN JR
    ISAAC LEE MARTIN JR
    September 29, 2022

    Much Better Interest Rate

    I liked the fact that a much better interest rate was obtained, however it did take longer than I thought in underwriting, and CSR could have had better communication explaining the extended period of time it took. Finally, was not advised the anount of finder's fee to Caribou. But, the new interest rate makes everything better!

    N/A
    N/A
    September 29, 2022

    Poor Customer Service and follow up

    Chris provided horrible customer service and onboarding experience. On this experience alone, I do not think I will ever use Caribou again which is a shame.

    Danny A.
    Danny A.
    September 28, 2022

    Great auto-refinance experience!

    The auto refinance experience with Caribou was quick and easy. Fill out a form online, get an email and a call within a couple of days, and boom, new car low payment in a couple of weeks. They did all the heavy lifting, were pleasant, helpful, and informative in all our interactions, and I still feel like I got a great deal. Win-win.

    brian abney
    brian abney
    September 26, 2022

    Refinance from gm

    Seriously easy process. I saved 7% from my loan I just got a month ago at the dealership. Can't recommend enough. Good customer team. Very good experience!

    Jon Lange
    Jon Lange
    September 22, 2022

    Excellent

    This was the best experience I've ever had when it came to a loan. Arthur was very personable and professional. He explained things thoroughly and answered all my questions honestly. I would recommend him to family and friends. Thank you Arthur

    Jaki Brown
    Jaki Brown
    September 15, 2022

    The refinance experience was easy

    The refinance experience was easy. The representative was friendly and knowledgeable. The rate and terms are great. I recommend using Caribou for your refinance needs. Jaki Brown

    robert burroway
    robert burroway
    September 12, 2022

    Nina was helpful and walked me through…

    Nina was helpful and walked me through the whole process. She took extra time and communicated with me later into the evening then I would have expected because of the hours I worked she kept the process on track and help me complete all of the paperwork within time limit for getting the process done

    Sadie Durocher
    Sadie Durocher
    September 3, 2022

    Quick & Painless

    My experience with Caribou exceeded my expectations. Everything was so easy and went super quick. Communication took place throughout the entire process and my loan officer was so informative and kind. Would definitely recommend.

    Desiree Lal
    Desiree Lal
    September 1, 2022

    Kind and proffesional

    Hi! I just recently refinanced with Caribou. Joey was very wonderful, proffesional, and kind when walking me through the refinancing process. I was able to get a cheaper monthly payment, and a better interest rate at the same time. I am very appreciative with how stress free this whole process was.

    Zakiah Tyson
    Zakiah Tyson
    August 31, 2022

    I will like to start off by saying my…

    I will like to start off by saying my extwas great! Nina was very helpful she answered all my questions, and made the process so easy. I give this expression a 10/10 best decision I made.

    Betty Palomino
    Betty Palomino
    August 28, 2022

    Amazing Experience

    I am very happy that I chose Caribou for my auto refinance because my entire process when smoothly thanks to Danny D. Danny at Caribou was very helpful and answered all my questions promptly. If you are looking to refinance your vehicle you will be in good hands with Caribou.

    Jason Justian
    Jason Justian
    August 24, 2022

    Excellent Experience

    When you do something you don't do too often, like refinance a car, you want to be in the hands of somebody who knows what they're doing. Someone who's responsive, professional, and knowledgeable. Arthur Scott from Caribou is one of those people. The process was fast and efficient, done mostly via email or text message. I'd gladly do business with Mr. Scott and Caribou again, when the need arises. Thank you!

    KM Horton
    KM Horton
    August 22, 2022

    Nina Tapias

    Nina Tapias, the Loan Agent is phenomenal. She was patient answered all of my questions. Gave stellar customer service and had great communication. Most importantly saved me money.

    Smooth_ Orange
    Smooth_ Orange
    August 22, 2022

    Shaloom Useche, great job!

    Shaloom Useche did a great job in communicating with me in everything I needed to do and made my paperwork process and refi super easy and convenient! She is prompt at returning my texts and phone calls, and was clear in any questions I needed answered. They got me a great reduction in my rate as well

    Michelle Tumpkins
    Michelle Tumpkins
    August 17, 2022

    The person I spoke with was absolutely…

    The person I spoke with was absolutely rude and not empathetic about the situation at all. He was laughing and being extremely rude about it. Told me to “make more money or you know get a parent or co-signer” in the most nonchalant manner. He almost insinuated his manager was laughing too. Even if I did go “make more money or you know go get a parent or co-signer” I wouldn’t dare come back to your business. First impressions are everything and you certainly blew it.

    Kyle Scott
    Kyle Scott
    August 15, 2022

    Excellent Service!

    My loan officer was Shaloom Useche, she made everything simple and straightforward, and handled all the details carefully and efficiently. I couldn’t be happier!

    Jordan Felton
    Jordan Felton
    August 13, 2022

    Frustrating Process

    The agent Sara was nice enough but when it came to sending her my documents the process was not smooth at all. I would send her my docs and she would say “ok yes this will work” but then come back later and say she needed something else. I had to notorize documents 4 different times, wasting my time and money, because she kept approving them without recognizing errors and then would come back later and say there was an issue. It was a very frustrating process for me, but I’m giving 3 stars because they got me a much lower car payment and they did send a gift card for the inconvenience.

    Therene Alston
    Therene Alston
    August 13, 2022

    My experience was great

    My experience was great. Liz was extremely helpful through the process. Caribou offered me my refi when two others denied. Not sure why I was denied all my scores were over 650 and no late payments. Either way Caribou approved me!

    Alicia Kraus
    Alicia Kraus
    July 31, 2022

    So surprised!

    I was so surprised with how fast I was able to refinance my car. Arthur helped me get my car refinanced within the day! He made everything go by fast and easy. Will definitely be recommending to friends and family.

    Julia Kunze
    Julia Kunze
    July 29, 2022

    Nina was very helpful

    I enjoyed using caribou to refinance my loan. Nina helped me and she communicated with me clearly. I knew everything I needed to get done and she was very quick to respond and patient with me.

    Kanel
    Kanel
    July 19, 2022

    Solid user experience and savings all-around

    Solid user experience all-around from the Caribou interface/site, online application process, online loan management, and most of all the personable and diligent service by my Loan Officer, Arthur Scott, Jr.! And best of all, they managed to find the most competitive rate for my refi loan; lowering my monthly payments by over 10%.

    jenny manning
    jenny manning
    July 15, 2022

    Great experience

    Great experience and Arthur was the best walking me thru the process and making sure I had everything I needed as well as making sure I understood all information. Would do business with them again and recommend to family and friends.

    Teresa Krell
    Teresa Krell
    June 28, 2022

    Ryan at Caribou Financial

    Ryan McDaniel at Caribou Financial made my refinance on my car the best and easiest process. I contacted Caribou, Ryan answered and took over to do everything for me and was on top of the process the entire time. He took the time to give me the best rate and made sure I understood everything before I moved forward. He was available when I needed him and was very professional. The smoothest process I’ve ever had due to him and I was able to go about my day. Thank you, Ryan. I would definitely recommend Caribou to anyone.

    Dan Sather
    Dan Sather
    June 24, 2022

    My wife and I were working with Coy…

    My wife and I were working with Coy Nguyen from Caribou to help with an auto loan. After we send our documents and he ran our credit, he stopped replying to my emails. I'm still not sure where we stand as no one from the company will talk to me.

    Shawn White
    Shawn White
    June 24, 2022

    Easy & Fast process with Great Rates

    Such an easy and fast process. Daniel Schoonmaker was so helpful and quick to reply. My only regret is not doing this earlier. Got a great rate and saving lots of money in interest and a lower payment. What's not to like.

    Emily G. Schwab
    Emily G. Schwab
    June 24, 2022

    I’d give my experience more stars if…

    I’d give my experience more stars if possible. It’s not completely finalized, but I am so impressed with the representative who helped me through the process. High five to Jim Hatch.

    Todd Smith
    Todd Smith
    June 15, 2022

    Incredibly negative experience

    Incredibly negative experience. To begin with, I have GOOD credit, not excellent, but good (700+). I responded to their outreach to help me find a better rate on my car loan. Very little transparency into the situation. After a hard credit pull that pushed my score down, I was told they couldn't get me a loan with their first choice. Again, I have a strong income and a score north of 700. They asked if they could try again. so I agreed. Second hard pull. Credit dinged again for that. Then? Nothing. The person I was communicating with simply disappeared. So I now have two new inquiries on my credit and nothing to show for it. They will tell you they can save you hundreds a month, but really they just hurt your credit and do nothing and don't communicate. I wish I had never heard of these clowns.

    Casimir Finley
    Casimir Finley
    June 4, 2022

    Smooth and easy process

    Wanted to refinance my vehicle and filled out an application online. Loan officer Arthur Scott, with caribou, immediately responded to my application and assisted with the refi process. I was able to get a lower APR and payment within my budget. He did all the heavy lifting, and made this process a breeze. He is very knowledgeable, and helpful is an understatement. If you need help refinancing, Arthur is your guy 100%!

    Rayven King
    Rayven King
    June 2, 2022

    Refinancing with Caribou was so simple

    Refinancing with Caribou was so simple. Working with Shaloom Useche was quick and convenient with my ability to do most of the paperwork right from my phone (texting or email) and on the go. I was on the phone for about a hour to discuss all of the information needed and I didn't feel rushed or forced to make a decision. I would definitely recommend working with her and giving this company a chance due to their great rates, transparency and efficiency. I was approved and funded in less than a week. Good job Caribou.

    When Applying

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    Auto Approve

    Lender Type

    Marketplace

    A+ BBB Rating

    4.7 Google Rating

    Online Marketplace

    Serves All 50 States

    Fee Charged - Unspecified Amount

    Interest Rate

    2.25%

    Auto Approve's interest rates start at 2.25%***. See the Auto Approve review for details.

    Credit Score

    580+

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

    Bennie Terry
    Bennie Terry
    January 20, 2023

    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

    Raymond Chaverria
    Raymond Chaverria
    January 19, 2023

    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

    Gracia Pagan
    Gracia Pagan
    January 15, 2023

    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.

    Victoria Hadley
    Victoria Hadley
    January 15, 2023

    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

    Tracie Mcpherson
    Tracie Mcpherson
    January 12, 2023

    Susanna Lopez and her team were…

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

    Constance
    Constance
    January 12, 2023

    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

    Renita Woods
    Renita Woods
    January 11, 2023

    This company is fraud!

    This company is fraud!! Do not refinance your car loan with auto Approve

    Patrice Matthews
    Patrice Matthews
    January 7, 2023

    I have been waiting for a company like…

    I have been waiting for a company like this. To refinance me... Thank You for your business....

    Alan
    Alan
    January 6, 2023

    A very quick answer on my new loan

    A very quick answer on my new loan

    Jessi Chitwood
    Jessi Chitwood
    January 6, 2023

    William Romero was the Best!!!!!!…

    Was fast and friendly service William Romero was amazing I work several jobs and he took care of everything for me! Auto Approve made everything so easy and convenient I will be recommending them to all my family and friends!

    Heather Bakane
    Heather Bakane
    January 6, 2023

    It was quick and easy to refinance!

    It was quick and easy to refinance!

    VERONICA RUBIO
    VERONICA RUBIO
    January 6, 2023

    Horrible response!!

    Horrible response!!! I applied on Saturday Dec 31st. I received a text requesting some information, I responded right away. I received another text on Tuesday, January 3rd asking when would be a good time for them to call me so we can complete the application. I responded, that they can call me anytime that morning. I never received a call! I received another text on Wednesday January 4th, asking me AGAIN when would be a good time for them to call me to complete the application, I responded that they could call me Thursday January 5th anytime after 325pm. I received a text saying they would call me at 3:25 pm on Thursday January 5th and I never received a phone call! Don’t waste your time giving them the information they ask you because they will never contact you. Just lead you on and waste your time! I also called the 1888 number on Thursday and it just kept putting me on hold and then an automated message said that they were experiencing difficulties to call back another time! What a waste of my time!

    Sophie
    Sophie
    January 5, 2023

    Refinance with Auto Approve!!

    If you’re thinking about refinancing I HIGHLY recommend auto approve. I have a rep, Susana Lopez, who has helped me out so much and helped me save over $150 in monthly payments. I’ve been recommending everyone I know to auto approve and definitely have had the best experience with them.

    Kevin Gulliver
    Kevin Gulliver
    January 4, 2023

    The interest rate is very low

    The customer service is very good and they polite

    Phileta Pumphrey
    Phileta Pumphrey
    January 3, 2023

    Everything I Asked For

    Everything I asked for was worked in my behalf to give the best reduction in monthly car payments, lowest percentage rate, and all within time before my next payment due date

    tabetha Rogers
    tabetha Rogers
    December 30, 2022

    Charles was the most helpful and…

    Charles was the most helpful and patient person I have ever talk to in customer services. Words can't express how amazing he is thank you

    RCMiller
    RCMiller
    December 30, 2022

    My experience

    I have never done a refi before. I was helped through the details by Chee, who crossed all the T's, and dotted all the I'd. A highly professional agent.

    customerSarah
    customerSarah
    December 29, 2022

    They are quick and very nice

    They are quick and very nice. And they do what they say

    ALVIN BURCH
    ALVIN BURCH
    December 29, 2022

    The process was quick and painless

    The process was quick and painless; communications are very good and I am constantly informed of next steps. Thank you

    Toni Adams
    Toni Adams
    December 28, 2022

    Quick and easy

    They made it a quick and easy process and approval process was within a day.

    Jacqulen Cheadle
    Jacqulen Cheadle
    December 28, 2022

    Not sure when it took a few weeks as…

    Not sure when it took a few weeks as the guy was sick and took a while to get back to me

    Cameron N. James
    Cameron N. James
    December 28, 2022

    Incredible service. Absolutely incredible

    Wonderful, self-explanatory information. Wonderful service, I loved my online auto loan experience. My loan servicer did amazing. Very quick, I completed everything under a week. Very simple and a great rate.

    Dyan Gentilcore
    Dyan Gentilcore
    December 27, 2022

    They were very helpful and got my…

    They were very helpful and got my interest rate dropped which will help me alot

    Joshua
    Joshua
    December 27, 2022

    Service with integrity

    My rates were very high leaving very little room for other expenses. The staff that worked with me (Kevin and Shaun) explained everything very clearly and helped me out with every single step and gave me an opportunity to have some breathing room. I’m very grateful.

    Melissa Thomas
    Melissa Thomas
    December 27, 2022

    Friendly Staff

    Everyone has been so quick and efficient to help. And I appreciate that so much😊

    Happy Customer
    Happy Customer
    December 27, 2022

    Kaitlyn cares about her costumers!

    Kaitlyn made my experience beyond wonderful. She was always in communication with me and kept me updated. She helped me through the entire process AND helped me get the rate I wanted! So very happy with Auto Approve and their costumer care! What a fabulous experience!

    Teresa Roberson
    Teresa Roberson
    December 27, 2022

    Happy customer

    Brittany was very professional and helpful with a great attitude. She made me feel like she really cared about me and my needs!!

    Ramon Moreno
    Ramon Moreno
    December 27, 2022

    I applied for refinance 3 months ago…

    I applied for refinance 3 months ago (October 2022) and it was suppose to complete then but I am logged into CapitalOne account and still see a balance due with them. I am on hold with the new loan financer, Consumer Credit Union as they investigate why my CapitalOne loan has not been paid off. Meanwhile I made a payment this month with late fee as the auto approve rep told me I would finally be able to skip a month payment on my car this month. Meanwhile Consumer Credit is already setting up a payment for me in January and the auto approve rep will not answer my calls or emails.

    Phyllis
    Phyllis
    December 27, 2022

    Chris was the best he listened to my…

    Chris was the best he listened to my needs and delivered

    Starlette
    Starlette
    December 26, 2022

    I was walked through step by step with…

    I was walked through step by step with the notary signing since I've never done that process before. Friendly and helpful whenever speaking on the phone.

    Sharon Lowery
    Sharon Lowery
    December 24, 2022

    Dan Miller was so helpful to me

    Dan Miller was so helpful to me. Great follow through. He was so awesome and informative.

    Bobby Morales
    Bobby Morales
    December 24, 2022

    Amazing company and employees

    Brendan my representative was amazing at helping me with all of my needs on this loan. I would recommend you over and over again. Thanks again!!!!!!

    Mr.white
    Mr.white
    December 24, 2022

    Overall, the experience was good, and I thought Quincy was very very good

    What are the things I didn’t like is that I told him I was in transition and I couldn’t provide certain utilities at first they said they would work with me, but then they can’t ask them for those particular utilities, which I could not provide . Sometimes people are not in a position to provide a utility bill and it might only have credit card bills, but Quincy Sanchez who is very patient with me. I would love to give them more but I just thought it took a little bit too lol thank you.

    J.K.
    J.K.
    December 24, 2022

    Great communication for this process

    Great communication for this process! Darin made me feel very comfortable and I was able to reach out when I needed. He checked in and was a big help every step of the way.

    roosevelt jackson
    roosevelt jackson
    December 24, 2022

    Don't believe everything they are saying

    This is so not true I would give them a-10 stars if I could after all the calls/ emails/ text messages I decided to give then a chance... bad choice lack of communication ran my credit 2 times and when I called them 2 days later I was told huh you will get a letter in the mail we couldn't do anything for you.. why lie with the we get everyone approved miss me with it and stop emailing me saying let's try again

    Linda D.
    Linda D.
    December 23, 2022

    My rep

    My rep, Greg Raymond was phenomenal.. he was very knowledge, kind and helpful. My entire experience was very easy. I would definitely recommend Auto Approve..

    Lionel Garcia
    Lionel Garcia
    December 23, 2022

    Your staff was always available

    Your staff was always available; Not a robotic pick a number system. All staff were knowledgeable and had my info at their disposal. They were courteous and responsive.

    Bambi Tipton
    Bambi Tipton
    December 23, 2022

    Awesome service

    Kevin and Kari have been very helpful and anytime I had questions they were quick to respond.

    Rolando
    Rolando
    December 23, 2022

    Excellent service

    Excellent service the person we worked with was very very helpful and got the. Job done quickly and efficient I will recommend this company to others. Thank you Outhay for doing a great job

    Constance Lee
    Constance Lee
    December 22, 2022

    The experience was fantastic!

    The experience was fantastic!! I was contacted by Christopher Hamlin and he took the best care of me through the entire process. He was helpful, polite and communicated everything I needed to know. Chris was so amazing! I am so happy to have had Chris and I would recommend him over and over again!!! Thank you!! Chris you rock!!

    customer Michael Evans
    customer Michael Evans
    December 22, 2022

    They explain to me what was going on… lower my payment

    They explain to me what was going on they kept in touch I’m not good with electronics. They help me through some of that. They explain my payment how it came down. They were always polite and he put up with me with electronics. He put up with a person who doesn’t do electronics that’s not easy he kept his cool and talk me through some things which is very good patients. Most of them holler at me by the time we get to that point they were very nice that’s what you did right courtesy you can never beat it. Thank you. You have a nice day and have a nice holiday.

    Katherine
    Katherine
    December 22, 2022

    Austin at Auto Approve is the best

    Austin at Auto Approve is the best! We were able to complete the process in 48 hours and funds to come in the next five to ten days...right before my next car payment would have been due...! Very excited to be able to refinance and add the gap insurance as well as an extended warranty plan!

    Kyleigh
    Kyleigh
    December 22, 2022

    This company is very kind and answered…

    This company is very kind and answered my questions very thoroughly and walked me through the process with quick responses and direct instructions. They had me completely done within 48 hours and kept me posted the entire time! 10/10!

    David swank
    David swank
    December 22, 2022

    Travis was a great help answering the…

    Travis was a great help answering the phone and helping me through the process thank you

    Pablo Lopez
    Pablo Lopez
    December 22, 2022

    The people were great and…

    The people were great and knowledgeable, helped me lower my interest and monthly rate . The process was so easy and had everything done and signed fast! Im really happy i made a great choice using autoapprove!.

    Yvette
    Yvette
    December 22, 2022

    Bruce was great in customer service and…

    Bruce was great in customer service and just his knowledge and pleasant tone made for an excellent experience

    SADLER, SHAZIA A
    SADLER, SHAZIA A
    December 21, 2022

    Linda was thorough

    Linda was thorough, understanding, patient and knowledgable. She always was a text or phone call away when i needed help. Thank you !

    Joey
    Joey
    December 21, 2022

    Just the ease of refinancing my vehicle…

    Just the ease of refinancing my vehicle and the professionalism of Kris!! Over all awesome experience!!

    Reilly
    Reilly
    December 21, 2022

    Brad

    Brad, was extremely helpful and kind and definitely patient. And got me a great reduction on my car loan and warranty. Definitely will let others know.

    John Tecca
    John Tecca
    December 21, 2022

    My experience was a 11 out of 10

    My experience was a 11 out of 10. George was quick and fast and had great customer service. Im very pleased with how i was treated. Thank you

    When Applying

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

    RefiJet

    Lender Type

    Marketplace

    $150 Avg Savings

    A+ BBB Rating

    4.4 Google Rating

    Online Marketplace

    Serves All 50 States

    $395 Origination Fee

    Interest Rate

    2.49%

    RefiJet's interest rates start at 2.49%***. See the RefiJet review for details.

    Credit Score

    500+

    RefiJet provides auto refinancing for people with credit scores of 500 and up in the fair FICO credit ranges.

    When Applying

    No payments for the first two months. Pre-approval and cash out offered.

    RateGenius

    Lender Type

    Marketplace

    $96 Avg Savings

    A+ BBB Rating

    4.4 Google Rating

    Online Marketplace

    Rate estimation tools

    $395 Document Fee

    Interest Rate

    2.99%

    RateGenius states their refinance rates start at 2.99%***. See the RateGenius review for details.

    Credit Score

    500+

    RateGenius serves credit scores of 500 and higher. This falls into the fair FICO credit range bracket.

    Daisyreebs
    Daisyreebs
    January 5, 2023

    These folks work hard and fast to make…

    These folks work hard and fast to make things happen!

    Hannah Conner
    Hannah Conner
    January 3, 2023

    Christine with rate genius was very…

    Christine with rate genius was very informative and worked quickly to get my car refinanced!

    Venus Tilley
    Venus Tilley
    December 18, 2022

    Great service from start to finish

    Great service from start to finish! Tim was great! Thank you!

    contessa sorum
    contessa sorum
    December 15, 2022

    Tim was awesome

    Tim was awesome. Very responsive & communicated every step. My experience w/ the entire process was great.

    Ryan Turano
    Ryan Turano
    December 9, 2022

    Simple as it gets

    Simply put Ann made the process as simple as it could get. Thought it would be a pain but they give you every step laid out in an easy to understand way. No hidden anything. 10/10

    Alexis Tooker
    Alexis Tooker
    December 9, 2022

    This was an amazing experience for me

    This was an amazing experience for me! I was helped by Ann who always answered my calls when I had questions and helped me through every step of this process! Definitely worth it to refinance with rate genius!

    Cody Marcum
    Cody Marcum
    December 9, 2022

    I was helped by a lady name Christine

    I was helped by a lady name Christine, she was super helpful and very friendly throughout the process. I work five days a week and unfortunately it made the whole process more difficult and take longer Then normal. Christine continued to work with me and try to make the process as easy as she could and after about a month we got it all figured out and I’m saving a good amount of money compared to what I was paying before

    Christian Terilla
    Christian Terilla
    December 9, 2022

    My whole experience was made simple by…

    My whole experience was made simple by my loan specialist, Shrutika Pandey. I didn’t feel rushed or pressured at all and we ended up securing a loan to refinance my vehicle. I would recommend Rategenius.com to anyone.

    Phillip
    Phillip
    December 6, 2022

    Friendly service

    Friendly service, easy to complete. Communication was good from beginning to end.

    Sarah Williford
    Sarah Williford
    December 3, 2022

    I was incredibly pleased with the…

    I was incredibly pleased with the customer service provided to me throughout my refinancing. Ann Mckinnley was patient, kind, resourceful, and knowledgeable in her field. I would highly recommend this company and Ann for assistance with refinancing. Thank you!

    Matt Kolb
    Matt Kolb
    December 2, 2022

    My experience was excellent

    My experience was excellent. I dealt with Leah Baize. She provided an amazing customer experience by being thorough, patient, and impeccable follow up and follow through. I have already recommended to 2 friends so far.

    Houston Baker
    Houston Baker
    December 2, 2022

    My experience was mostly pleasant

    My experience was mostly pleasant. My representative talked me through the steps and kept me up-to-date on how the process was going and what I needed to do. I'd give 5 stars but having to go get some papers notarized and send them out was a slight inconvenience.

    Tim Buchanan
    Tim Buchanan
    November 30, 2022

    Horrible experience that I hope you can…

    Horrible experience that I hope you can I one else has to go through. Took months, yes months, I was lied to repeatedly, had to send documents multiple times and was told I would be reimbursed for the multiple notary fees but never was. Took so long that I was charged a late fee by my previous bank and no manager had ever responded to my requests. Just was a horrible expensive experience. Oh and my new payment is more than I was told and I was forced to make a payment *early* instead of a 2 month grace period as I was told. RUN AWAY!

    Papi and BigCZ's Comedy Zone
    Papi and BigCZ's Comedy Zone
    November 30, 2022

    The person that helped us was kind

    The person that helped us was kind, helpful. Lorrie Homan

    Kyle Puckett
    Kyle Puckett
    November 29, 2022

    Handle my refinance quick and easy

    Handle my refinance quick and easy. I felt like I was informed in great detail of the whole process before proceeding with documentation.

    Gary
    Gary
    November 29, 2022

    Just completely refinance on my 2017…

    Just completely refinance on my 2017 Santa Fe. They made the process very easy, anything I had is sent out had prepaid postage along with it. Although you do pay a decent chunk of change to complete the whole process. In the end, my payments are lower and that's all I really care about.

    Raven Pouncey
    Raven Pouncey
    November 18, 2022

    Quick and Easy

    I had such a quick and easy experience! Thank you Ann for assisting me!

    william glenn
    william glenn
    November 18, 2022

    I had a little more of difficult…

    I had a little more of difficult Refinance due to my own circumstances. And they were taken in stride and worked around excellently.

    Matthew Lengel
    Matthew Lengel
    November 17, 2022

    Personalized and efficient

    The process was easy and personalized. They assign you a point person which is super helpful. My loan process was managed by Christine Santisteban. She was very helpful and responsive. We were able to do most of our communication through text. Highly recommend!

    Remi Campirano
    Remi Campirano
    November 11, 2022

    Great experience, using you guys again…

    The employee I had helping me Brad Frizzle was amazing on helping me through the process. Made it quick, easy and almost effortless.

    Leona
    Leona
    November 8, 2022

    Vince and Filishia were great to work…

    Vince and Filishia were great to work with. They helped me save almost $200/month. There was a snag with docusign but otherwise it went well!

    MiddleEasternMexican
    MiddleEasternMexican
    November 7, 2022

    This was an amazing service

    This was an amazing service. I knew there had to be a way to lower my payments, but in the end I not only lowered my payments with a lower rate but also lowered my term!

    Alex
    Alex
    November 4, 2022

    NOT what it seemed

    While the rategenius reps were great, the overall experience was not what it seemed. I chose to use rategenius for my recent auto refinance so I could do it online. However, in reality very little of it was actually completed online - not only were the rates and details all quoted over the phone, but the application itself had to be done all via mail. It was a pain to have to go back and forth to UPS to have to get this done. If I thought anything would need to be done in person, I would've just gone to my local credit union directly! Beware, they are not what they seem.

    Beverly Cunningham
    Beverly Cunningham
    November 3, 2022

    Very misleading ads

    Very misleading. I received ad in mail directed to me personally that they could reduce my APR two points on the car I purchased, but after completing their forms they told me they couldn't reduce my loan rate as advertised. I wasted two hours giving them my info. Very untrustworthy advertising. My credit rating is as good as it gets, they just can't deliver their info they purport in their ads. Don't waste your time.

    ost
    ost
    October 31, 2022

    I contacted RateGenius again to refinance auto loan

    I contacted RateGenius again to refinance my auto loan with a different bank. The agent processed all my documents, initiated a credit check, and then went silent for almost two weeks. After I called a support line, I found out there was no way I could refinance the same Car a second time with RateGenius which the agent failed to explain and check before even starting the process. As a result, I have another hard pull on my credit history and will have to do that again to refinance my loan with another company. This is terrible customer service! UPDATE: RateGenius replied to this review and asked me to call back and resolve the issue. But the funny thing is that every call on this phone number goes directly to voice mail and they never call back! UPDATE 2: Apparently, it was a rate RateGenius policy where they do not refinance the same vehicle multiple times. Be aware of this quirk. But on the positive side, I did talk to them again and they helped me out with a different company that provides the same services.

    Dee
    Dee
    October 27, 2022

    Awesome Experience

    I was skeptical at first to apply for a refinance on my auto loan because I have been rejected so many times. I was pleasantly surprised that I was approved and with a great rate and a much lower payment. The process was easy and Adrian my direct representative was always available and answered every question I had. I would definitely recommend.

    Samantha McClellan
    Samantha McClellan
    October 26, 2022

    Ann was wonderful to work with

    Ann was wonderful to work with! I originally went on a whim to see if I could obtain a lower rate since my interest seemed high for my vehicle. I was able to obtain a lower rate and the customer service she gave was superb!!

    Louise
    Louise
    October 24, 2022

    Ann with Rate Genius reached out to me…

    Ann with Rate Genius reached out to me right away and found a lower interest rate than I was originally pre approved for. My document situation was messy because I had just moved and had differing addresses on documents. Ann was patient and understanding with me. Thank you so much!

    Brandi Ott
    Brandi Ott
    October 24, 2022

    Rate Genius definitely helped me a lot!

    Rate Genius definitely helped me a lot refinancing. It was super easy, and the representative Ann, was very friendly, professional, and super helpful. I highly recommend. 10/10.

    KINNEY/RODNEY
    KINNEY/RODNEY
    October 23, 2022

    I loved the whole process with…

    I loved the whole process with RATEGENIUS! I loved it so much I did a 2nd re-finance with them one week later!

    LM
    LM
    October 20, 2022

    Overall I was pleased with Rategenius

    Overall I was pleased with Rategenius. The reps I spoke with were polite, professional, and helpful. They got me a great rate on my auto loan considering the times we’re in and the application process was fairly easy. It did take longer than expected to complete and a little frustrating when waiting days for an update from the loan rep, but in the end all is good.

    Steve
    Steve
    October 20, 2022

    Super easy

    The process was super quick, the reps were highly responsive, and everything was very, very easy. Would do this again in a heartbeat.

    Julio
    Julio
    October 20, 2022

    Best experience

    Best experience. Fast approval and follow up from all personnel involved. Loan was finished in 3 and funded overnight. Can not wait to refinance my second car with them.

    Steve Harman
    Steve Harman
    October 14, 2022

    Ahead above the rest

    Honest, Expediant and very professional. Keith Edwards is the man. Straight to the point and always ready to answer all my questions. If you need help lowering your monthly payment . Rate Genius is the way to go Thanks.

    Jeffrey
    Jeffrey
    October 13, 2022

    So used rate genius to refinance my

    So used rate genius to refinance my truck and they made the process so easy. Their people were very helpful and quick and they made this whole process wonderful

    Keith
    Keith
    October 11, 2022

    New auto loan

    Right from the beginning Aaron was great. He explained everything perfectly, didn't waste anytime, and saved me money. Lower monthly price and lower interest rate. It was super easy and fast!

    Jake
    Jake
    October 10, 2022

    From the start it was extremely…

    From the start it was extremely seemless transaction! My coordinator did everything she said she would on time and was very friendly! Highly recommend

    Chris Contreras
    Chris Contreras
    October 7, 2022

    10 out of 10

    I worked with Aaron and he exceeded my expectations, every easy and was always available for any questions I had. Rate genius saved me money by lowering my interest rate which made my payment lower. I would recommend rate genius to anyone looking for a better term. Great job guys!!

    Pamela J
    Pamela J
    October 7, 2022

    Auto Refinance…I was referred to…

    Auto Refinance…I was referred to Rategenius thru Experian credit website and that was the best decision ever! I was reluctant initially due to past credit history and thought I may not get approved. When I submitted my application Rategenius responded immediately and I was assigned to loan officer “Shrutika Pandey”…even though I was still reluctant due to various reasons with my process she always reassured me that everything would work out and she will go thru the whole process with me and not to worry…we will get thru it together. When my loan was finally approved I was so ecstatic and thankful Shrutika didn’t allow me to give up and because of her I’m able to continue on the up climb of my road of credit repair! Thank you Shrutika and Rategenius! Pamela J

    Scott Judge
    Scott Judge
    October 4, 2022

    I was directed to Rategenius thru…Credit Karma

    I was directed to Rategenius thru Credit Karma. I refinanced my 2021 Yukon. It went very smooth and was painless. I would recommend Rategenius to anyone that asked. Thank you Scott Judge

    Nancy Allen
    Nancy Allen
    September 30, 2022

    No explanation or receipt for $35 to open CU account for refi

    While the refi process was pretty straight forward, Kathryn sent me an email with the remaining items needed. I was told I had to pay a $35 deposit to open an account with the credit union doing my refi. Even the "receipt" on the website indicated it was a deposit for the CU account. When I finally accessed that new account 1.5 months later, only $5.00 had been deposited. I emailed both my rep Sunny and Kathryn but received no receipt or explanation for what the $30.00 was for and no response to multiple requests for an actual receipt. Can you say scam?

    Matt
    Matt
    September 29, 2022

    RateGenius car refinance

    Gary Ottosi helped me through my car refinancing, getting me a much lower rate and also lower payment. Communicated with me throughout the whole process and went above and beyond to make sure my documentation was received correctly and on time.

    Patrick Leen
    Patrick Leen
    September 29, 2022

    Rate Genius is the “Real Deal”

    Rate Genius made a lot of promises! I very skeptical about the ability to deliver . They worked very hard to get me the best deal at the best rate. I saved a couple of hundred dollars on my car loan. I’m a fan now Thank you Real Genius.

    Tammy
    Tammy
    September 29, 2022

    They were fast and effective through my…

    They were fast and effective through my whole experience..Brad was my loan specialist and he was wonderful and went beyond and above for me to get the best rate possible. I would recommend them for sure

    Joanna
    Joanna
    September 28, 2022

    Car Refinance

    Ann McKinley helped me throughout my whole car refinance process and I could have not been more thankful. She went above and beyond for me and was able to get me a loan with the credit union of my choice and a new lower rate. I would recommend her for your refinancing needs! 10/10 would do it all over again.

    Aaron Bornstein
    Aaron Bornstein
    September 24, 2022

    Just a big thank you

    Just a big thank you. Yes you have to find a few documents, but you are guided throughout the process. I’m very pleased with the outcome and appreciate the guidance.

    Cesar Hernandez
    Cesar Hernandez
    September 23, 2022

    AWESOME COMMUNICATION

    From start to end everything was great! They made the process very easy, and I was connected to a great lender within a couple of days. Within a week, my loan was secured, and couldn't be happier with the result. The staff was very friendly, helpful in understanding the process, and made it a seamless process.I gave this company 5 stars because they very professional and they made sure I got the right financial company I needed to suit my refinancing needs. I really appreciate Rategenius for their complete accuracy as I switched from my old high interest rate company to a lower interest rate company that they recommended I try. Thanks so much Rategenius,I couldn’t have done it without you!!!

    Josh Wheeler
    Josh Wheeler
    September 21, 2022

    Great company to work with!

    From start to end everything was great! They made the process very easy, and I was connected to a great lender within a couple of days. Within a week, my loan was secured, and couldn't be happier with the result. The staff was very friendly, helpful in understanding the process, and made it a seamless process.

    Sarah McNair
    Sarah McNair
    September 20, 2022

    Appreciated the transparency

    Made refinancing my vehicle easy and went over all my options and was always honest with me about what could happen and what might not happen. Appreciated this greatly.

    Travis Cummings
    Travis Cummings
    September 9, 2022

    Just wasn’t pleased with the overall…

    Just wasn’t pleased with the overall experience. A lot of miss communication. A slow process. Went from owing $21,000 on car. To now owing over $25,000.

    When Applying

    Full-service car refinance and re-titling platform with cash out options.

    AUTOPAY

    Lender Type

    Marketplace

    $105 Avg Savings

    4.7 Google Rating

    Online Marketplace

    Serves All 50 States

    $395 Origination Fee

    Interest Rate

    2.99%

    AUTOPAY's interest rates start at 2.99%***. See the AUTOPAY review for details.

    Credit Score

    560+

    AUTOPAY's car refinance services are gauged toward applicants with credit scores of 560 and higher.

    ALEX ALVAREZ
    ALEX ALVAREZ
    January 20, 2023

    The typical bait and switch

    The typical bait and switch. I was led to believe that I would receive a number of loan options but found out there is only one, Autopay. They called me at home and tried to strongarm me to give them additional information. Horrible company, horrible business practice. I highly recommend going to a reputable bank or credit union to secure a car loan, these "brokers" are only adding an additional layer and cost to an already confusing process.

    Dave
    Dave
    January 19, 2023

    Terrible experience

    Terrible experience. Exceptional credit, no debt and wanted a new purchase auto loan. They said I qualified for several offers. Sent to underwriting and I was NOT approved - I was shocked. I called back to ask for more information, the agent said she would call me back after she spoke to underwriting. Have not heard back.

    Bridgette Montas
    Bridgette Montas
    January 13, 2023

    Quick and simple process

    I worked with a man named Matt, very professional and easy to talk to. He was always available to answer my questions. Also made things easy to understand stand.

    Naomi Pope
    Naomi Pope
    January 12, 2023

    The process was fast and easy!

    I signed up online and the process was easy they helped me along the way and my loan was approved by the bank faster than I thought. I saved $200 on my car loan a month

    Debra Johnson
    Debra Johnson
    January 5, 2023

    I was considering refinancing my car…

    I was considering refinancing my car loan with this company. They wanted to give me 75 months. That's too long for me. I also did not like Kyle Fergason. He was very impersonal and fast talking. I feel like dealing with this company is a waist of time!!!!!

    NICOLE D PATTERSON
    NICOLE D PATTERSON
    December 28, 2022

    Courteous

    Courteous, responsive and patient. It took me about a week to get my paperwork done. I was the delay. The representative was always ready to assist and answer any questions. Excellent experience for me.

    Nicolas Schillerstrom
    Nicolas Schillerstrom
    December 23, 2022

    Great customer service

    Great customer service, worked really hard to get me a great deal!! I will recommend autopay to anyone to refinance your vehicle!

    Kameron
    Kameron
    December 14, 2022

    Terrible. They lie about the rates the offer and they’re much worse than the market.

    Terrible. They lied about the auto loan rates offered online and over the phone. With an 800 credit score on a 72-mo $50k loan, they said it’d be 2.99%. After days of waiting and an hour of my time over the phone giving them my information so they could do an audit before offering a loan, they came back with 8%. Total waste of time and MUCH higher than what was marketed and compared to the market. I’m mostly disgusted by the lying more than wasting my time while shopping for an auto loan. Don’t use these scammers. Go with a local credit union or finance through the car manufacturer.

    Maria Olloqui
    Maria Olloqui
    December 13, 2022

    Matt was a blessing in the sky

    Matt was a blessing in the sky! I was looking for a good company to refinance my loan; I contacted Auto Pay and I got the best professional, honest, courteous and positive person on the line. I got exactly I wanted in a matter of days . His great effort to help me make me feel very happy. AutoPay has a great asset with Matt Reindhart ! I thank Matt and your company for the great team you got! I give you 5 stars, I will surely recommend you in the future. Happy Seasons !!! Best of everything for you Matt !😊

    Maged Maher
    Maged Maher
    November 30, 2022

    Really disappointing No service Just EXTRA FEES

    Really disappointed there in no service at all. I thought everything is setup and then I get an email saying that the payment did not go through. and I will get an paper invoice with an extra charge. tried to reach out for the customer service, somebody to talk to and I just get an automated answers that run in loops. Plus they charge for any notification apart from the advertising ones.

    David Sprouse
    David Sprouse
    November 28, 2022

    Autopay goes the extra mile to get things done.

    Well I was getting the run around with a few other companies, and just couldn't get anything approved. I called Autopay and with Mat's help I got over the hump and my loan was approved within hours. Mat kept in touch with me through out the whole process. I was impressed with everything, and would recommend Autopay to all, who don't want maybe's, but yes indeeds. Thank you all for your help.

    Todd Mills
    Todd Mills
    November 23, 2022

    Thank you Matt

    Thank you Matt. Top notch service!!! This was extremely smooth and simple car refinance. Dropped me 11% on rate I currently had. Was a joy to talk with and he had the HUMAN element not robotic rehearsed VERY RARE TODAY!! Thanks again look forward to becoming a repeat customer. Todd

    EVELYN KIMBERLY WRIGHT
    EVELYN KIMBERLY WRIGHT
    November 22, 2022

    Albert was great in assisting me & gave…

    Albert was great in assisting me & gave some good advice!!!! Pretty quick too!!!!!

    Carie Whitaker
    Carie Whitaker
    November 14, 2022

    My experience was super smooth

    My experience was super smooth! The gentleman I worked with was so helpful and very knowledgeable! Also, very upfront about the process!

    A n m
    A n m
    November 4, 2022

    My fiance has a good credit score and…

    My fiance has a good credit score and used auto pay off credit krama. They said his chances were excellent on approval of a refinance. Well not without 4500 down. That's ridiculous and very misleading. Don't go through this company .

    Kathryn
    Kathryn
    November 1, 2022

    AutoPay, in particular Blake Rurik, exceeded my expectations in securing a favorable interest rate on my used car loan.

    I was very pleased with the professionalism, quality and turnaround time that Blake Rurik was able to provide in securing my very favorable interest rate on my recent auto loan. Blake was able to secure an interest rate that was much better than what I could find locally.

    Jimmy Hensley
    Jimmy Hensley
    October 29, 2022

    Monica Valdez is awesome

    Monica Valdez is awesome. Just got in the mail today that I can refinance thru rategenius at $509 a month. Monica got me $449 a month. Awesome. If you need lower car payments, contact autopay. Better to pay off your car, but sometimes life happens and autopay showed up.

    Pamela Ashlock Catron
    Pamela Ashlock Catron
    October 29, 2022

    I recieved a letter in the mail

    I recieved a letter in the mail. I filled out the information and Monica called me from Autopay. What an AMAZING lady to work with! And being on a fixed income helped me save on my monthly payment. I now can breath each month

    Natasha
    Natasha
    October 27, 2022

    Refinancing with Autopay was smooth

    Refinancing with Autopay was smooth, quick and easy. My assigned representative; Mason Evans was phenomenal. Mason stayed in communication with me throughout the entire process. He was respectful of my time. He always called back when he said he would and at the requested time I would request. Thank you Mason. I 100% would recommend Autopay for your financial needs. OH! I got an awesome rate.

    Yami
    Yami
    October 26, 2022

    Matt was such a huge help

    Matt was such a huge help! He helped make this transition seamless. My monthly payment dramatically decreased. I highly recommend autopay.

    Brandon Casper
    Brandon Casper
    October 25, 2022

    Quick and easy process

    Quick and easy process . Matt was the person helping me with everything and he quickly responded to any question I might have had . He also did a very good job of guiding me through the process . Definitely would recommend this company

    Tara Lyckowski
    Tara Lyckowski
    October 18, 2022

    Fantastic company fantastic service

    I have to say that Dane is just amazing! Every time I reached out with a question or concern he immediately got back to me! I saved $170 on my car payment and I saved on the interest rate too! I couldn’t be happier!!!

    GA Peach
    GA Peach
    October 13, 2022

    Funding during Bankruptcy

    I filed bankruptcy 3 years ago after divorce. After an unexpected car accident, I got a loan over 14% with a different company. Over the years I’ve been rebuilding my credit, but no one would touch me with the bankruptcy. Autopay approved me for a loan at 7% and greatly decreased my monthly payment. The process was easy and Matt Rinehardt virtually held my hand through the paperwork. I’m so thankful I found them!

    David Wilkins
    David Wilkins
    October 6, 2022

    Prompt and Professional

    Autopay and Jo Hernandez were highly professional and quick. I was able to refinance my vehicle in a matter of minutes. Thank you.

    Miss Bea Jae
    Miss Bea Jae
    October 6, 2022

    I had being trying off and on to get my…

    I had being trying off and on to get my vehicle refinanced with other companies; however I was declined repeatedly. Eventually Credit Karma reached out to me, I received a call from Matt with Auto Pay and he made it happen. Matt was very helpful and professional not to mention patient with me thru the whole entire process. Matt you rock!

    James Blagoue
    James Blagoue
    October 4, 2022

    Paul

    Paul. Tapia was very professional in helping me refinance my Dodge Durango for a lot lower interest and payment, and that was a blessing, Thanks Paul

    Kaycee Watkins
    Kaycee Watkins
    September 29, 2022

    Autopay was very easy to work with when…

    Autopay was very easy to work with when refinancing my auto loan. Loan Officer was extremely helpful and patient with gathering paperwork. Would recommend autopay to anyone looking for quick refinancing!

    Gwen Young
    Gwen Young
    September 28, 2022

    Was approved for a loan NO RESPONSE by email!!!!!

    Was approved for a loan. Representative called one time. I emailed them several several times with questions, NEVER received a response. NEVER!!!!!!! Terrible service.....

    Lori Weaver
    Lori Weaver
    September 26, 2022

    effortless refinancing

    This was practically an effortless process. One that my husband and I did for the first time. And nearly every step was done on our phones. I highly recommend AutoPay and their well informed and people.

    Natalie Figuero
    Natalie Figuero
    September 26, 2022

    The reps at Autopay were wonderful.They…

    The reps at Autopay were wonderful.They kept me I formed every step of the way. They made every effort to get what I wanted.They did not stop until I was satisfied. Thank you for your hard work.

    Marc Hernandez
    Marc Hernandez
    September 23, 2022

    Chevy colorado

    Claudia McDougal has helped me with my autopay application the whole way through. Great customer service, great way to explain the applications and how to sign them. Has answers to every question I asked. 10/10

    Joe Reno
    Joe Reno
    September 12, 2022

    Claudia Mcdougal from auto pay was…

    Claudia Mcdougal from auto pay was Fantastic after going through other companies and being ran in circles I came across auto pay and this process was way easier and less stressful she made it happen quick with no more sleepless nights. She was able to get my auto refinance switch over to way lower and more fair rates!! Thank You AutoPay!!!!

    stacey Boetto
    stacey Boetto
    August 29, 2022

    Kevin was great

    Kevin was great! Very quick to respond to my questions & gave me a list of everything he needed from me to start the process. Pretty quick turn around time on the best loans out there for me. And I did not feel rushed, used, or lied to like I have in the past. I also did all of it from home & work which was nice! No lost time to sit and wait on finance department to get to me!

    Donnalynne Napoli Geronimo
    Donnalynne Napoli Geronimo
    August 27, 2022

    My experience with auto pay was great.

    My experience with auto pay was top-notch. Kate had all my questions answered, it was actually a learning experience for both of us because my car was still registered in Florida and I have now located to New York. So we had to redo the whole registration process before we were able to complete the loan. She was with me every step of the way and we were in constant communication, the loan funded And is saving me about 150 a month. I would recommend Kate and auto pay highly.

    Robert Gaines
    Robert Gaines
    August 27, 2022

    I was suspicious prior to trying this…

    I was suspicious prior to trying this company due to some shady things I saw on other reviews. But after the process went very smoothly I am happy. They weren't able to lower my payment as much as I wished but they are saving me money nonetheless. I would do business with them again!

    Amanda
    Amanda
    August 23, 2022

    It was okay...

    I was pleased with my new contract terms. I was not pleased with the multiple hiccups within the process. My representative could also use some improvement with her customer service skills.

    Ana
    Ana
    August 23, 2022

    Refinancing our two vehicles with Kevin

    Kevin helped my husband refinance his truck. He did such a good job with putting everything together for us to get approved and got our interest rate down and our payment down. My husband advised me to contact Kevin again to refinance my vehicle as I too had a very high payment. Kevin gathered all the information and I got me a great rate with the same credit union that my husband has. We are very happy with Kevin services and his team at Auto Pay. Thank you.

    Chris Acuna
    Chris Acuna
    August 18, 2022

    I was skeptical to refinance my loan

    I was skeptical to refinance my loan. But my rep Claudia made sure to keep me up to date on every single detail, making this a very easy process to get where we needed to be. I highly recommend this company if you are looking to refinance your loan. Thanks for all the help Claudia

    Julia Reightler
    Julia Reightler
    August 18, 2022

    Getting my truck refinanced was a…

    Getting my truck refinanced was a breeze. My loan consultant was friendly and professional. He did all the legwork and now my note is considerably less. Thank you to AJB!!

    Perry Hahn
    Perry Hahn
    August 18, 2022

    Easy and painless refinance

    Claudia was very kind and always made her self available. She made it clear that her goal was for me to have a successful finance, and the entire process was completely painless. Stellar job!

    Anna Tallman
    Anna Tallman
    August 16, 2022

    Would definitely recommend

    The experience has been wonderful! Rachel was awesome!! Super patient, really great about walking us through everything, and always able to answer any and all of our questions! Our interest rate is down, our payment is lower, and our credit scores are slowly moving up. Overall, not a single complaint.

    Deanna
    Deanna
    August 13, 2022

    Deliah Polnau is wonderful!

    Deliah Polnau has been been so helpful and great. She has been so kind and willing to help. She walked me through the whole process and made me feel totally comfortable and she made this the easy . Thank you so much!

    Gina Lauzier
    Gina Lauzier
    August 12, 2022

    It has been an absolute pleasure…

    It has been an absolute pleasure working with Deliah. She made the whole process seamless; answered all questions knowledgeably and made sure I understood everything. I would highly recommend AutoPay. Thank you

    Patti Ortner
    Patti Ortner
    August 12, 2022

    Deliah was amazing

    Deliah was amazing. I was approved for 8.49%, she wasn't happy with it. She contacted another company and got it for 6.80%. She went the extra mile for me and patiently answered my questions. Deliah knows true customer service and care. I'm very happy.

    Mama Bear
    Mama Bear
    August 10, 2022

    Everything was so easy and smooth and…

    Everything was so easy and smooth and Matthew Reinhardt was very helpful and professional. I am so glad that I used this company. They deserve more than 5 starts!!

    Amanda Lynch
    Amanda Lynch
    August 10, 2022

    Great experience!

    I had a great experience with Autopay and Kaitlin McGree specifically. She was on top of everything. They got me a great rate on refinancing my 2015 mustang. I’m saving $140 a month so I’m super happy about that. I definitely recommend auto pay.

    Dorothy Jones
    Dorothy Jones
    August 10, 2022

    My experience with Albert was a long…

    My experience with Albert was a long one and beneficial he was very patient with me and understanding I was a. Customer Service for 8yrs I would have hired him on the spot he never raise his voice or disrespect me in any way he always answer the phone and stay consistent and went way and beyond to help me I would recommend him to anyone he have my vote Thank. you Albert.

    tannia warren
    tannia warren
    August 10, 2022

    Jason

    Jason , in particular was extremely patient with me and so incredibly helpful in my transition to refinance ! This was the first time in me doing so and I couldn’t be more pleased with the knowledge and effort he put into explaining every little details and literally walking me through this process step by step hand in hand ! The quickest & stress free experience I couldn’t asked for ! I would recommend Jason H . and this company to anyone a thousand times and then some if I’m asked !!! Thank you !!!

    Michael Shapiro-London
    Michael Shapiro-London
    August 9, 2022

    Fantastic Company to work with!

    I really enjoy working with this company. The rep I had was fantastic and really led us step by step through the process. I will use them again on my next refi or auto purchase.

    Marlene
    Marlene
    August 8, 2022

    Great customer service

    Kevin was very responsive and courteous. He kept me updated and provided explanations when I didn't understand and needed clarification. I would recommend your service to anyone wanting to refinance their vehicle as my experience was a good one.

    When Applying

    Lease payoff and cash out refinance opportunities. Loan assistant guided process.

    Change Up Auto Lenders

    Did you know? You can refinance your car loan to change or swap your lender.

    Lower Your Loan's Interest Rate

    You may be able to lower your loan's interest rate depending on the refinance term.

    Adjust Your Payment Term

    Lengthen or shorten the term on your car loan depending on what works best for you.

    Overview of the Car Refinancing Process

    • 1.

      Deciding if Refinancing Your Car is Right for You

      Check to see if you really want to refinance your car, truck, or SUV. During this step, see how much you can save by using our auto refinance calculator.

    • 2.

      Choosing an Auto Refinance Lender

      This step involves selecting a lender to start your refinance journey. We can help you with this one. Our top lender picks and what you need to know are provided in the information below.

    • 3.

      Submitting Your Information for a Refinance Quote

      Once you have selected a lender, start the refinance process by submitting your information for a quote. You can do this easily using their online forms. Many lenders can give you a quote without doing a hard credit pull. These "hard" pulls are the ones which will usually impact your credit score as opposed to the initial "soft" pulls which do not.

    • 4.

      Selecting a Refinanced Loan Option

      Once your information is submitted, your refinance lender will show you loan options based on your credit score, personal information, and available interest rates. Many lenders have loan officers, agents, or representatives to walk you through this step and answer any related questions you have.

    • 5.

      Complete Any Application Details

      There may be additional details you need to complete. They may vary based on your vehicle, finances, or credit history. Work with your loan representative to fill in any additional details and information.

    • 6.

      Finalizing Your Paperwork

      You are only a few things away from your new loan at this point. You just need to finalize the paperwork and sign the documents. Many lenders allow you to e-sign the necessary forms making things quick and easy.

    • 7.

      Start Paying on Your Refinanced Auto Loan

      Did you make it this far? Great job if you did! Once everything is finalized, you are ready to make payments on your newly refinanced car loan. The lender should have provided the required details to start making your new car payments.

    • 8.

      Optional - Adding Additional Products like GAP Coverage

      You may want to consider adding additional products to your refinanced loan. This includes things like GAP coverage. GAP stands for "guaranteed asset protection". GAP can be paired with your comprehensive auto insurance coverage to help provide a buffer in catastrophic situations like if your vehicle is totaled, damaged beyond repair (total loss), or stolen. GAP may help to pay off the portion of your auto loan if it is not covered by insurance.

    Those are the basic steps you need to complete to refinance your vehicle. You can read more about these steps with our competitive auto refinancing guide. Each lender may have a few platform or process specific things to complete. Make use of the lender’s help desk and agents. Don’t hesitate to ask questions along the way.

    Refinance Your Car with the Best Lenders

    Refinance Your Car Loan with the Best

    Choosing one of these top-rated auto refinance marketplaces can give you peace of mind. We know auto lending and these top-rated lenders have decades of experience helping people like you. They have helped tens of thousands of customers save money on their car loans. The best auto refinance companies give you results.

    Trusted Experience

    Better Results

    Our Process

    Learn how we work to help you find better loan deals, rates, terms, and refinance offers.

    Refinance Process

    We outline the auto refinance process so you know what you expect.

    Research Auto Lenders

    We track down the premiere auto lenders and marketplaces.

    Outline Origination Fees

    We call out any origination fees so you don't have any surprises.

    Where to Apply

    Apply with the best auto refinance marketplaces which suit your needs.

    Answers to Questions

    Find answers to common refinance questions and concerns.

    Refinancing Results

    Get refinancing results from the best marketplaces in the industry.

    About Loan Origination Fees

    Many auto refinance lenders and marketplaces have origination fees. These are fees which are usually packaged into the refinance process and pay for the loan processing service as well as other administrative details and paperwork. Lending services are businesses and the origination fee is how they get paid. It makes it possible for them to help and better serve you. The result of refinancing often pays back this fee in the form of savings with lower interest rates or other progress towards your refinancing goals.

    If you plan on refinancing your vehicle, it is best to look for a lending marketplace which has good customer reviews, a transparent origination or application fee, and a large lender network. This will help you find the best refinance option. If a lender does not have a fee, they are still a business and still getting paid. Only now you don’t know exactly how or what amount they are paid.

    Refinance Fee Quick Facts

    • When it comes to origination fees, transparency is the best policy.
    • The industry average for refinance application fee is around $399.
    • When applying, make sure this fee is bundled into your total savings amount and not added on afterward (it usually is bundled with major lenders like Caribou and RateGenius).
    • You will still save money when you refinance your car, and the lenders and marketplace will still get paid.

    Auto Refinance FAQs

    Have questions about the best auto refinance companies and how you can find the right lender to refinance your car?

    Check out the information below for answers to frequently asked questions and common concerns.

    What is the best auto refinance company?

    There are many companies which provide auto refinancing services. The best company for you depends on which one will service your area, accept your credit score, and provide the loan offer you want.

    How much does auto refinancing cost?

    There is normally a loan application fee which is also called a loan origination fee. This fee normally costs around $399 and is charged for your loan handling and processing with lenders.

    What is a loan origination fee?

    A loan origination fee is usually a set amount charged for processing and finalizing your loan. It is paid to the lender or lending marketplace which completes the lending process.

    Is paying a loan origination fee worth it?

    Oftentimes yes, paying for a loan origination fee to refinance your car is worth it. This is because the savings you can gain from refinancing your car over the life of your loan is normally many times greater than the fee.

    What is a lending marketplace?

    A lending marketplace is a platform which provides different financial services, connects you to a wide lender network, and helps you compare rates and offers between lenders.

    Should I use a lending marketplace?

    A lending marketplace can be a great place to research loan offers. It can save you time and effort by allowing you to apply to many lenders automatically at the same time versus applying to each lender individually.

    What is a soft credit pull?

    A soft credit pull is an initial check to verify a borrower's qualifications during the early stages in the refinance process. This pull is performed using a borrower's personal information, including possibly their social security number or SSN, to verify they are eligible for a rate and term offer.

    When is a soft credit pull performed?

    A soft credit pull is usually performed during the pre-qualifying or pre-approval process. Soft credit pulls normally do not impact your credit score.

    What is a hard credit pull?

    A hard credit pull is a final check before a lender issues a new line of credit. This pull submits a borrower's information to credit reporting bureaus to double check the risk estimates associated to extending the credit.

    When is a hard credit pull performed?

    A hard credit pull is normally done during the loan offer finalization process. This pull signals that a new line of credit is being issued to the party which will affect their credit score.

    Is my SSN needed to refinance my car?

    Yes, you usually have to provide your SSN or social security number to finalize your refinanced loan.

    When is a SSN needed during refinancing?

    Lenders can use a borrower's social security number or SSN at several points in the refinancing process. This includes pre-approval, personal information verification, and loan finalization. If an SSN is not available or the borrower does not have one, lenders may be able to substitute other information.

    Calculate Refinance Savings

    Wondering how much you can save with the best auto refinance companies? Calculate your savings with the car refinance calculator.

    *** Interest rates and APRs based on individual marketplace applications using optimal credit scores, recent-year vehicles, and specific terms. Actual rates may differ. Check with individual marketplaces for information on how to access stated rate