| Auto Purchase Loans | Traditional Refinancing | Cash-out Refinancing | |
|---|---|---|---|
| APR | Starting at 4.85% | Starting at 4.85% | Starting at 4.85% |
| Loan Amounts | $2,500-$100,000 | $2,500-$100,000 | $2,500-$100,000 |
| Loan Terms | 12-96 months | 12-96 months | 12-96 months |
Disclaimer: We are an independent information site, not an insurance company. All figures are estimates for comparison only; table data represents full coverage premiums. Please verify final quotes and terms directly with the insurer.
Autopay does not list its lending requirements on its website, but you can get prequalified in minutes through the online form to see possible loan offers. The prequalification process will not affect your credit score. When you submit a formal application, you will need to provide more detailed information, and you may be subject to a hard credit check that could impact your credit score.
The application process is similar whether you are applying for a vehicle purchase, refinance, or lease buyout loan. You will need to prequalify first to explore your auto purchase or refinancing options.
Click or tap the "apply now" button to begin. You will need to provide personal information such as your name, employment status, income, and vehicle details. A higher credit score can improve your chances of approval for a competitive rate. A lower debt-to-income (DTI) ratio can also help.
After you are prequalified, you will receive offers from lenders in Autopay's network. Compare your auto loan offers carefully, paying close attention to the APR and the total cost of each loan.
Select the lender whose offer best matches your needs, then submit your complete application. From this point forward, you will work with your chosen lender instead of Autopay. At this stage, you may need to provide additional personal information to the lender, and the lender will perform a hard credit check.
Review the loan details carefully to make sure everything is correct, then sign the paperwork. If you refinance or qualify for an auto purchase loan through Autopay, you will not be responsible for payments during the first 45 days.
