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AUTOPAY is a legitimate auto loan marketplace, in business since 2007, BBB accredited with an A+ rating since 2011 and part of The Savings Group, Inc., the same company behind RateGenius and Tresl. It does not lend; it matches you with credit unions and other lenders, and its October 2026 rate table shows average APRs from 4.67% (750+ credit, 36 months) to 13.43% (below 640, 60 months). The main things to watch are offers that change after a full credit review and pressure to add a vehicle service contract or GAP, which are optional. Use it to get one more quote, then compare it with your own bank or credit union before you sign.
Your options
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AutoPay This review Borrowers who want a refinance or lease buyout quote across credit unions with one application and are ready to say no to add-ons.
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Gravity Lending Alternative A separate marketplace with a published 3.89% starting APR for 740+ credit, useful as a second quote outside The Savings Group.
- What it is
- Auto loan marketplace for refinancing, purchase loans, lease buyouts and cash-out refinancing; the loan comes from a partner credit union, bank or licensed lender2
- Company
- AUTOPAY Direct, Inc. (NMLS #2252934), a subsidiary of The Savings Group, Inc., which also operates RateGenius and Tresl; headquartered in Austin, Texas and Denver, Colorado4
- Sample APRs
- 36 months: 4.67% (750 to 850 credit), 6.48% (700 to 749), 8.03% (640 to 699), 11.84% (below 640), averages as listed October 20261
- Loan amounts and terms
- $2,500 to $100,000; 24 to 96 months for qualified applicants2
- Vehicle and loan limits for the rate table
- Under 10 years old, under 120,000 miles, personal use; current balance $10,000 to $55,000, at least 1 month old, at least 24 payments left1
- Offer validity
- Pre-qualification and lender-approved offers are valid for 30 days2
- Add-on products
- Sells vehicle service contracts and GAP coverage; both are optional2
- Customers
- AUTOPAY says it has helped more than 700,000 customers3
- Company-reported rating
- Company-reported reviews: 4.7 stars, 15,000 reviews; Google review widget shown on AUTOPAY's site; not independently verified9
Pros
- Publishes average APRs by credit tier and term
- Wide range: $2,500 to $100,000 and terms up to 96 months
- Works with all credit tiers, including below 640
- Also handles lease buyouts, purchase loans and cash-out refinancing
- BBB A+ and accredited since 2011
Cons
- Not a lender, so your final rate and service depend on the partner lender
- Doesn't publish its own fees
- Reviewers report pressure to buy service contracts and GAP
- 188 BBB complaints and 106 CFPB complaints in three years
- AUTOPAY, RateGenius and Tresl share a parent and lender network, so quoting all three may not add competition
Best for: Borrowers who want a refinance or lease buyout quote across credit unions with one application and are ready to say no to add-ons.
Skip it if: You want a direct lender with published fees, or you already have a strong quote from your own bank or credit union.
AutoPay vs. competitors
| Company | Model | Sample or starting APR | Loan amounts | Terms | Parent company | Next step |
|---|---|---|---|---|---|---|
| AUTOPAY | Marketplace | 4.67% average (750+, 36 months) | $2,500 to $100,000 | 24 to 96 months | The Savings Group | Visit site |
| Gravity Lending | Marketplace; hard pull | 3.89% (FICO 740+, 36 months) | Not published | 25 to 84 months | Wildhorse Financial Services | Visit site |
| Tresl | Platform with partner credit unions | Not published | Not published | Not published | The Savings Group (same as AUTOPAY) | Read review |
| LendingTree | Marketplace, not a lender | Partner starting APRs from 1.00% to 4.99% (August 31, 2026) | $2,500 to $150,000 | 12 to 96 months | LendingTree, Inc. | Visit site |
AutoPay pricing at a glance
AUTOPAY average auto refinance APRs by credit tier, as listed October 20261
| Term | 750 to 850 | 700 to 749 | 640 to 699 | 0 to 639 |
|---|---|---|---|---|
| 36 months | 4.67% | 6.48% | 8.03% | 11.84% |
| 48 months | 5.55% | 7.15% | 10.11% | 13.27% |
| 60 months | 5.68% | 7.05% | 9.81% | 13.43% |
| 72 months | 6.15% | 7.16% | 9.84% | 13.35% |
AUTOPAY says these are averages of rates available among lenders in RateGenius's lender network, assuming a loan-to-value ratio up to 125% and debt-to-income up to 50%. They don't bind any lender, and rates may not be offered in every state. AUTOPAY doesn't publish its own fees; check the lender's contract for title, registration and any origination charges.
AutoPay, step by step
Apply online or by phone
Enter details about you, your income and your car. AUTOPAY's FAQ notes that rate shopping within two weeks counts as one inquiry for that type of loan.
Review offers
AUTOPAY's lending partners return offers, which stay valid for 30 days. Treat early numbers as estimates until a lender approves you.
Send documents
Expect to provide a driver's license, proof of insurance, proof of income, proof of residence and a payoff letter from your current lender.
Decide on add-ons
You may be offered a vehicle service contract or GAP coverage. Both are optional and raise your total cost if rolled into the loan.
Sign and switch
Sign online; the new lender pays off your old loan. Keep paying the old lender until you confirm the payoff posted.
AUTOPAY legitimacy and licensing
Yes. AUTOPAY has operated since May 2007 from Denver, according to the BBB, which rates it A+ and lists it as accredited since June 20, 2011. Its site says loans are arranged through AUTOPAY Direct, Inc. (NMLS #2252934), a subsidiary of The Savings Group, Inc., which also runs RateGenius and Tresl and is headquartered in Austin, Texas and Denver, Colorado. The Savings Group says every lender in its network is an FDIC-insured bank, a credit union or a licensed lender. You can look up the NMLS number on NMLS Consumer Access.
AUTOPAY is a middleman, not the lender. After closing, you make payments to the partner lender. Calls or mail claiming to be AUTOPAY that ask for an upfront fee are a red flag, so contact the company through autopay.com or (844) 491-7659.
AUTOPAY rates and fees
AUTOPAY’s October 2026 rate table shows average APRs from 4.67% for 750 to 850 credit on a 36-month loan to 13.43% for credit below 640 on a 60-month loan. Those figures are averages across RateGenius’s lender network, not offers, and they assume your loan is no more than 125% of the car’s value and your debt-to-income ratio is 50% or less. The table applies to cars under 10 years old with under 120,000 miles and loan balances of $10,000 to $55,000; AUTOPAY’s FAQ lists loans from $2,500 to $100,000 and terms from 24 to 96 months.
AUTOPAY does not publish a service fee on its FAQ or rate page. Your final contract can still include title and registration fees and any lender charges, and the cost of a service contract or GAP if you add one. Ask for the itemized amount financed before you sign.
How AUTOPAY refinancing works
You apply online or by phone with details about your income and car. AUTOPAY’s partner credit unions and financial institutions return offers, which are valid for 30 days. To finish, you send a driver’s license, proof of insurance, proof of income, proof of residence and a payoff letter, then sign online. The new lender pays off your old loan. Besides refinancing, AUTOPAY arranges purchase loans, lease buyouts and cash-out refinancing.
A longer term lowers your payment but can raise the total interest you pay. Before you accept, compare the total cost of the new loan, not only the monthly payment.
What customers say about AutoPay
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Helpful, patient loan agents who explain each step
- Fast processing and e-signing
- Lower monthly payments after refinancing
- Clear communication through closing
Common complaints
- Pressure to buy extended warranties or GAP
- Rates or payments that changed after the full credit check
- Missed follow-ups and slow payoff to the old lender
- Credit inquiries some applicants didn't expect
AUTOPAY complaints and how to avoid problems
The CFPB database lists 106 complaints against AC AutoPay LLC from October 2023 to October 2026, mostly about getting a loan (49) and improper use of a credit report (32); AUTOPAY closed all of them with an explanation and responded on time. The BBB shows 188 complaints in three years. On Trustpilot, AUTOPAY scores 4.7 out of 5 from 1,694 reviews, but the one-star reviews (11%) describe pressure to buy extended warranties, missed follow-ups and rates that changed late in the process.
- Ask whether each step uses a soft or hard credit inquiry before you agree.
- Get the final APR, term, amount financed and every fee in writing.
- Decline the service contract and GAP unless you want them, and price GAP with your insurer too.
- Keep paying your old loan until the payoff shows as complete.
- Report unresolved problems to the CFPB at consumerfinance.gov/complaint or your state attorney general.
Service contracts and GAP: what to know
AUTOPAY sells vehicle service contracts and Guaranteed Asset Protection (GAP), which covers the difference between your car’s value and your loan balance after a total loss. Neither is required to refinance. If you roll either into the loan, you pay interest on it for the full term. The FTC advises checking what a service contract excludes, such as normal wear and tear, and who is responsible for the coverage, since a contract is only as good as the company behind it. Read the cancellation terms before you sign.
Who should skip AUTOPAY
Skip it if your loan is small or nearly paid off, since fees and a fresh term can outweigh the savings, or if your car is older than 10 years or over 120,000 miles, outside its rate table. If you have strong credit and a credit union membership, get that quote first. And because AUTOPAY, RateGenius and Tresl share one parent and lender network, add a quote from an unrelated lender to make sure you are seeing real competition.
Alternatives to AutoPay
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Your bank or credit union
Often the cheapest option, and a direct quote gives you a benchmark to compare against any marketplace offer.
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A separate marketplace with a published 3.89% starting APR for 740+ credit, useful as a second quote outside The Savings Group.
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Compare several lenders side by side, including partners with published starting rates.
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Keep your current loan
If your loan is nearly paid off or your new rate is only slightly lower, title fees and a longer term can cancel out the savings.
Next steps
AutoPay reviews
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Frequently asked questions
Is AUTOPAY a legit company?
Yes. AUTOPAY has operated since 2007, is BBB accredited with an A+ rating, and arranges loans through AUTOPAY Direct, Inc. (NMLS #2252934), part of The Savings Group, Inc.
Is AUTOPAY a lender?
No. It is a marketplace that connects you with partner credit unions, banks and licensed lenders. You make payments to that lender after closing.
What credit score do you need for AUTOPAY?
AUTOPAY doesn't publish a minimum. Its rate table includes a 0 to 639 tier, and it says its lenders cover all levels of credit, though lower scores get higher rates.
What are AUTOPAY's current refinance rates?
As listed October 2026, average APRs on a 36-month loan are 4.67% for 750 to 850 credit, 6.48% for 700 to 749, 8.03% for 640 to 699 and 11.84% below 640. Your offer can differ.
Does AUTOPAY charge fees?
AUTOPAY doesn't publish a service fee. Your loan contract can include title, registration and lender fees, plus any service contract or GAP you choose to add.
Does AUTOPAY do a hard credit pull?
AUTOPAY's FAQ doesn't say which steps use a soft or hard inquiry. It notes that auto loan inquiries within two weeks are generally reported as one. Ask before you agree to any credit check.
How long does AUTOPAY take?
Offers are valid for 30 days. Some reviewers say they closed within hours, while others report slow payoffs to the old lender, so keep paying the old loan until the payoff is confirmed.
Who owns AUTOPAY?
The Savings Group, Inc., which also operates RateGenius and Tresl and is headquartered in Austin, Texas and Denver, Colorado.
Can AUTOPAY refinance a lease buyout?
Yes. AUTOPAY lists lease buyout loans along with refinancing, purchase loans and cash-out refinancing.
What documents does AUTOPAY need?
A driver's license, proof of insurance, proof of income such as pay stubs or tax returns, proof of residence and, for a refinance, a payoff letter from your current lender.
Sources (13)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- AUTOPAY: Auto refinance rates (accessed October 12, 2026)
- AUTOPAY: FAQ (accessed October 12, 2026)
- AUTOPAY: About us (accessed October 12, 2026)
- AUTOPAY: Legal and licensing (The Savings Group subsidiaries) (accessed October 12, 2026)
- AUTOPAY: Licenses (accessed October 12, 2026)
- BBB: AC Auto Pay (accessed October 12, 2026)
- Trustpilot: AUTOPAY reviews (accessed October 12, 2026)
- CFPB: consumer complaint database, AC AutoPay LLC (accessed October 12, 2026)
- AUTOPAY: Home (accessed October 12, 2026)
- FTC: Auto service contracts and warranties (accessed October 12, 2026)
- CFPB: Auto loans consumer tools (accessed October 12, 2026)
- Gravity Lending: Auto loan refinance (accessed October 12, 2026)
- LendingTree: Auto loan refinance (accessed October 12, 2026)
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