Auto Loan Finance

Apply in minutes,
start saving today!

Simple & easy auto loan finance

Our auto-loan solutions

Auto Refinance

Auto Refinance

We’ve streamlined the lending process from start
to finish. The simplicity of our online application, combined with our
diverse network of lenders makes it easy for us to find the most competitive rates and deliver an offer that works best for you. 

New Car Loan

New Car Loan

We’re like a virtual financial office – minus the stress – guiding you through the auto loan process from start to finish. As you shop for the new (or pre-owned) car you deserve, AUTOPAY will make your shopping experience easier, faster, and more pleasant.
Lease Buyout

Lease Buyout

There are many reasons to seek a lease payoff. Keep your car at the end of your base term, pay off your lease early, or avoid paying high mileage and other fees. AUTOPAY can help make sure it’s the right decision for you. Let us help you start saving some money.

Tap into our marketplace of
lenders

With our network of lenders, we have solutions for all credit profiles. The simplicity of our online application process combined with our diverse network of lenders makes it easy for us to find the most competitive rates and deliver the offer that works best for you.  

How it works

Apply in minutes

1. Apply in minutes

Ready to save on your car payments? Fill out your application online or over the phone, just enter a few easy details about you and your vehicle and we’ll have you on your way.

Confirm your details

2. Confirm your details

We’ll let the numbers speak for themselves. Our network of trusted lending partners compete to deliver you the lowest interest rates available**.

Sign & finalize online

3. Sign & finalize online

Sign your documents with just a few taps from your own mobile device, and you are ready to go.

Provide verifications online with
bank level security

We use 128-bit encryption, the same security major banks use, and would NEVER sell your personal information to third parties. There is no need to visit banks or talk to multiple parties. We handle the whole refinance transaction process.

 

What Our Customers Are Saying

ExcellentGoogle star 1Google star 2Google star 3Google star 4Google star 54.715014 reviews
4.7Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent15014 reviews
Posted on Google Google
Terry
0 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Application was straightforward. Loan specialist kept in contact with utmost professionalism!
Posted on Google Google
Kelly Kramer
0 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
The process was easy and pain free! Taylor was excellent!! He explained everything fully and was personable and funny. Overall, it was a great experience!
Posted on Google Google
Kimberly Merrill
0 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
The application and approval process was fast and smooth! They were always available to answer any questions. I would highly recommend them!
Posted on Google Google
Joey Bolen
0 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very helpful and make the process super easy.
Posted on Google Google
Kalie Kham
0 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Patrick is super helpful!! He helped us do everything super quick and easy.
Posted on Google Google
Donald Wenzel
1 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Aaron, my representative did a great job in lowering my interest rate on my car loan. He was very accommodating and very professional.
Posted on Google Google
Zygraile
2 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Taylor was amazing!! The absolute most personalized experience I've had with any type of service, from someone who actually seemed to truly care. I can not praise this man enough, ty so much!!
Posted on Google Google
Krystin Walter
2 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Akmal was such a blessing to work with! He went above and beyond to help us refinance and get us every penny that he could back. We were skeptical but it was truly an exceptional experience. I would recommend him to all my friends and family! He held our hands the whole way!
Posted on Google Google
Hadda Medfouni
2 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
A very good experience Megan was excellent in communication and made the loan process smooth and easy . Thanks so much
Posted on Google Google
Randy Skaggs
2 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
They gave professional advise and several options on loans. Closed fast and communication was very good.
Posted on Google Google
Zelda Garcia
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Logan was great to work with. Very attentive
Posted on Google Google
Mauricio40FPS
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Nice service 👌
Posted on Google Google
David Vasquez
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Fantastic job on my auto loan refinance. A great interest rate and the customer service was fantastic.
Posted on Google Google
Gee
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Sharon was awesome for helpful and professional will recommend
Posted on Google Google
hongwei wang
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Thank you very much for your serious and careful service.
Posted on Google Google
Gunnar G
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Mick was very informative throughout the entire process and kept me updated on each step. He was very responsive and friendly!
Posted on Google Google
Quad McClelland
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Akmal azlan is the best very performative when it come to clients highly recommend this guy he deserve employee of the year thanks for everything
Posted on Google Google
Devin Egbert
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had a wonderful experience with Phenix. I submitted an application through Credit Karma and got a phone call within 20 minutes. This was my first time refinancing my car and my first time making a big financial decision all on my own. She made the experience seamless, helped me with all of my questions and concerns, and found me the best loan for my situation. I was able to get a loan that has a maintenance plan on it and it is still a much more affordable option than what I was paying before. Thank you so much to Phenix and AutoPay.
Posted on Google Google
Brian Powell
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very good experience
Posted on Google Google
Vera Sphar
4 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
They are awesome. Great customer service. Cody Sena gets an A+. Thankyou.
Posted on Google Google
Frank Frenette
4 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Exceptional
Posted on Google Google
Surita Fields
4 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I am using this company for the second time to refi my auto loan, and pleased with both representatives who assisted in the process. Mr. Mike was absolutely amazing to work with.
Posted on Google Google
Edward Lepe
5 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Christopher at Autopay was great to work with. He was diligent, communicative, friendly and effective at helping me refinance my car. Great experience, highly recommend Christopher and Autopay!
Posted on Google Google
Tristan Ballog
5 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I’m impressed by how quick and easy refinancing my vehicle was.
Posted on Google Google
dalton silvey
6 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I dealt with Mike, who was great! Super informative, very thorough in answering all of my questions and explaining every detail. He was also available any time I needed something or had questions. It was a great experience and they gave me a great rate on my refinance and was able to help me match all the parameters I was seeking.
Posted on Google Google
Kachaya Key
6 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Smooth transition, very clear communication, and great customer service.
Posted on Google Google
Teri Neil
6 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Ryan was very helpful throughout the process. I would definitely recommend working with this company.
Posted on Google Google
Teresa Salazar
10 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very professional. I recommend them. Personally, they helped me a lot.
Posted on Google Google
Khoa Nguyen
11 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Mick was attentive and fast. We were able to get exactly what I needed in this refi .
Posted on Google Google
Ryan Reeves
13 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had a great experience with AutoPay! I was looking to get out of my old loan with Santander because, even though I could afford the payments, it was causing me a lot of unnecessary financial stress. I knew it was time for a change, and AutoPay made the whole process easy and helped me switch to a different lender. A huge shoutout to Taylor for helping me through everything and making sure I got a deal I was happy with. He was a big help throughout the process, and I really appreciate the time and effort he put into helping me find a better option. I’m glad I made the switch and couldn’t be happier with how everything turned out. If you’re thinking about refinancing your auto loan, I definitely recommend giving AutoPay a try!
Posted on Google Google
James Blood
14 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I worked with Melanie on our car refinance. She made the process easy and she was very professional. I highly recommend Autopay and Melanie to anyone looking to refinance their vehicle loan.
Posted on Google Google
Johanna DiBlasi
17 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had a very good experience, everything went smooth and I was able to accomplish what I wanted. Thank you
Posted on Google Google
Larry Garrison
18 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
This was a very positive experience Taylor, who assisted us was very understanding professional made the experience enjoyable I would recommend this company to anybody I know when trying to refinance a car seamless easy and quick
Posted on Google Google
Shelly Shields
18 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Taylor Dehn was my Fiancé’s loan specialist helping him with a refi on his truck. Taylor was absolutely amazing throughout the process and we appreciated everything he did to help guide us through it all start to finish. We HIGHLY recommend them and will absolutely use them and Taylor for future loan needs. Thanks again Taylor! You’re the BEST!
Posted on Google Google
Stephanie B.
18 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Coming into this experience I was very hesitant because I didn’t know if this was a real opportunity. Then I met Robert Olson via phone and messages and he assured me that he can help me. He was very patient with me and walked me through every step of the way. If I didn’t have him working with me I may have opted out but I didn’t. Thank you, Robert for such a great experience.
Posted on Google Google
amber diesta
19 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐⭐⭐⭐⭐ We had such a great experience working with Ryan and Rachel while refinancing our car! Ryan was incredibly helpful, patient, and accommodating throughout the process, making sure our monthly payment was within our budget and that our payment date worked with our schedule. When Ryan was off, Rachel was also there to help us and made sure we were taken care of. We truly appreciate how both of them listened to our needs, respected our wishes, and went above and beyond to make everything work for us. The entire experience was smooth and stress-free, and we felt supported every step of the way. Thank you, Ryan and Rachel, for your excellent customer service and for making this such a positive experience! We highly recommend them to anyone looking to refinance their vehicle!
Posted on Google Google
Shanti Guerrero
20 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Taniessa was incredible to work with. She made the refinance process go so smoothly and had exceptional communication along the way. I never had to wonder how much longer it would be or what to expect because she was always transparent & proactive about every step. I would highly recommend AutoPay and Taniessa specifically if you’re seeking a positive & professional experience and an incomparable refinance outcome.
Posted on Google Google
Bakhtiyor Lalbekov
20 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had a very positive experience working with AUTOPAY on my auto loan refinancing. The team was professional, helpful, and patient with my questions. I especially appreciated their assistance with the paperwork and their efforts to guide me through the process. Thank you to everyone who worked on my case. I would gladly recommend AUTOPAY to anyone considering refinancing their vehicle!
Posted on Google Google
Jim Raffaele
20 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had a very pleasant experience dealing with AutoPay and their representative Mick, who was very helpful with every step of my auto re-financing process, I highly recommend the use of AutoPay and their representative Mick. Outstanding representation.and A+ satisfaction.
Posted on Google Google
Mike Barnhart
22 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
They made a difficult process easy!
Posted on Google Google
Dale Suppes
22 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very nice and understanding, and kept me informed
Posted on Google Google
ccdub
24 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jackson was very kind and very respectful and guide me all the way through to complete my form. She saved me a lot of money and Save me from a lie from a different bank.
Posted on Google Google
Charles Dingas
25 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very friendly and was very quick to respond
Posted on Google Google
Nat A
25 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Kristofer was fantastic to work with! Easy to contact, quick to respond, professional and friendly. He made this process painless and easy. Thanks Kristofer!
Posted on Google Google
Karrie Yount
25 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very easy process refinancing my vehicle. Rebecca was very thorough with her explanations. She was also quick to respond to all questions.
Posted on Google Google
Travis Williamson
26 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Been working directly with Jelani on an auto Refi and I would hire this guy to work at my business. My schedule has been insane, he has been incredibly patient with that and also very punctual and professional. I haven't worked with anyone else here and haven't asked if you can request a certain individual but if you could I would highly recommend him.
Posted on Google Google
David White
28 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Auto pay is my second time using them .for my vehicle refinance .need to refinance.these guys are the one to used. They treat you like a person.
Posted on Google Google
Teresa Miller
28 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Ryan with Autopay was extremely helpful.

We’re here to help!

We provide our customers with solutions that improve their financial situation. If you’re in the market for a new or used car, we can help you get the rate you deserve. If you already have an auto loan, we could help you find a better rate that lowers your payment.