AVG. SAVINGS of $1,648.32/YEAR*

Get vehicle financing that works for You.

Join auto refinance experts at AUTOPAY to make car ownership more affordable.

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Competitive APR

Our network of trusted lending partners compete to deliver you the most competitive rates available**

Avg. savings of $137.36/mo*

We’ll let the numbers speak for themselves. Get started, and get into a better loan in a matter of minutes.

Don't pay for 45 days

Sign documents with just a few taps from your device. Interest accrues from the date of the new contract.

LENDER MARKETPLACE

Shop dozens of trusted lenders.

We've partnered with dozens of different lending institutions to ensure you get the best rate and lowest payment, every time.

HOW IT WORKS

A simple, intuitive online process.

1. See Your Savings

Working with a national network of lenders, we saved our average customer over $1,648.32* last year.

2. Shop rates

Customize the loan that is right for you, and lock in your new rate and payment on your terms.

3. Verify & sign online

Use your account to manage your online application, sign documents electronically, and much more.

PEACE OF MIND

Prioritizing your experience above all else.

We use 128-bit encryption, the same security major banks use, and NEVER sell your personal information to third parties.

FROM OUR CUSTOMERS

What our customers are saying.

      
 Excellent4.714969 reviews
 4.7
 Excellent14969 reviews
  Write a review 
 
 
 
       Posted on Google  
   Rosie Sotelo 
 0 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  My husband and I highly recommend auto pay. they did all the work and Explained the steps to finalize the paperwork all of them were very courteous and we appreciate everything they did for us.
  
 
 
     Posted on Google  
   Pzo 
 1 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Melanie was awesome! Great help with everything
  
 
 
     Posted on Google  
   David Walker 
 2 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Daniel was great and the experience was smooth
  
 
 
     Posted on Google  
   Libbi Ferguson 
 2 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Ryan was very helpful, we were able to communicate through text which made it so much easier. He made the whole process painless and I’m very appreciative of that.
  
 
 
     Posted on Google  
   Marshall Sinclair 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  They reached out and refinanced me and helped me throughout the entire process.
  
 
 
     Posted on Google  
   Tracey Muyanja 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  This was ABSOLUTELY thee best service I’ve had in refinancing any of my vehicles!! Hands down 10 stars ✨ Jeremiah was very easy to work with. Clear communication and did an excellent job in parking my car payment and the main reason for me refinancing.. GAP insurance. My original lender Carmax doesn’t offer GAP insurance so I was very careful these last 2 years driving to avoid crazy drivers while paying for my car. Now I can breathe a little better knowing I’m protected in the event someone else totals out my Jeep. It’s already happened twice before. That’s why it was so important to me. I’m skipping the extended warranty portion because I don’t have that amount upfront but I’m also getting a new engine so there’s that. I would DEFINITELY recommend AutoPay for anyone who’s looking to refinance their vehicle. I am a very happy camper😊
  
 
 
     Posted on Google  
   Val Butcher 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Melanie was a wonderful representative.  Always kept me informed of the process and helped me get refinanced!
  
 
 
     Posted on Google  
   Genaro Villarreal 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Muy bien servicio y la atencion fue exelente muchas gracias a Shantal Vásquez por estar al pendiente y ayudarnos con todo,
  
 
 
     Posted on Google  
   Dr. Sally Mojica 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Very helpful and quick .
  
 
 
     Posted on Google  
   Loria Versher 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Melonie was very helpful and worked with me  to get the rates I needed. She kept me informed until it was completed.
  
 
 
     Posted on Google  
   Zoi Rodriguez 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Elvin has been amazing and so helpful! He guided me through the entire process and answered all of my questions. He was always readily available as well. 10/10 customer service
  
 
 
     Posted on Google  
   Junior Garcia 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Bien
  
 
 
     Posted on Google  
   Bill B 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  My agent Taniessa was very helpful in securing two auto loans for my vehicles.  Very professional from start to finish and would recommend Autopay to anyone.  Five Stars !!!
  
 
 
     Posted on Google  
   David Beattie 
 3 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Susie has been terrific in shepherding our loan through the process.
  
 
 
     Posted on Google  
   TermiteWaldo 
 4 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  They got my interest rate down by almost 2% and Georgia was very friendly and helpful with the entire process. Took 2 weeks to get through the whole process but they made it really easy.
  
 
 
     Posted on Google  
   William Doviw 
 7 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Process was quick, Mick was very patient and listened to what was important to me instead of trying to upsell. The advertised rate was different than what i actually got but it still worked out for me. I did delay the process a bit so part of that was on me. Overall had a great experience.
  
 
 
     Posted on Google  
   tim 
 7 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  The guy Shawn Cook has been an absolute tremendous help, I 10 out of 10 recommend using them for a refinance company!!!
  
 
 
     Posted on Google  
   TK Business 
 7 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  I had a great experience working with Akmal Azlan on refinancing my car. He helped me get a refund and stayed in close contact with me throughout the entire process, from start to finish. He was responsive, reliable, and made what could have been a stressful process really smooth. Highly recommend working with him! Greatly appreciated thank you very much.
  
 
 
     Posted on Google  
   Christopher Robertson 
 7 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Ryan was nice and professional. Very thorough and communicated very well.. Answered all our questions. Thank you, Chris and Karen Robertson.
  
 
 
     Posted on Google  
   Raimel Hedman Lauzarique 
 8 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Carlos Nunes, thank you very much for your excellent service, attention, dedication and patience. Best regards!
  
 
 
     Posted on Google  
   Rene Aguirre 
 9 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Great experience from start to finish.
  
 
 
     Posted on Google  
   roger bartlett 
 10 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Mick got me a lower rate and did the work for me great experience.  Thank you Mick
  
 
 
     Posted on Google  
   Qlue Withaq 
 10 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Mick was a great help through the process, very cut and dry and explained everything very well.
  
 
 
     Posted on Google  
   Tabatha Johnson 
 10 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Easy to work with and very on top of getting everything in order.
  
 
 
     Posted on Google  
   Jackie Ogden 
 13 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  JC was wonderful from the beginning until the final processing.
  
 
 
     Posted on Google  
   Charles Baker 
 14 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  The prompt for and very courteous very quick very efficient
  
 
 
     Posted on Google  
   Paul Voigtlander 
 14 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Quick and easy process.
  
 
 
     Posted on Google  
   Lois Alameda 
 14 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Very Good
  
 
 
     Posted on Google  
   Rainey Emerick 
 14 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Was willing to work with travel communication limitations and still get things done with time taken to answer all questions and customize my options with me. Thanks Steven!
  
 
 
     Posted on Google  
   Ronald L Harris 
 14 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Thank you for helping with a auto refinance. It was fairly quick and easy. Very painless.
  
 
 
     Posted on Google  
   destiny 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Jody was very helpful throughout the entire process with assisting me in refinancing my car loan.
  
 
 
     Posted on Google  
   Laura Rickman 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Polite, professional and very prompt. Would use them again. Shane was very patient with me working through the process.
  
 
 
     Posted on Google  
   Stacey Landis 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  The refinance process was smooth, efficient, and stress-free. The representative was knowledgeable, responsive, and kept me informed every step of the way. Excellent customer service from start to finish.
  
 
 
     Posted on Google  
   CJ Walker 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Ivar was great help and guided me through everything. He constantly called and checked up to make sure everything went smoothly.
  
 
 
     Posted on Google  
   mirelys rodriguez 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  excelente servicio el de salomon
  
 
 
     Posted on Google  
   alicia 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Ivar was friendly and very helpful. I have a new loan and love it!
  
 
 
     Posted on Google  
   Dj Caipo 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Quick, easy, very hassle-free! Solomon was great and answered all my questions.
  
 
 
     Posted on Google  
   Sal Parisi 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  That’s great. It was easy. Everything was done online. Thank you.
  
 
 
     Posted on Google  
   marcus jackson 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Melanie Bruen help us through our refinancing process. It was quick and easy. She was very knowledgeable and courteous to all our questions and concerns along with having top tier customer service. High recommended! Also thank you Credit Karma for the recommendation  to them!
  
 
 
     Posted on Google  
   Angela Spaziano 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Loraine was amazing. She kept me updated, answered all my questions. The transition was really smooth.
  
 
 
     Posted on Google  
   Maritza D'Angelo 
 15 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Susie was amazing to work with. She was kind and helpful and always had a great attitude even when I was very hard to reach due to my busy work days.
  
 
 
     Posted on Google  
   Darlene Sadis 
 16 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Kyle provided extremely excellent service to me, and was very knowledgeable and helped me thru the entire process to go smoothly.
  
 
 
     Posted on Google  
   Kent Isakson 
 16 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Ryan was super easy to work with! Seamless process!
  
 
 
     Posted on Google  
   Nick Jones 
 16 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Very easy start to finish, Twala was excellent to work with and made the entire process easy to understand.  Highly recommend!
  
 
 
     Posted on Google  
   Shaun Johns 
 16 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Using Autopay was easy and straightforward. The rep, Rebecca, who worked with me, made it a real pleasure. I would definitely recommend the process to everyone.
  
 
 
     Posted on Google  
   Brandon Owen 
 17 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Mercedes was very friendly, professional and effective!
  
 
 
     Posted on Google  
   John Maddox 
 17 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  Solomon was extremely helpful and patient with us.
  
 
 
     Posted on Google  
   Christine Myers 
 17 days ago
 
 
 Trustindex verifies that the original source of the review is Google.  I couldn’t believe how fast it was to refinance my car. Thank you Twala for your help.
  
 
 
 
 
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* This value was calculated by using the average monthly payment savings for our customers from March 2, 2026 to August 31, 2026.

** For well-qualified borrowers. Rates are subject to change and may not be available in all states. Customers must meet income qualifications, debt to income requirements and other vehicle restrictions such as loan to value, age, and mileage.

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