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Auto Loan Refinance review
AUTOPAY logo

AUTOPAY review

Best for cash-out and lease buyout

Auto financing platform with refinance, cash-out refinance and lease buyout loans through a lender network. Borrowers who want to refinance and take cash out, or buy out a lease, through a lender network. We rank it #5 of 8 in our auto loan refinance comparison, with an editorial score of 8.3 out of 10.

Updated By the ChoosyOwl editorial teamHow we rank
8.3/10
Our editorial score

AUTOPAY scores well on Lender access & flexibility because it offers refinance, cash-out refinance, purchase and lease buyout loans, publishes loan amounts and terms up to 96 months, and works with a network of credit unions and financing institutions. It scores lower on Credit check transparency because the pages we reviewed do not say whether rate shopping uses a soft or hard inquiry, and on Cost & fee transparency because fees are not published.

How we score auto loan refinance

Visit site (AUTOPAY, opens in a new tab)

Quick facts

Our rank#5 of 8
Best forBest for cash-out and lease buyout
Company typeFinancing platform with lender network
Credit check to see offersNot stated; ask before you apply
Published terms24-96 months for qualified applicants, per its site
Loan amounts (as published)$2,500-$100,000
Terms (as published)24-96 months (qualified applicants)
Facts checkedNovember 14, 2026

Details are general and can change. Check current plans, prices and terms on the AUTOPAY site. See the AUTOPAY company profile in our brand directory.

Overview

AUTOPAY is an auto financing platform that partners with a network of credit unions and financing institutions. It offers standard refinancing, cash-out refinancing, purchase loans and lease buyouts, and you can apply online or by phone and sign documents on your phone.

As published on AUTOPAY's site in November 2026, it offers loan amounts from $2,500 to $100,000 and terms from 24 to 96 months for qualified applicants; rates change, check your rate on the lender's site. Its FAQ says each lending partner has its own approval criteria and that you must meet income, debt-to-income and vehicle requirements.

The pages we reviewed do not say whether checking offers uses a soft or hard inquiry, though its FAQ notes that inquiries for one type of financing within a two-week period are reported as one. AUTOPAY's site carries a copyright line for The Savings Group, Inc., the same line that appears on RateGenius's site. It also sells service contracts and GAP, which are optional.

Pros and cons

Pros

  • Wide range of loan types, including cash-out
  • Long maximum term for qualified applicants
  • Published loan amount range

Cons

  • Credit check type not stated on the pages we reviewed
  • No published fee schedule
  • Cash-out and long terms increase total cost

Key features

  • Refinance, cash-out refinance, purchase and lease buyout loans
  • Network of credit unions and financing institutions
  • Published loan amounts and terms
  • Apply online or by phone; e-sign documents
  • Optional service contracts and GAP

Who AUTOPAY is for

A good fit if

Borrowers who want to refinance and take cash out, or buy out a lease, through a lender network.

Look elsewhere if

Anyone who wants a clear soft-pull quote before sharing their details.

How we scored AUTOPAY

AUTOPAY scores well on Lender access & flexibility because it offers refinance, cash-out refinance, purchase and lease buyout loans, publishes loan amounts and terms up to 96 months, and works with a network of credit unions and financing institutions. It scores lower on Credit check transparency because the pages we reviewed do not say whether rate shopping uses a soft or hard inquiry, and on Cost & fee transparency because fees are not published.

Our auto loan refinance score weighs credit check transparency (25%), cost & fee transparency (25%), lender access & flexibility (20%), eligibility clarity (15%), borrower support (15%). See the methodology.

AUTOPAY alternatives

  1. #1
    RateGenius logo

    RateGenius

    Best overall

    Refinance platform with a large lender network and a clear explanation of soft and hard credit checks.

    • Network of more than 150 lenders, per its site
    • Soft inquiry to prequalify; hard inquiry when you apply
    • Apply online or by phone
    • Title and paperwork guidance
    9.1/10
    Editorial score
    Visit site (RateGenius, opens in a new tab) Read review
  2. #2
    RefiJet logo

    RefiJet

    Best for published requirements

    Consultant-led refinance service that publishes its rate, term and eligibility ranges up front.

    • Published APR, term, amount, credit score and income ranges
    • Terms up to 96 months
    • No fee to apply, per its site
    • Possible payment deferral of up to three months
    8.9/10
    Editorial score
    Visit site (RefiJet, opens in a new tab) Read review
  3. #3
    Auto Approve logo

    Auto Approve

    Best for flexible terms

    Refinance service with soft-pull quotes, long term options and a deferred first payment for some borrowers.

    • Soft inquiry to quote; hard inquiry only if you move forward
    • Quote without a Social Security number, per its site
    • Terms typically 12 to 96 months
    • Refinances cars, trucks, SUVs, motorcycles and RVs
    8.7/10
    Editorial score
    Visit site (Auto Approve, opens in a new tab) Read review

Head-to-head

See all 8 auto refinance companies compared

AUTOPAY FAQ

What loan amounts does AUTOPAY offer?

As published on AUTOPAY's site in November 2026, loan amounts range from $2,500 to $100,000 and terms from 24 to 96 months for qualified applicants; rates change, check your rate on the lender's site.

Does AUTOPAY offer cash-out refinancing?

Yes, AUTOPAY lists cash-out refinance among its loan types. Taking cash out increases the amount you owe on the car, so compare the total cost carefully.

Does AUTOPAY do a soft credit check?

The pages we reviewed do not say. Its FAQ notes that inquiries for one type of financing within a two-week period are reported as one. Ask AUTOPAY before you apply.

Sources and fact check

We checked the facts on this page against AUTOPAY's own website on . Published ranges are quoted as shown on the provider's site on November 14, 2026; they change, so check the current figures before you apply.