Auto Refinance · Head-to-head
AutoPay vs LendingClub: Which auto refinance wins?
Side-by-side comparison of AutoPay and LendingClub auto refinance — APR ranges, credit floors, application speed, and editorial verdict.
AutoPay
Most flexible refi marketplace — quotes from 20+ lenders, covers subprime to prime, with terms up to 96 months. Highest savings potential when refinancing dealer financing.
LendingClub
Refi-only specialist with no prepayment penalty and a clean digital flow. 660+ FICO floor means it's a prime / super-prime tool, not subprime. Loan ceiling caps at $55k — won't work for luxury refis.
In plain English
AutoPay wins on both dimensions — lower APR floor (4.99% vs 5.74%) AND lower credit floor (560+ vs 660+ FICO). LendingClub can still be the better fit when application speed or loan-amount ceilings matter more — see the verdicts below.
Side-by-side breakdown
| Feature | AutoPay | LendingClub |
|---|---|---|
| APR range | 4.99–17.99% | 5.74–24.99% |
| Min credit score | 560 | 660 |
| Loan amount | $5K–$100K | $5K–$55K |
| Term length | 24–96 mo | 24–72 mo |
| Overall rating | 4.8/5 | 4.4/5 |
| Rates & APR score (40%) | 4.8 | 4.4 |
| Loan terms score (25%) | 4.9 | 4.3 |
| Application score (20%) | 4.8 | 4.5 |
| Support score (15%) | 4.6 | 4.2 |
APR range
AutoPay
4.99–17.99%
LendingClub
5.74–24.99%
Min credit score
AutoPay
560
LendingClub
660
Loan amount
AutoPay
$5K–$100K
LendingClub
$5K–$55K
Term length
AutoPay
24–96 mo
LendingClub
24–72 mo
Overall rating
AutoPay
4.8/5
LendingClub
4.4/5
Rates & APR score (40%)
AutoPay
4.8
LendingClub
4.4
Loan terms score (25%)
AutoPay
4.9
LendingClub
4.3
Application score (20%)
AutoPay
4.8
LendingClub
4.5
Support score (15%)
AutoPay
4.6
LendingClub
4.2
Editor verdicts
Why we rate AutoPay 4.8/5
Most flexible refi marketplace — quotes from 20+ lenders, covers subprime to prime, with terms up to 96 months. Highest savings potential when refinancing dealer financing.
Read the full AutoPay reviewWhy we rate LendingClub 4.4/5
Refi-only specialist with no prepayment penalty and a clean digital flow. 660+ FICO floor means it's a prime / super-prime tool, not subprime. Loan ceiling caps at $55k — won't work for luxury refis.
Who should pick which?
Pick AutoPay if…
- You have strong credit and want the lowest published APR (from 4.99%).
- Your FICO is closer to 560 — you need a lender with a lower credit floor.
- You prefer a fast, soft-pull-friendly online application.
Pick LendingClub if…
- You trust LendingClub's 4.4/5 editorial score.