Auto Loan · Editor review
AutoPay review.
Best for: Shoppers who want to compare 20+ lender offers from a single application without multiple hard pulls.
APR range
5.69–17.99%
Min credit
580+
Loan amount
$5,000–$100,000
Term
24–84 mo
What we like
- +Single soft credit pull shops 20+ lenders for you
- +580 FICO floor — covers most credit bands
- +Works for purchase, refinance, and lease buyout
- +No application fees; no obligation to accept any offer
What we don't
- −You don't pick the originating lender — AutoPay does
- −Final hard pull happens at the lender that accepts your application
- −Newer subprime offers can carry higher origination fees baked into APR
- −Customer service routed through partner lenders, not AutoPay directly
Editor's verdict
AutoPay is the cleanest marketplace play in auto lending — one soft-pull application shops your file across 20+ lenders simultaneously. The trade-off: you don't choose your lender (AutoPay picks the best match). For most shoppers this is a feature, not a bug.
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
AutoPay FAQ
How is AutoPay different from LendingTree?+
Both are marketplaces, but AutoPay specializes in auto loans only and curates a tighter network of ~20 vetted lenders. LendingTree's network is broader (40+ lenders across multiple loan types) but its auto-loan vertical produces noisier matches. For pure auto, AutoPay tends to produce cleaner offer sets.
Will using AutoPay hurt my credit score?+
AutoPay's pre-qualification step is a soft pull — zero score impact. Only the lender you accept the final offer from runs a hard inquiry. As long as you complete your shopping in a 14-day window, FICO treats all auto-loan hard pulls as a single inquiry, so even multiple finalists won't compound.
Can I use AutoPay if I'm self-employed or have non-W2 income?+
Yes. AutoPay's network includes lenders comfortable underwriting 1099 / self-employed / commission income. You'll provide income documentation (typically 2 years of tax returns or 6 months of bank statements) at the offer-acceptance stage.
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