Autopay review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Autopay is a US marketplace that puts your application in front of a lender network, and it suits drivers who want a car payment moved or debts brought into a single loan. Amounts run $2,500 to $100,000, so there is room for a used car or a balance you are consolidating.

Key facts

Best for
A car refinance or debt consolidation loan for a US driver with poor credit.
Loan amount
$2,500 to $100,000 (Source, checked September 26, 2026)
Term
24 to 96 months (Source, checked September 26, 2026)
Arrangement fee
0 USD (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
US residents in states where the company or a lender-network party is licensed; requires driver's license, insurance, proof of income, proof of residence, VIN and credit report (Source, checked September 26, 2026)
Loan types
Car, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
The Savings Group, Inc. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
autopay.com

Apps and profiles

Elsewhere
LinkedInXbbb.org

Pros and cons

Pros

  • The origination fee is 0 USD, so there is no separate arrangement charge added to the quote.
  • Support runs on phone, email and help centre, so a question can go to a person or in writing.
  • Licences cover the operation: an Oregon Consumer Finance License for AutoPay Direct, Inc., 2252934, and NMLS registration for RGLS Lending, Inc., 2285557.

Cons

  • Every application runs a hard credit check, the stricter kind of search.
  • Eligibility follows US state licensing, so you can apply only where the company or a lender network party is licensed.
  • Repayment runs over 24 to 96, so the same amount takes longer to clear than over a shorter term.
Autopay

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Scored 8.6 / 10 by BorrowCue.

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Who it suits

  • US drivers with a car payment they want to move, or households bringing several balances under a single loan.
  • Applicants who can gather a driver's licence, insurance, proof of income, proof of residence, the VIN and a credit report.
  • Borrowers who would rather be matched to a suitable lender than fixed to a single lender's product, since the lender kind is marketplace.

Who should look elsewhere

  • Anyone outside the US, or in a state with no licence, since eligibility follows US state licensing.
  • Creduma ES, if you want to borrow euros instead: from €12,000 against the US dollar amounts at Autopay.
  • Sofkredit, whose €12,000 to €300,000 belongs to a euro market rather than the US dollar market at Autopay.

How Autopay compares

Where Autopay is available

Available
United States
Licence in United States
Oregon Consumer Finance License (AutoPay Direct, Inc.) (2252934), checked September 26, 2026
Licence in United States
NMLS (RGLS Lending, Inc.) (2285557), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What can I use an Autopay loan for?+

Autopay covers car and debt consolidation, and home improvement is listed as a use case. In practice that means a car payment you want to move, or balances you want to bring under a single loan. Because the lender kind is marketplace, the offer itself comes from a lender in the network rather than from Autopay.

How much can I borrow, and over what term?+

Amounts run $2,500 to $100,000 and terms run 24 to 96, so the money available is not a small top up. That range suits a used car payment or a consolidation balance rather than a quick repair bill. A longer term spreads the same amount over more time, so the monthly figure falls while the total cost runs longer.

What fees does Autopay charge?+

The origination fee is 0 USD, so the arrangement step does not add a separate charge on top. That matters most on a consolidation loan, where the goal is a lower monthly figure. Compare the total on the lender offer with what you pay now, since the origination fee is the only charge listed for the account.

What credit check runs, and what credit is needed?+

The credit check is hard and the credit needed is poor, so Autopay is aimed at applicants whose file is not in good shape. A hard check is the stricter kind and is recorded on your credit report. The application also asks for proof of income, proof of residence, insurance, a driver's licence and the VIN.

Who actually lends the money, and is it regulated?+

The operation runs under The Savings Group, Inc., and the lender kind is marketplace, so the money comes from a network partner rather than from Autopay directly. Two US licences are listed: an Oregon Consumer Finance License for AutoPay Direct, Inc., 2252934, and NMLS registration for RGLS Lending, Inc., 2285557.

Who can apply, and in which states?+

Autopay is headquartered in the United States and takes US residents, and only in states where the company or a lender network party is licensed. The application asks for a driver's licence, insurance, proof of income, proof of residence, the VIN and your credit report. If you live in a state with no licence, check before you gather documents.

How do I get help once I have an offer?+

Support runs on phone, email and help centre, so you can pick the route that suits the question. A call handles a confusing payment date, while the written route leaves you a record for your files. Keep your VIN and income documents handy, since a lender on the network may ask for them again.

Sources

  • autopay.com/faq checked September 26, 2026

    Backs: Loan amount, Credit needed, Term

    “We offer loan amounts from $2,500 to $100,000.”

  • autopay.com/licenses checked September 26, 2026

    Backs: Licences

  • autopay.com/refinance-auto-loan checked September 26, 2026

    Backs: Loan types, Arrangement fee, Use cases

    “Consolidate debt: Use a cash-back refinance to pay down credit card or personal loans with higher rates.”

  • autopay.com/terms checked September 26, 2026

    Backs: Credit check, Eligibility, Headquarters, Legal entity, Lender type, Support channels

    “You authorize us to pull your credit report and obtain related information about you from one or more consumer reporting agency for the purpose of evaluating your credit options for financing your...”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Funding time, Representative example.

Autopay

Autopay

A car refinance or debt consolidation loan for a US driver with poor credit.

8.6/10See alternatives

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