Advertiser disclosure: we earn money when you refinance through our application, never from the brands we review.
First, the disambiguation this brand forces on everyone: AUTOPAY is a company, not the automatic payment setting on your loan. The company is an auto refinance marketplace that operates in all 50 states and shops your application across a network of more than 200 lenders. It shares that network and its parent, The Savings Group, with two sibling brands, RateGenius and Tresl. Apply through any of the three and largely the same machine goes to work.
That scale is AUTOPAY's real argument. A 200 plus lender network casts a wide net, which matters most for borrowers who do not fit the neat prime box that single lenders love. The tradeoffs are the standard marketplace ones: the final rate comes from the winning lender, follow-up contact comes with the territory, and no single network, however large, sees the whole market. It remains worth checking an independent comparison alongside it.
What it does well
- Network of 200 plus lenders casts one of the widest nets in the category
- Operates in all 50 states
- One application can surface multiple competing offers
Where it gives ground
- Easily confused with the generic autopay feature, which muddies research
- Final terms are set by the winning lender, not AUTOPAY
- Same network as RateGenius and Tresl, so applying to all three is redundant
Yes. AUTOPAY is an auto refinance marketplace: you complete one application and it shops your loan across a network of more than 200 banks, credit unions, and finance companies, then presents the offers you qualify for. It operates in all 50 states, which is broader coverage than many online specialists manage.
The name is the brand's biggest liability. Searching for the company surfaces a wall of content about the automatic payment feature every lender offers. If you arrived here trying to set up autopay on an existing loan, that is a settings page at your current lender, not this company.
Disclosure worth knowing before you apply anywhere: AUTOPAY, RateGenius, and Tresl all operate under one parent, The Savings Group. RateGenius merged with AUTOPAY in 2021 and Tresl was acquired in 2022. The three brands front largely the same 200 plus lender network.
The practical consequence is simple: applying through more than one of the three buys you nothing. Pick one, and treat the other two names as the same quote wearing a different logo. If you want a genuinely second opinion, it has to come from outside The Savings Group's network.
Get a second opinion from outside the Savings Group network
Compare my rate nowAs a marketplace, AUTOPAY does not set your rate; the winning lender does. The size of the network is the pricing story. More lenders bidding means more chances that one of them wants exactly your profile, which tends to help borrowers with average credit, older vehicles, or loan sizes that mainstream banks wave off.
For excellent credit, the difference between networks narrows because everyone wants the loan. In that case the deciding factors become speed, fees rolled into the new loan, and how much follow-up contact you are willing to absorb.
AUTOPAY earns a spot on a serious comparison list on network size alone. But a wide net is not the whole market, and the lender that wins your loan through one flow may never see it through another. The only way to know is to run the numbers through more than one door.
Start with a soft-pull comparison that does not touch your credit score, then line the offers up on total cost, not just the monthly payment. Two minutes of questions is cheap insurance against leaving money with the wrong network.
AUTOPAY makes sense if
- Borrowers who want maximum lender coverage from one application
- Credit profiles outside the prime box that single lenders decline
- People in states thinner networks do not reach
Look elsewhere if
- Anyone who thinks they are signing up for automatic payments, that is not this
- Borrowers who want one direct lender relationship with no middle layer
- People who have already applied through RateGenius or Tresl
Frequently asked questions
Does AUTOPAY refinance car loans?
Yes. AUTOPAY is an auto refinance marketplace operating in all 50 states. One application is shopped across a network of more than 200 lenders, and you choose from the offers that come back.
Is AUTOPAY the same as setting up autopay on my loan?
No. AUTOPAY is a refinance company. The autopay feature on your statement is an automatic payment setting offered by whatever lender you already have. The shared name is a coincidence that confuses nearly everyone.
Are AUTOPAY and RateGenius the same company?
Effectively yes. Both operate under The Savings Group, along with Tresl, and share largely the same 200 plus lender network. Applying through more than one of the three is redundant.
Does AUTOPAY charge a fee to apply?
Marketplaces in this category are typically paid by the lender that wins your loan rather than charging an upfront application fee. Confirm any fees in the loan documents themselves, since specific charges can be rolled into the new loan.
Should I compare AUTOPAY against other refinance options?
Yes, but compare against networks outside The Savings Group, since RateGenius and Tresl draw on the same lenders. An independent comparison with a different network behind it is the only real second opinion.
