Get QuoteSecure site · Updated July 2026
- Starting APR
- 5.24%
- Loan amount
- $8K–$85K
- Min. credit score
- 560
- Term range
- 24–84 months
Why it stands out
Auto Approve highlights
- Refinance-first model built to lower an existing payment
- A single agent handles the payoff and title transfer
- Network of banks and credit unions competes for your loan
- Cash-out and lease-buyout refinancing both available
The verdict at a glance
Pros and cons
Pros
- Hands-off process; the agent does the chasing for you
- Soft credit check to see rates before you commit
- Strong track record trimming payments for used-car owners
Cons
- Refinance only, so it is no help on a fresh purchase
- Older, high-mileage vehicles may not qualify
Our full review
Our take on Auto Approve
Auto Approve concentrates on refinancing, shopping a network of banks and credit unions to lower the rate on a loan you already have. A dedicated agent handles the paperwork and payoff, so switching lenders takes far less legwork than doing it yourself.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Auto Approve’s own site before you apply.
The alternatives
How Auto Approve compares
Other top-rated lenders in Auto Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | Starting APR | Best for | |
|---|---|---|---|---|---|
| 1 | LightStream | 6.49% | Strong-credit buyers chasing the lowest APR | See Rates | |
| 2 | myAutoloan | 6.79% | Buyers who want to compare multiple offers fast | Compare Offers | |
| 3 | Capital One Auto Navigator | 7.15% | Shoppers who want a pre-qualified budget first | View Offer | |
| 4 | Carvana | 7.90% | Buyers who want car and loan in one place | Visit Site |
- LightStream4.9Best for Strong-credit buyers chasing the lowest APR
- myAutoloan4.7Best for Buyers who want to compare multiple offers fast
- Capital One Auto Navigator4.5Best for Shoppers who want a pre-qualified budget first
- Carvana4.3Best for Buyers who want car and loan in one place