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Auto Approve Reviews, Complaints & Contacts

Auto Approve, LLC, based in St. Louis Park, Minnesota, offers auto refinance, lease buyout and motorcycle refinance through a network of lending partners. Its FAQ says a quote uses a soft credit inquiry and that a hard inquiry follows when you move forward, and that it charges no application fee. Its Terms of Service let you withdraw an inquiry or application at any time. Customer service is (844) 336-3365 or [email protected].

REVIEWS & COMPLAINTS0none submitted to USAComplaints yet · see external reviews
PHONE(844) 336-3365Customer service
WEBSITEautoapprove.com
HEADQUARTERSSt. Louis Park, MN
PROFILE CHECKED2026-11-03
Submit a Complaint Call (844) 336-3365 Official website ↗
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Contacts

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Customer service & general contact

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Locations

  • Headquarters5775 Wayzata Blvd, Suite 700 #3327 St. Louis Park MN 55416-1233
  • Branch office233 South Wacker Drive, Suite 4400 Chicago IL 60606
EDITORIAL

Is Auto Approve Legitimate?

BBB, Trustpilot

Legal name
Auto Approve, LLC
Founded
2016
Business type
Auto loan refinance and lease buyout service working through a lender network
Website
autoapprove.comSource: Auto Approve home page, checked 2026-11-03
Headquarters
St. Louis Park, MNSource: Auto Approve Contact us page, corporate headquarters, checked 2026-11-03
  • Name: Auto Approve, LLC, as named in the Privacy Policy and on the BBB profile.
  • Website: autoapprove.com.
  • Hours (company's Contact us page): Monday to Friday 7am to 7pm Central, Saturday and Sunday 8am to 6pm Central.
  • Texas license: an Office of Consumer Credit Commissioner order describes Auto Approve, LLC as a regulated lender licensed under Chapter 342 of the Texas Finance Code (license 161447). On July 23, 2025 the OCCC issued an order imposing a $750 administrative penalty because the 2024 annual report was not filed by the May 1, 2025 deadline; it followed a July 22, 2024 order over the late 2023 report. Both orders concern the filing of annual reports.
  • Governing law: the Terms of Service say they "shall be subject to the laws of the State of Minnesota." The website Terms of Service contain no arbitration clause or class-action waiver. The refinance loan itself is a separate contract with the lender; any arbitration or dispute terms for the loan are in that contract.
  • Founded and accreditation: BBB lists a business start in May 2016 and BBB accreditation since April 2017.
  • Age: the Terms of Service and the Privacy Policy require users to be 18 or older.
EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBBComplaints in the last 3 years and all customer reviews
1,208 reviews · 81 complaints · BBB business grade A+ · average customer rating 4.44 / 5
TrustpilotAll reviews on a claimed Trustpilot page
16,400 reviews · TrustScore 4.7 / 5
EDITORIAL

Complaint record: BBB, Trustpilot and posts on this site

BBB. The BBB profile for Auto Approve, LLC (St. Louis Park, MN) shows an A+ rating and BBB accreditation, 81 complaints in the last 3 years, 20 of them in the last 12 months, and 1,208 customer reviews. BBB sorts the complaints as 35 service or repair issues, 17 product issues, 13 order issues, 12 billing issues, 3 sales and advertising issues and 1 customer service issue. BBB marks 13 of the 81 as resolved, meaning the complainant confirmed the issue was settled to their satisfaction, and 68 as answered, meaning the business responded but the complainant did not accept the response or did not tell BBB it was satisfied. The profile covers the headquarters and corporate-owned locations. Recent complaints posted on BBB include accounts of an interest rate in the loan documents that differed from the rate quoted, a pre-approval followed by a hard credit pull and different terms, a vehicle service contract sold with assurances the customer disputed, a refund that took weeks to arrive, a title transferred without the registration, unreturned calls, and marketing contacts that continued after requests to stop. BBB customer reviews average 4.44 out of 5 across the 1,208 reviews.

Trustpilot. Trustpilot shows Auto Approve as a claimed profile with 16,400 reviews and a 4.7 TrustScore. Trustpilot notes that the company invites its customers to leave reviews, positive or negative, and that it replied to 99 percent of negative reviews.

This site. No published complaint reports are currently linked to this profile.

BBB and Trustpilot figures come from different review pools and are not added to each other or to this site's reports. Complaints are consumers' accounts and are not findings by BBB or a court.

Had an experience with Auto Approve? Tell other people what happened.

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EDITORIAL

Auto Approve refinance: credit check, fees, withdrawing and who to call

How the process runs. Auto Approve's FAQ describes six steps: you give personal, vehicle and employment information; its loan consultants work out which loans you qualify for; it submits the application to the lender you choose; it prepares the new loan and title documents for e-signature; it gets the loan funded and works with the DMV on the title; and you then make payments to the new lender.

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The FAQ lists a driver's license, current proof of insurance, current registration, pay stubs or proof of income and, optionally, the current loan contract as the documents to have ready.

Credit check. The FAQ says: "Getting a quote does not affect your credit score," and that the "soft" inquiry Auto Approve performs does not affect the score. It adds: "When you choose to move forward with refinancing your vehicle, a 'hard' credit inquiry will occur and appear on your credit history."

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The Terms of Service say that by submitting an inquiry you "authorize Auto Approve to pull your credit report for prequalification purposes" and authorize any lender that receives your application to pull your credit report to evaluate it. Ask the consultant, before agreeing to proceed, whether the step you are about to take triggers the hard inquiry.

Fees. The FAQ says Auto Approve "does not charge an application fee" and that "completing your refinance requires no out of pocket fees." It also says the cost of refinancing "includes admin and document fees, title transfer fees, state fees (if applicable), and the cost of any extra services you choose to add, such as GAP and extended warranty or other optional service plans," and that the loan consultant provides an itemized breakdown in the refinance package.

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The site's disclosure explains why nothing is paid up front: all refinancing-related costs are included in the amount financed. Those fees are therefore added to your new loan balance and paid with interest, so compare the amount financed and the APR in the lender's Truth in Lending disclosure with your current loan, not only the monthly payment. Read the breakdown line by line before e-signing, and confirm which optional products, such as GAP or a service plan, are in the package and that each is one you agreed to. Your current lender may also charge a prepayment penalty; Auto Approve's resource article on fees says such penalties "can vary widely and can be quite expensive."

Withdrawing. The Terms of Service state: "You may withdraw your inquiry or application at any time." The Terms give no set method, so put the request in writing to [email protected], repeat it by phone, and keep a copy. Withdrawing ends the application, but under the FAQ a hard inquiry, once made, appears on your credit history. After you sign, your rights depend on the loan contract with the lender and on each separate add-on contract, such as GAP or a vehicle service contract; each contract names who handles cancellation and refunds, so read those terms before signing.

Rate offers. The FAQ says that when you receive a lender-approved offer, Auto Approve locks the rate "for up to 30 days," and that the first payment is typically due 45 days from the contract date, with a 90-day deferred payment option "for qualified applicants."

Calls and texts. By accepting the Terms you "expressly consent to be contacted" by calls, prerecorded messages and automated texts. The Mobile Terms say the texts are transactional and that "Auto Approve does not send marketing or promotional text messages." To stop texts, reply STOP, which is processed immediately, or write to [email protected] or call (844) 314-1410; the Mobile Terms say email or phone opt-outs are honored within 10 business days.

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For Auto Approve marketing email, use the unsubscribe link at the bottom of the message. The Privacy Policy also points to 1-888-5OPTOUT (1-888-567-8688): that is the credit bureaus' line, also at optoutprescreen.com, for opting out of prescreened credit offers from all companies, for five years by phone or online or permanently with a signed form.

If it is not resolved. Contact Auto Approve first and keep the itemized breakdown, the offer and the signed documents. Once the loan is funded, payments go to the lender named in your loan documents, and a cancellation or refund of an add-on goes to the party named in that add-on contract.

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If the dispute stays open, file with the Consumer Financial Protection Bureau (consumerfinance.gov/complaint), the Federal Trade Commission (ReportFraud.ftc.gov), your state attorney general or the Minnesota Attorney General, where Auto Approve is based, and the BBB.

EDITORIAL

Who Auto Approve is and how it works with lenders

The Auto Approve Privacy Policy names the operator as Auto Approve, LLC. The BBB lists Auto Approve, LLC in St. Louis Park, Minnesota, with a business start in 2016. The company's Contact us page names a corporate headquarters in St. Louis Park and an office in Chicago; on the BBB profile the St. Louis Park address carries a private mailbox number (PMB 3327).

What it offers. The site offers auto refinance, auto lease purchase (lease buyout) and motorcycle refinance. The FAQ says it refinances cars, trucks and SUVs, and also motorcycles and RVs; "commercial vehicles and heavy equipment machinery are not eligible," and it is "unable to refinance a vehicle under a company name." Loan terms "typically range from 12 to 96 months."

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Lenders. Auto Approve's own guide to the company says it "is not a direct lender" and gathers offers from its network of lending partners. The FAQ says your consultant will "submit your application to one of our preferred lending partners," and the Terms of Service say Auto Approve "does not guarantee that a lender will make you an offer" and that loans are available only in states where Auto Approve or its lender network is licensed or authorized. The Privacy Policy says that when you apply, your information is disclosed to its lending partners and to the credit reporting agencies it works with, and states that Auto Approve does not sell personal information. Its Texas lending license is described under Company information on this page.

Company statements. The site says customers "save over $100 per month on average," that it has an A+ BBB rating and a 96 percent would-recommend rating on LendingTree, and that it never marks up the price you pay above the rate the bank offers. The savings figure and the no-markup promise are the company's own claims. The site's disclosure says its advertised APR assumes a 2019 or newer vehicle, a FICO score of at least 730 and a term of up to 72 months, and that all loans are subject to credit and lender approval; the rate you are offered depends on your credit and the lender, and the itemized breakdown in your refinance package shows what you actually pay.

EDITORIAL

Frequently Asked Questions

Does Auto Approve do a hard credit check?

Auto Approve's FAQ says getting a quote involves a soft inquiry that does not affect your credit score, and that a hard inquiry appears on your credit history when you choose to move forward with refinancing. Its Terms of Service also authorize Auto Approve and any lender that receives your application to pull your credit report. Ask the consultant which step triggers the hard inquiry before you agree to it.

Does Auto Approve charge fees?

The FAQ says Auto Approve does not charge an application fee and that completing the refinance requires no out-of-pocket fees. It also says the cost of the refinance includes admin and document fees, title transfer fees, state fees where applicable and any extra services you add, such as GAP or an extended warranty, with an itemized breakdown in the refinance package. The site's disclosure says these costs are included in the amount financed, so they are added to the new loan rather than paid at signing; check the amount financed and the APR in the lender's disclosure.

How do I cancel an Auto Approve application?

The Terms of Service say you may withdraw your inquiry or application at any time. Write to [email protected] or call (844) 336-3365 and keep a record of the request. Once you have signed, your rights depend on the loan contract with the lender and on each add-on contract, such as GAP or a service contract; each names who handles cancellation and refunds.

What is the Auto Approve phone number?

The site header lists (844) 336-3365. The Contact us page also lists (833) 950-1509 and (312) 275-7633, open Monday to Friday 7am to 7pm Central and Saturday and Sunday 8am to 6pm Central. The email address is [email protected].

Is Auto Approve the lender on the refinance loan?

Auto Approve's guide to the company says it is not a direct lender. The FAQ describes Auto Approve submitting your application to one of its preferred lending partners, and says that after funding you make your payments to the new lender. Separately, a Texas Office of Consumer Credit Commissioner order describes Auto Approve, LLC as a regulated lender licensed in Texas under Chapter 342 of the Finance Code. The Terms of Service say loans are available only in states where Auto Approve or its lender network is licensed or authorized. Your loan documents name the lender.

How do I stop Auto Approve calls and texts?

Reply STOP (or STOPALL, OPT OUT, UNSUBSCRIBE, CANCEL, END or QUIT) to a text; keyword opt-outs are processed immediately. You can also email [email protected] or call (844) 314-1410, and the policy says email and phone opt-outs are honored within 10 business days. Auto Approve says its texts are transactional and not marketing. For marketing email, use the unsubscribe link in the message. To stop prescreened credit offers from all companies, the credit bureaus' opt-out is 1-888-5OPTOUT (1-888-567-8688) or optoutprescreen.com.

Does Auto Approve require arbitration?

The website Terms of Service contain no arbitration clause or class-action waiver, and they state that the terms are subject to the laws of the State of Minnesota. The refinance loan is a separate contract with the lender, so check that contract for its own arbitration or dispute terms before you sign.

Where can I file a complaint about Auto Approve?

Start with Auto Approve at [email protected] or (844) 336-3365, in writing, and keep copies of the offer and the itemized breakdown. If the loan is already funded, payment issues go to the lender named in your loan documents, and add-on cancellations or refunds to the party named in that add-on contract. You can also submit a complaint to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint, the Federal Trade Commission at ReportFraud.ftc.gov, your state attorney general or the Minnesota Attorney General, where the company is based, and the BBB, where Auto Approve, LLC has an accredited profile.

How long does an Auto Approve rate offer last?

The FAQ says that when you receive a lender-approved offer, Auto Approve locks the rate so it does not change for up to 30 days. It also says the first payment is typically due 45 days from the contract date.