Our mission
Make the gap between a due date and a payday something people can plan for, not something that costs them.
Most people who fall behind on a bill aren't short on income. They're short on timing: rent is due on the 1st, the paycheck lands on the 5th, and a car repair shows up in between. The usual ways to bridge that gap, such as overdrafts, payday loans and late fees, charge the most to the people who can least afford it. We built AutoFloat to bridge it for one flat, predictable price.
How it works
- 1Verify your car
Enter your VIN and active insurance. Your vehicle and coverage help confirm who you are, without a hard credit pull and without touching your title.
- 2Upload a bill
Snap or upload a statement. We read the biller, amount and due date for you, and you confirm the details.
- 3We pay the biller
Once your bill is approved, AutoFloat pays the biller directly, in full, so the money goes exactly where it's needed.
- 4You pay it back in 2
Two equal payments over 14 days, with every date shown before you confirm. After 6 months on time, you pay nothing upfront.
What makes us different
Pay by bank or debit card and your monthly membership is the only thing you pay us. Credit cards add $1.99 per payment. Installments carry no interest, no late fees and no surprises.
We never send cash to an account and hope it reaches the bill. Your landlord, utility or shop gets paid by us.
Your car verifies you. It never secures anything. We will never take your title or repossess your vehicle.
Members who pay on time for 6 months move to $0 upfront, so the better your record, the more AutoFloat does for you.
Who it's for
AutoFloat is built for working drivers who keep up with their bills and want a better option for the weeks when timing doesn't line up: rideshare and delivery drivers, commuters, parents juggling daycare and car payments, and anyone who'd rather not pay interest to stay on schedule.
What we believe
- Fair beats clever. If a term needs fine print to make sense, it doesn't belong in our product.
- Plain language, always. You should be able to explain your plan to a friend in one sentence.
- Missed payments are a moment to help, not a profit center. That's why we charge no late fees.
- Your data is yours. We use it to run your account and keep it safe, and we never sell it.