AUTOPAY

Name: AUTOPAY
Rating: 1.5

1.5

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1,949 User Reviews

7.0

Overall Score

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1.5

star star_half star_border star_border star_border

1,949 User Reviews

7.0

Overall Score

Visit Site

The Good

The Bad

Bottom Line

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Company Details

Time in Business

18 Years

Company Headquarters

8055 E Tufts Ave, Denver CO 80237

Number of Reviews 1,949

info Source of Information

Author: Kaitlyn Short

LAST UPDATED: November 5th, 2025

AUTOPAY provides direct-to-consumer financing and refinancing for individuals looking for the best financing terms and a no-hassle transaction.

Highlight: AUTOPAY rates and terms

Rates — as low as 1.99%
Minimum income requirement — $2,000 per month ($24,000 annually)
Minimum credit score — 600
Loan amounts — $2,500–$100,000
Loan terms — 24–84 months
No Social Security needed for prequalification
Loan offers are good for 30 days

Continue reading for a full review of this auto refinance company, or jump down to Autopay reviews.

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The Good

Multiple Refinancing Options
Get Rates Instantly
Low Minimum Credit Score
Prequalify with no Impact to Your Credit Score

Multiple Refinancing Options

AUTOPAY offers multiple types of refinancing:

Traditional refinancing — lower your interest rate, reduce your monthly payment, shorten the length of your loan, and find a lender that better fits your needs
Cash back refinancing — get as much as $12,000 cash back and use funds to pay high interest debt
Lease payoff refinancing — keep a car you are currently leasing at the end of your term and even pay off the lease early

With these options you can more easily tailor your refinancing experience to your specific needs and circumstances. It is important to note that not all auto refinance lenders offer cash back refinancing or lease buyouts.

Get Rates Instantly

No matter the reason you're refinancing your vehicle, AUTOPAY works hard to make the process short, simple, and entirely online.

To start, you will need to provide some basic information. This includes things like your name and whether you're applying alone or with a co-borrower. You'll also be asked to provide your address, previous address, current employment status, and information about the vehicle and your existing loan.

Once all the e-paperwork is filled out, AUTOPAY will present a list of loan offers from different loan lenders.

Low Minimum Credit Score

With a minimum credit score requirement of approximately 600, AUTOPAY recognizes that not everyone will have a perfect credit score, and is committed to helping everyone refinance their auto loan. AUTOPAY will work with you to get the best rates possible.

Prequalify with no Impact to Your Credit Score

To see your rates, AUTOPAY does a soft credit inquiry or a soft pull (which does not affect your credit score). This is great for those who are merely comparing quotes and shopping around before committing to an auto refinancing loan.

Once you select a loan offer with AUTOPAY, then a hard credit pull is required.

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The Bad

Not a Direct Lender
No Refund Policy

Not a Direct Lender

While it isn't necessarily a bad thing that AUTOPAY isn't a direct lender, processing and underwriting loans in-house, it does have a few drawbacks: rates are subject to change depending on the lender you choose from AUTOPAY's network, and fees may also vary.

However, refinancing through a marketplace lender, such as AUTOPAY, does provide you with greater flexibility in finding the best loan option for your needs. But it is important that you reasearch your chosen lender to know what fees and terms they might have.

No Refund Policy

AUTOPAY has a no refund policy. Don't expect any refunds to be provided for payments made to your AUTOPAY account.

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The Bottom Line

AUTOPAY is a good option for anyone who has recently improved their credit score and would like to start their search on a refinancing company.

AUTOPAY is not a lender, but is a lender marketplace (meaning you fill out a form and will receive offers from multiple lenders in AUTOPAY's credit union network). Most auto refinancing companies operate under the same model, providing a borrower with the ability to view and compare various refinancing loans and rates. A benefit or working with AUTOPAY is that a list of lenders will be populated after you enter your information online. Many other companies require a phonecall with a company representative before a borrower can access a list of lenders.

After submitting your application, AUTOPAY will do a soft credit pull, which does not affect your credit score. If you choose to work with a lender, then a hard credit pull is required.

There are currently no AUTOPAY customer reviews, and so we are not in a position to recommend this company at this time. If you have refinanced an auto loan through AUTOPAY, please leave a review about your experience to help future consumers.

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User Reviews

Star Rating

1.5

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1,959 Reviews

Review Breakdown

5 grade

71%

4 grade

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2 grade

1 grade

12%

Sentiment Criteria

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Quality

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H.S.R INC.

Worst svc. Gimics, Reference # APxxxxxx8567. Their sales person Ms.Aley, not asking question but sound like INTEROGATING that I might did something to my car. Simple questions got very deep sensitive. Hard to understand her. Incorrect answers for my simple question. Made a BIG mistake that I tried them for my Refinance. Will never ever recommend them to any of my friends or family. I guess I got saved before they Hit me hard.. as they already hit my credit score hard. God Saved Me though!

4 weeks ago

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J. Jones

Don't fall for it. This company just contacts lending companies for you. You're better off doing it yourself. They insist on trying to call you every two minutes while you're at work and can't answer your phone for personal calls. I've read other reviews on Google and AI searches on thier ratings where they use bait and switch tactics with phoney "progress" displays trying to reel you in further, when in the end what they "found" for you is worse than what you already have. The last thing that makes them one of the worst companies out there- they sell your info like you email address. After you sign up, you'll start getting hundreds of spam emails daily. I used to get 20 or so spam emails per day. After creating an account with Autopay, within 24 hours I started getting 20-30 spam emails every 2 hours. One day, during a 24 hour period I received over 200 spam emails. Avoid Autopay.

1 month ago

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amanda clark

If I could leave 0 stars I would. I applied for refinancing as the “pre qualified estimate” for what I’d pay was great! Go ahead and apply and somehow the offer they decided to give me was double the length period and double the interest rate. After going back and forth with someone from auto pay, I was able to get another offer for 60 months. Went ahead and told him I’d like to pursue this refinance with the 60 months. Immediately then tells me that HE inputted the interest rate wrong on the link he sent me. Resulting in little to no difference in interest I’m paying now with my current bank, with the monthly payment going up. In the end I decided this clearly wasn’t the right place to go through for my auto refinancing

1 month ago

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Jaime Edling

Literally the worst experience I’ve ever had with a car loan. Was told that I was approved but then was constantly bombarded with “we need more information, we lost your paperwork, we need a new paystub” even though they had already changed the lien holder on my insurance. They are scandalous and disorganized. After 3 weeks of spending all my days off trying to gather information I told them to forget it and cancel my application. Steer clear!

1 month ago

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zack leader

Biggest piece of shit company I have probably dealt with in a long time. Sending me multiple notifications to refinance a car they then turned around and told me I can’t refinance. It’d be one thing if I approached them, but no, that was not the case. Emailing me, texting me, telling me they are going to call, then they don’t. When I was told you call them, I get sent to voicemail. Literally a waste of time. Avoid this company at all costs, I will be contacting the better business bureau about them.

1 month ago

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Dirk Dorresteyn

The worst. First, they kept asking me for more and more documents. Three weeks had passed, they all of a sudden realized that my truck loan was done in Texas. I had to go to the DMV and get the mileage verified. A week after that, they needed an updated paystub, because the one I submitted a month ago was too old. I said enough. I went with another refinance company and they had everything done in three weeks. No trip to DMV, no submitting documents for a second time.

1 month ago

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zakamsler

I didnt follow through because I was promised a rate in which did not become reality. Even after being told that is what it was going to be and at that term. And I constantly had to reach back out to see what the status was, I had no such experience with rate genius I will say. I will also say, I will not be a returning customer. The person handling my case was nice, but never have I been told a rate that was not true and filled out ALL those papers to be told it was going to be MORE than my current rate. Very upset. As most working individuals would be that are scraping to get by. Unless someone higher has something to say about this review, I will NEVER be back and NEVER recommend this to anyone. Rate genius has never promised me anything they did not fulfill. What a waste of time.

3 months ago

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Angel Berrios

If don't even do it, don't waste your time, they will run your credit for nothing, just to tell you there's are going to be the same interest and payments, just to let anyone know I have a credit score of 790 and nothing at all bad on my credit and they still couldn't come up with anything. So if you don't want you credit score to go down, do t do it . I don't wright reviews unless it real going to be bad for someone else. And I always try for other people not to get fooled.

3 months ago

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Melissa Schwitzke

I was going to do business with the company until the agent, Christy, was trying to rush me to sign the document. I asked Christy to please give me until Monday to read over the paperwork, and she stated no, we need it signed by tomorrow, which was Friday. It received the documents on Thursday (today). She stated that if you don't sign, we will cancel your application, and you can't apply again for 6 months. She also told me to sign it now and read over it afterwards. If I decided not to use the company, they would cancel it. We all know that isn't true, right? That became a big red flag for me. Only I said no, I would like to read over it first, she said I will cancel your application and hang up the phone. Afterwards, I received a text message that it was cancelled. I was so shocked by everything that happened. I was going to do business with this company, but thanks to Christy, she helped me avoid making a mistake. She was very rude, and I was very happy, so was rude. Below is the text I received from her and the cancellation. Beware of the company. Here's the text I received for her. Keep in mind, I don't know if the information was going to her spam folder. "Hello I do see your messages please try not to spam my email. I do work with 40 other people when I am available I will always reach out. " Other text: Application AP25........... closed due to stipulations not fulfilled. Just because I wanted to read over my contract. She closed out the application. I only asked for a couple of days to get everything together. Beware of bad customer service and being scammed. Thank you, Christy, for showing me the true colours of this company by the way you acted on the phone.

4 months ago

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Verified Customer

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Tanille Williams Saint Petersburg, FL

This started out ok and I followed all the instructions. When it was time to sign the contract I did not see where it asked for Down payment. I asked Monica what about the down payment she specifically said don't worry about the down payment because the lender is funding the loan in full. I was like ok Great this is awesome. A month later, the previous lender called to say I still owed. I reached out to auto via email to Monica. She called me furious saying I need to pay the $2400 now, so I was hold on wait a minute this was a month ago you told me I didn't need to and I've already spent that money. I mentioned that I would make an arrangement with my previous lender to clear the balance and she basically said no if you can't pay now the deal is off I'm going to cancel the transaction. Keep in mind they've already funded the loan and my due date was in a few days. I emailed her and she basically replied making it seem as if I was the problem when they did not have proper checks and balance. This by far is the worst experience I have had and I'm putting the world out there for everyone to stay away from autopay.

4 years ago

Reply from AUTOPAY

Hi Tanille, I'm so sorry to hear about this experience. We always strive to be as clear as possible during contracting, which is when a down payment is agreed upon. Since the down payment came as a surprise, then we would love to talk to you soon so that we can research this further so we can make sure it doesn't happen again. Please reach out to us at 844-290-5731 when you're able.

Oct. 22nd, 2021

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Verified Customer

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Steven vergara Longmont, CO

It took nearly a month to complete the process due to Autopay sticking their foot in the middle of everything. What I thought would be a mutually beneficial relationship turned into a very one sided transaction. I had nearly no control over the process or access to the lender directly which is primarily the reason this took so long. Ashly was very helpful but I found that her timelines weren't accurate whatsoever and on TOP of that when I finally received my check it was misspelled. I'm aware this doesn't affect the ability to deposit the check but It seems Autopay is shouting ‚ they're unprofessional

4 years ago

Reply from AUTOPAY

Hi Steven, thanks for your review, and the critique. Feedback like this helps us to improve, so we're very grateful. We'll be working with your loan specialist and our general process so we can be as accurate as possible with our timelines.

While most deals are wrapped up in just a week or so, some loans can take longer. When things take longer, it is generally because we are trying to make sure your paperwork is 100% in order so that no confusion happens once you leave our hands. I'm sorry we weren't able to complete the deal sooner in your case.

Please feel free to give us a call at 844-290-5731 so that we can receive more of your feedback.

Oct. 22nd, 2021

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Verified Customer

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Marvin J Jernigan Macks Inn, ID

There were many problems with paperwork not being correct (addresses not matching, etc) much of this was blamed on Penn Fed (new lender). The agent "Xin" claimed that he was in contact with my existing lender, they claimed to have no contact from him, someone is not telling the truth. The new lender Penn Fed has funded my loan (sent the check to Autopay), the existing lender has not received anything from Autopay after a ten day delay. So currently I am being charged interest on money sent from Penn Fed to pay off my car loan. My current payment is late to my existing lender. This late payment will negatively affect my credit score. No one seems to know where the money is. I am very frustrated that the process is not transparent. I am frustrated that the Autopay employee assigned to my "deal" seems to be less than forthright about what is going on in the process (either he does not know, he knows and doesn't want to say, or doesn't know how to find out). The interest rate reduction on the refinance is great. The process is terrible. If I had known what I was getting into I would have searched out a service that was better organized.

4 years ago

Reply from AUTOPAY

Hi Marvin, I'm so sorry to hear about this experience. I would love the opportunity to look into this and provide you with a clear answer as to where everything went, and what has happened. Please give me a call at 844-290-5731 so we can get this sorted out and provide you with a solution.

Oct. 22nd, 2021

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Juan Rojas

Worse experience ever . Bad customer service , they never return calls and because I did escalated looking for answers, they called me back and offered me lower my payment $90 dollars extending my loan for 4 more years and increasing my interest . Because I said that is not what Im looking for , they hung up on me . Stay Away from this 3rd party company , Ill extend my reviews to Experian who is the one who recommend this company . The representative in question is called Christian C . Stay away folks

5 months ago

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Andrian Galben

I applied twice with AutoPay to refinance my vehicle because they advertised better interest rates that looked like a great opportunity to save money. The first time I applied, I saw a rate lower than what I currently had. After submitting the application and speaking to someone, they told me they could only match my current rate—not lower it. But they had already run my credit, which caused my score to drop. A few months later, I tried again to refinance my Ford F-150. I currently have an interest rate of 7.77% for 84 months, and I saw they were offering 4.94% for the same term. It looked like a great deal, so I applied again. But once more, after running my credit, they told me they could only offer the same interest rate I already have. My credit score dropped again for nothing. This company gives misleading offers just to get you to apply, and they’ll run your credit without giving you the rate they advertise. I do not recommend AutoPay to anyone. Please learn from my mistake and avoid wasting your time and hurting your credit.

7 months ago

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Jodie Jacobs

I had used auto pay for my loan refinancing a while back and it went seamlessly, but that’s not why I’m on here to review. My daughter needed to refinance her loan to get me off as the cosigner and because I had such a good experience the last time I sent her the link to apply She lives 2 1/2 hours away from me so coming down here to do this is not easy. They did not give us enough time. We had to redo it multiple times because they gave her false information and the paperwork was not right. It was the most excruciating experience I’ve ever had. I do not recommend for the future, especially if you have a cosigner.

8 months ago

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JaQuandice

Holly at Auto Pay on behalf of Affinity Credit Union was extremely condescending and insensitive to me today over the phone. Auto Pay has inconvenienced me for months due to the DMV requesting a new POA and the company offered me $50 for the inconvenience in 2023. I responded and never received the documents. However, this wasn’t something as a customer that I believe I should’ve been responsible for, hence why I was offered compensation. I’ve been going back and forth to the DMV for months as they could not find my car registered in Georgia but only in Montana. I’ve never lived anywhere other than Georgia. Since January 1st. I haven’t been able to legally drive the car that I make payments on faithfully every month due to a mishap on Auto Pay’s or Affinity Credit Union’s end. Today after visiting the DMV I was told that I owe $610.25 to transfer the title. I called Holly as she told me she would call me back or have her manager call me to discuss how I can be compensated for this lengthy inconvenience. She laughed at me on a recorded line and said that I’m insane to think that they would pay my car off. She called me insane multiple times and said, “no we won’t compensate you, it’s your fault and I’ll disconnect the line if you keep yelling.” I explained that I wasn’t yelling at her and it was unfair to call me insane for requesting any type of compensation for this. I’ve been asking for months and I get ignored. Holly should not represent Auto Pay or Affinity Credit Union. I’ve been in management for 15 years and I would never talk down to a customer the way Holly did to me today. She laughed at me and didn’t empathize with me at all. She didn’t seem to care about me being inconvenienced and made it clear that she wouldn’t help me before hanging up in my face. I would hate for this to happen to someone else. It’s such a sensitive situation and customer service reps should be in place to help and serve not be rude and condescending. Please help me with this. She has since ignored me again after her manager told me to reach out to her regarding this matter. I reached out to her at 7:56am this morning and it took for me to reach out to her manager via text for her to respond 6 hours later. This experience has been horrific and I would love to please hear from someone.

8 months ago

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Verified Customer

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Nicholas DeVita Hellertown, PA

My experience was terrible. I was called/contacted nonstop until I agrred to sign the loan. It then took 6 weeks and 5 failed checks to pay off my original loan. I as the customer had to track down where to send it and spend my time resolving Autopays error. I dont think Autopay should make a dollar on this transaction. I was lied to repeatedly and now no one will contact me back. Terrible sevice.

3 years ago

Reply from AUTOPAY

Thank you for sharing your feedback. We apologize, as this is not the experience we strive for here at AUTOPAY. We have escalated this to management for you.

Jun. 23rd, 2022

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Verified Customer

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Mary Hajer Arlington, TX

You should not have your auto text services send messages on weekends when no one is available to assist them. I received a text on a Saturday that documents were needed and no one was even working and it took longer than a week to even be contacted back after I applied and uploaded all my documents. f it wouldn't have been too late in the process I absolutely would have withdrawn my application.

4 years ago

Reply from AUTOPAY

Hi Mary, I'm so sorry you weren't able to contact us! We are open on Saturdays from 9–5 MST, so I'd love to research why you weren't able to contact us. Would you mind giving our customer success team a call at 844-290-5731? Hope to hear from you soon.

Oct. 22nd, 2021

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Verified Customer

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Lauren Dombrowski Pittsburgh, PA

The process was quick, however my agent seemed too busy to really explain to me the conditions of my refinance. i did not need additional insurance, yet it was added anyways and increased my loan by $3000. i guess i should've read the fine print a little bit more, but this was not discussed with me and I did not need an extended warranty. now instead of saving money I will be spending more!

4 years ago

Reply from AUTOPAY

Hello Lauren, I'm so sorry if there was a miscommunication during the signing. We always disclose the GAP and Vehicle Service Contract before and during the signing, so if these coverages came as a surprise, please give us a call at 844-290-5731. We would like to research this further. Also, both coverages are refundable, so we are happy to assist with that if you do not want them.

Oct. 22nd, 2021

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Verified Customer

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Kaitlyn Surprise, AZ

It was awful. I was lied to about the amount that i would be paying and i ended up having to pay for some of the process for the forms. I also had to send the same forms multiple times because they couldn't zoom in to see numbers. They also kept saying the process was waiting to get approved but then would say they needed more from me days later. didn't hear anything from them and then i got a letter in the mail saying it was approved but it was higher than i was expecting. I got calls constantly at work and everytime i would try and call back no answer.

4 years ago

Reply from AUTOPAY

Hello Kaitlyn, thank you for your feedback and review. We are disappointed to hear you did not have the great experience we strive for here at AUTOPAY. If you would like to speak about this further and see if there is anything we can assist you with please call our escalations team directly at 844-290-5731.

Jun. 16th, 2021

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Verified Customer

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J Hassler Parkville, MD

The "loan specialist" did not call and get the correct payoff leaving me to figure out how to pay off what was missed and after their attempts to fix the problem I lost the rate and terms which led me to move forward with them in the first place. It took several days of calling and then finally I had to go to another source to help me get things straightened out. The customer care rep was wonderful (Summer) after that I had to continue to reach out to management.

4 years ago

Reply from AUTOPAY

Hello Mr. Hassler, thank you for your review as well as the positive and negative feedback in regards to our agents. AUTOPAY prides itself on providing excellent customer service, but we fell short of our standard in this case. We apologize that we were not able to resolve the issue in a more timely manner. Your feedback about the process will be used to help improve the customer experience for everyone. If there are additional questions or information we can provide, we can be reached at 844-290-5731.

Jun. 16th, 2021

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Verified Customer

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Daniel Sussex, WI

I was going to hold off on refinancing due to having to come up with money to do it, on top of a very large bill that was about due. I was assured several times that I wouldn't have a payment for 60 days if I refinance. The loan gets approved, and payment goes through to previous lender. Then I get a notice saying my fist payment is due in less than a week. I've been extremely stressed trying to get this dealt with, but now my very first payment will most likely be late. I do have a 100% on time payment history, and now that will probably change. Thanks Autopay!! Horrible experience.

4 years ago

Reply from AUTOPAY

Hello Daniel, thank you for your feedback and review. We are disappointed to hear you did not have the great experience we strive for here at AUTOPAY. If you require further assistance or would like to work with our Escalations Team, please call us at 844-290-5731.

Jun. 16th, 2021

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Verified Customer

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Marcelo Marino Riverhead, NY

They took about a month to get my refinance together. When everything was finally done, they didn't get the payoff to my old finance company in time. I told them my issue, they weren't listening and just continued to tell me when they sent the payoff out. I had to pay an additional $500 to pay off the rest of the loan and I didn't get reimbursed or anything for it. They stopped answering me when I told them my issue.

4 years ago

Reply from AUTOPAY

Hello Marcelo, We would like to assist you with your concerns, please reach directly out to our escalations team. 8442905731

Jun. 8th, 2021

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O J

I applied for refinance everything going good. Then no contact at all talked to loan specialist told me he would contact me next day and it has been a week and no contact. Very unprofessional

3 months ago

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William Meuret

A joke of a process they have. Say your approved based on what credit karma says then tell you that your approved after submitting a ton of documents with almost double the interest rate. Not very upfront or fair. Would not recommend

5 months ago

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Alejandro Nadales

I got an offer from Autopay to refinance my car in Creditkarma and I moved forward, but they are intermediary and the lender is another company, Autopay charged me $650 just for submitting the refinancing application to the new lender...they are stealing money from the customers!!!

5 months ago

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Brian Camp

Horrible. They show you great pre approvals then run hard inquiries on your credit and then cancel the application and tell you they want $19,000 as a down payment and to fill out another application if you would like to proceed. This was just to do a refinance on a vehicle. I was told to beware of the bait and switch with this place but I didn’t listen and learned the hard way. Deserves 0 stars. Bad way to do business.

5 months ago

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Ann Marie Realmonte

So disheartened that a hard pull on credit report is used before u even get an estimate! Other companies such as Capitol One, do a soft pull, give u an estimate, when u agree they tell you they will do a hard pull. It is automatically in the agreement that u check yes, my fault for not reading it correctly however, buyer be aware, your credit score will drop automatically from this hard pull!

5 months ago

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Jerome Gentry

This place sucks. Don’t even deal with them. There are all the better options out there. If you’re research it I was directed to Karen W so if you hear that name do not believe what she has to say because she will lie to you and make you think everything is positive and then they’ll run your credit. I don’t pay sex. They really do and they make offers and then they don’t keep them.

6 months ago

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Ophelia owens

Running ads at credit karma showing 4% depend on credit which is applicable to since I have a excellent credit. I went through the process.. never heard from them so I call it tooks us 2weeks to finalize and found out that the rate is 7%. My current rate is at 7%. It is a waste of time with this refinancing company and knock down point on my credit report Advertising something that they are not meeting expectation from their customers.

7 months ago

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Andrew Newton

BEWARE! Bait and switch scam artists. Saw an advertised offer for 5% for 36 months refinance deal on credit Karma so decided to apply. After submitting all my personal information to this company they offered me 7% for 78 months! Such a dishonest scam to at the very least steal my info, the worst prey upon suckers. This type of company is what's wrong with the world. For shame you guys. For shame.

7 months ago

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Verified Customer

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Jaquitta Grigsby

I chose five, as they are awesome to work with. From the first day until the closing, I was so pleased with everything! I worked with Harrison and he was awesome to work with. I would recommend Autopay to anyone!

3 years ago Edited January 10, 2024

Reply from AUTOPAY

Thanks for the great review, Jaquitta!

Mar. 17th, 2022

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Verified Customer

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Kristen Atkinson Savage, MN

It's taken forever to get answers and now I have 2 loans for the same vehicle because they haven't paid it off. They have my title and the payment with them is overdue and I have no idea where to even make a payment . It's horrible

3 years ago

Reply from AUTOPAY

Hi Kristen, I'm so sorry to hear about this! It can sometimes take a couple of weeks for your old lender to receive and process our check. Please give us a call so we can check up on your payoff and provide you the contact information to make your first payment. Our customer success team can be reached at 844-290-5731. We hope to hear from you soon!

Mar. 17th, 2022

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Verified Customer

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Tyler Arnold Mesa, AZ

Well, I have been getting told by the company my refinance went through that they never received the title after payoff and now they are telling me I'm in breach of contract and can't get ahold of anyone at Autopay to speak to about this.

3 years ago

Reply from AUTOPAY

Hi Tyler, I'm so sorry to hear about the issue with your title! Getting a title transferred can be a lengthy process, but we're happy to provide updates all along the way. Please reach out to our customer success team so we can shed some light on the saturation.

This said, I'm sorry you've had trouble contacting us. I think we've found you in our system, so I've sent you an email with some direct contact information so we can provide you an update. Also, please feel free to call us at our customer success team at 844-290-5731 Monday–Friday 7:00 AM–7:00PM MST, as well as Saturday 9:00 AM–5:00 PM.

Dec. 18th, 2021

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Gifford Campbell Warren, ME

was not a smooth transition. Vicky was rude on multiple occasions. I was sent a fedex return postage to send docs for the transfer and the fedex lable was no accepted so I had to pay out of my pocket $60 for overnight shipping through ups and was told I can't be reimbursed. will not recommend this company to anyone

3 years ago

Reply from AUTOPAY

Hi Gifford, I'm so sorry to hear about the troubles at FedEx, and with your loan specialist. We would love to hear more about what happened and what went wrong. We'll be reaching out directly, but do you mind giving our customer success team a call so we can discuss? Our number is 844-290-5731.

Dec. 18th, 2021

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Ryaan J Mansouri West Lafayette, IN

I could never get a straight answer. if I called with a question the response was rushed and did not address my question. I repeatedly submitted documents that should have been accepted the first time. the call in system never worked.

4 years ago

Reply from AUTOPAY

Hi Ryaan, thank you so much for your review. This is what helps us grow as a company! I'm sorry you felt our answers were rushed, but I'd be happy to research and answer any questions you may have. Do you mind giving our customer success team a call at 844-290-5731 so we can clear up any confusion?

Oct. 23rd, 2021

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Kevin Kershner Spofford, NH

Process took way too long went through 2 representatives to get the job done, and was told I'd have 60 no payments upon loan aproval and my first payment was due in 14 days instead. Strongly feel I was lied to, and very disappointed in the misleading!!!

4 years ago

Reply from AUTOPAY

Hi Kevin, I'm so sorry to hear you weren't expecting payment so soon. Normally, the first payment days are 45 to 60 days from their initial offer. We normally inform you of the payment date before and during the signing process, so if you weren't told, we want to know! Do you mind giving us a call at 844-290-5731 so that we can research this further?

Oct. 23rd, 2021

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Lori Yukon, OK

I was mislead into thinking the payment would be significantly lower than what I had and Jacob did not tell me the loan was for longer than what I had. I owed $23,000 on the car NOW I OWE $26,000!!!! I wish I would of never done this!!!!

4 years ago

Reply from AUTOPAY

Hi Lori, thank you for your review, and I'm very sorry that the length of your loan came as a surprise. The term length would have been included in the documents you signed. Additionally, our loan specialists are required to disclose this information to you. Since it wasn't expected, do you mind giving our customer success team a call? We would like to research as soon as possible. Our number is 844-290-5731 and we hope to hear from you soon.

Oct. 22nd, 2021

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Audrey Quarryville, PA

It was one of the worst experiences in my life. They tell you to call them and then all you ever get is a voicemail. They NEVER returned any of my calls. I finally got in touch with them after my approval by email but it took a good week!

4 years ago

Reply from AUTOPAY

Hi Audrey, I'm so sorry you had such trouble contacting us! I'd love to research this to find out what happened. Would you mind giving us a call at 844-290-5731? We're available from 7 AM–7 PM MST on weekdays, and 9 AM–5 PM on Saturdays. We hope to hear from you soon.

Oct. 22nd, 2021

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Christopher Toney Las Vegas, NV

A month later and I still have no contract in hand. I was told my loan came with warranty and with gap insurance but the loan company says they see nothing on their side. I am no payin $150 more than I was previously (loan and warranty) and 6k more than I owed. This was by far the worst experience I could imagine. Thanks for screwing me royally.

4 years ago

Reply from AUTOPAY

Hello Christopher, Thank you so much for this feedback, and I'm so sorry to hear about this experience. I'd love to research this further and see how we can resolve this for you. Do you mind calling us at 844-290-5731?

Oct. 23rd, 2021

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Valerie Dille Colorado Springs, CO

Terrible Terrible communication with my representative. Wasn't very knowledgeable about any of my questions. Terrible response time. It took literally 2 months to refinance my car. Unbelievable! It took me less time to close on my house

4 years ago

Reply from AUTOPAY

Hello Valerie, Thank you for your feedback. We apologize for any delays or miscommunication you may have experienced during the refinancing of your vehicle. We always strive to give our customers a good, efficient experience at AUTOPAY. If you wish we would be more than happy to address any concerns you may have had about your refinancing. Please call us at 844-290-5731 when you are ready and we will be happy to help.

Aug. 6th, 2021

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Robert Corum Blue Springs, MO

POOR COMMUNICATION NEVER ANSWER CALLS. Hard to get in touch with anyone. No walking me through the paperwork to know or explain the numbers. I would never use your service in the future but will also not tell anyone not to.

4 years ago

Reply from AUTOPAY

Hello Robert, Thank you for reaching out to us and we would love to address your concerns about your experience with us if you would like to call us at 844-290-5731 when you are ready. We at AUTOPAY always strive to make sure our customers are assisted through their loan process and would like to rectify any issues that may have occurred.

Aug. 6th, 2021

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Paige Leysath New Orleans, LA

They took 8 weeks to pay off my initial loan on a refinance, and then the payment was sent to the wrong place. My car payment for my initial loan was 28 days past due because of the delay. Because of this, Autopay would have to reissue a new payoff check, so I had to stay with my original finance company and make a double car note.

4 years ago

Reply from AUTOPAY

Hi Paige, I'm so sorry that there was so much confusion with your loan. We consider this to be a serious issue and have been working diligently to make sure this is resolved. We would be happy to provide you with an update and hear more of your feedback. Please give us a call at 844-290-5731 when you're able so we can go over this.

Oct. 22nd, 2021

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Perri McCary Houston, TX

Issues with sending payoff check. Caused my credit to drop 80 points. I was in the process of buying a home. Cause me more money to refinance using a 3rd party payoff company. Communication was off. Pay off check still not received and it's been almost 3 months.

4 years ago

Reply from AUTOPAY

Hello Perri, we would like to apologize for the experience you had and thank you for sharing it with us. If you could please call our escalations department at 844-290-5731 at your convenience we can assist you with this and help get this matter resolved.

Aug. 6th, 2021

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Brandon Bryant

. I had a very disappointing experience with this service. The customer service and sales representatives were overly pushy, avoided answering my questions, and refused to let me speak with a supervisor. Despite following their instructions, I went to three different notaries—FedEx, Proof.com, and a library—only to have each notary signature denied. This process wasted both my time and money over three weeks, with no sympathy or real assistance from their team. I expected better support and accountability, but instead, I was met with frustration at every step. The application had to be printed and mailed back each time for review which was costly and timely. My customer service worker had terrible response times and was very evasive. I would avoid the headache and go somewhere in person. I now have to fight this place to get my car title back because I’m canceling my application.

9 months ago

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Corey Megon

There are so many good auto loan refinance companies out there, PLEASE choose someone else. AUTOPAY is TERRIBLE! One department doesn't know what the other is doing. Communication was very bad, mostly non-existent. They will put a lot of hits on your credit report to find someone to approve your application. You could do that yourself. They are suppose to know what companies are the best based on your credit profile. We were approved quick but the process after that was terrible. After 2 weeks of calling and leaving messages, we were finally able to get a hold of a so called manager which was no help, just made excuses for everyone else. DON'T WASTE YOUR TIME WITH AUTOPAY.

10 months ago

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Максим Лысак

Luis M was assigned as my specialist, and we had a good start to our conversation. During our discussion, Luis presented me with the terms of a new agreement for 84 months. I told him I didn’t want a loan for such a long term and preferred to reduce it to 60 months with a lower payment if possible. If not, I was willing to pay the same amount or even a bit more but with a shorter term and lower APR. He said this was possible, and we reached an agreement. However, when I received the documents, I saw that the term was 84 months instead of 60. When I asked why it was 84 months and not 60, he told me I could pay more and close it earlier. I responded by asking why I should refinance at all if I could simply pay more on my current loan and close it earlier. To this, Luis couldn’t provide a clear answer. This was an extremely negative experience with this employee, who attempted to mislead me!

11 months ago

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Mark Evans

**APPLICANTS BEWARE** - Deceptive Application Process I recently found AUTOPAY via Bankrate and it was by far the most deceptive application process I have encountered while searching for an auto loan refinance product. The website requires you to enter all of your personal identifying information to populate accurate loan offers – SSN, VIN, DoB, etc. I was thrilled when I saw an option for refinancing that lowered my monthly payment almost $200. All my information was in so I submitted my application. BOOM. 10 minutes I received an email and text from the loan representative congratulating me on my approval. The loan representative and I then hopped on the phone and said "Congrats on your approval. We were only able to get you XXX terms, though, and that only lowers your payment by $30 do you want to proceed?". Excuse me? You just told me I was approved. My expectation was that I was approved for the loan offer presented to me and that I selected. NOT THE CASE. The entire process was deceptive and to top it off, the frat boy vibe from the representative was giving "I couldn't care less". So here we are. An approval on a loan that didn't exist and a hard inquiry on my credit. I would leave zero stars if I could. A complete farce.

11 months ago

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Jerrid Oliver

This company gave me what looked like a great Refi option for an auto loan, told me I was pre-qualified and all o and to do was accept the offer. I did. After a hard inquiry on my credit they sent me offers that looked nothing like the original offer and where actually more expensive than my current loan. When I questioned it they told me the original offer isn't actually and offer it is an example of the best case scenario offer and that Autopay doesn't actually make the offers they are just a broker. So they make up something that looks attractive to get you to say yes, they run a hard inquiry in your credit and then give offers that look nothing like what they sent originally. This place is a scam 100%. I wasted days with a rep texting me all weekend to send me an offer of a higher payment and the same term but with supposedly 3% lower APR and their $549 refinance fee. How can you have higher rate, same term, and lower interest? The salesman seemed upset when I told him I wasn't going to refinance for a higher rate and higher overall cost and a $549 refinance cost. Bait and switch scam if the worst kind.

11 months ago

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Micah Wright

Would give zero stars if possible. Be ready to waste your time. Will reel you in with false rates but the reality is it’s not what you we're expecting.

3 months ago