Name: AUTOPAY
Rating: 1.2

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Verified Customer

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Amy Bierwagen Mesa, AZ

The terms of the contract they set up want fourth right. No one told me that it was required for me to have a $500 deductible on my car insurance and it wasn't out linked in my contract either.

4 years ago

Reply from AUTOPAY

Hello Amy, it is understandable that you are frustrated on the terms and conditions from your lender. If you would like to discuss this with our escalations team, please feel free to call us at 8442905731

Jun. 23rd, 2021

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Verified Customer

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Steven Mitchell Scottsville, KY

They were kind explained every next step we took and helped us to complete each one

4 years ago

Reply from AUTOPAY

Outstanding, Thank you for your business Steven! Cheers, AUTOPAY!

Jun. 23rd, 2021

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Verified Customer

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Chris Jensen Fontana, CA

Very helpful employees. Got me into a better loan with a really low rate and fast. Great service.

4 years ago

Reply from AUTOPAY

Thanks Chris for your feedback, Cheers AUTOPAY

Jun. 23rd, 2021

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Verified Customer

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David Chappell Glendale, AZ

Because it was smooth transition and rep was very helpful, made it easy to do business

4 years ago

Reply from AUTOPAY

David, Thank you for choosing AUTOPAY!

Jun. 15th, 2021

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Verified Customer

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Catherine Blount Norwalk, CT

Pleasant, efficient and thorough communication made the process very seamless. (

4 years ago

Reply from AUTOPAY

Catherine, thank you for choosing AUTOPAY!

Jun. 15th, 2021

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Verified Customer

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Amy SCHULZ Cuyahoga Falls, OH

Communication was exceptional. Excellent at keeping me informed and explaining what was needed.

4 years ago

Reply from AUTOPAY

Amy, Thank you for your feedback! We appreciate your business.

Jun. 15th, 2021

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Verified Customer

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Blair Willey Herriman, UT

Simple easy application. Agent contacted me within twenty minutes approved within twenty four hours

4 years ago

Reply from AUTOPAY

Blair, Thank you for choosing AUTOPAY for your refinance needs!

Jun. 15th, 2021

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Verified Customer

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Raul acosta San Antonio, TX

Made it simple for me and quick. They very understanding on what we were looking for.

4 years ago

Reply from AUTOPAY

Raul, , Thank you for choosing AUTOPAY for your refinance needs!

Jun. 15th, 2021

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Verified Customer

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Valentina Las Vegas, NV

They promised and they delivered and they were prompt with the service and response

4 years ago

Reply from AUTOPAY

Valentina, Thank you for your review and for choosing AUTOPAY!

Jun. 15th, 2021

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Verified Customer

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Lillie Kansas City, MO

I love Autopay! The customer service wasn't the best at times but my transition to a new lender was still smooth.

4 years ago

Reply from AUTOPAY

Lillie, Thank you for choosing AUTOPAY for your refinance needs!

Jun. 15th, 2021

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Verified Customer

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William M Coleman Brick, NJ

Speedy process. Benefited greatly by reducing both interest and monthly payments

4 years ago

Reply from AUTOPAY

Thank you for your review! Cheers, AUTOPAY!

Jun. 15th, 2021

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Verified Customer

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Robert Medlin Durham, NC

4 years ago

Reply from AUTOPAY

Robert, Thank you for choosing AUTOPAY for your refinance needs!

Jun. 15th, 2021

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Verified Customer

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JOAN A GERVASI Newhall, CA

They are knowledge and courtesy of your associates are positively outstanding customer service

4 years ago

Reply from AUTOPAY

Joan, Thank you for your review and for choosing AUTOPAY!

Jun. 15th, 2021

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Verified Customer

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Wendy S. Mortenson Santa Clarita, CA

Everything was effortless, no confusion...I even got a payment booklet yesterday!

4 years ago

Reply from AUTOPAY

Wendy, thank you for taking the time to leave a review! Cheers!

Jun. 15th, 2021

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Verified Customer

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Donna Pensacola, FL

They are very efficient and have been very helpful in giving ideas on what to do

4 years ago

Reply from AUTOPAY

Great to hear! Thank you for choosing AUTOPAY!

Jun. 8th, 2021

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Verified Customer

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David Bell Luzerne, PA

They were very helpful and friendly . I would refer them to my friends and family.

4 years ago

Reply from AUTOPAY

Thank you David for choosing AUTOPAY!

Jun. 8th, 2021

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Verified Customer

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Keishla Williams Waldorf, MD

The process was quick, professional, and staff went above and beyond expectations.

4 years ago

Reply from AUTOPAY

Keishla, thank you for leaving a review! We are thrilled to hear about your experience!

Jun. 8th, 2021

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Verified Customer

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Kevin Henderson Baltimore, MD

Professional service, timely response to my questions and any issues that arose in terms of my refinance

4 years ago

Reply from AUTOPAY

Kevin, Thank you for your feedback! Cheers, AUTOPAY

Jun. 8th, 2021

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Verified Customer

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Carole Thomas Byron, GA

Very kind , Courteous, and c always kept me in the loop with the status of my Refi.

4 years ago

Reply from AUTOPAY

Thank you for your review Carole!

Jun. 8th, 2021

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Verified Customer

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Melissa Amos Burleson, TX

Great services. I recommend this company to my sister and she will be using them to.

4 years ago

Reply from AUTOPAY

Thank you Melissa! We appreciate your business!

Jun. 8th, 2021

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Verified Customer

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Odell Jones Windsor Mill, MD

The process was quick and easy. Talk to the rep a few times, signed a few papers and it was done.

4 years ago

Reply from AUTOPAY

Great to hear, thank you for choosing AUTOPAY, Odell!

Jun. 2nd, 2021

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Verified Customer

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Jeremy Wyatt Jemison, AL

It was quick and easy. I never had a problem getting in contact with my account manager

4 years ago

Reply from AUTOPAY

Thank you for leaving a review Jeremy, we appreciate your business!

Jun. 2nd, 2021

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Verified Customer

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Steven J Stinson Hartselle, AL

They are very friendly and courteous they were in good communication the entire time

4 years ago

Reply from AUTOPAY

Steven, we are thrilled to see such positive feedback! Thank you for your business!

Jun. 2nd, 2021

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Verified Customer

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Richest Barge Sentinel, OK

Knowledgeable understanding and kept me informed on what was going on or needed next

4 years ago

Reply from AUTOPAY

Thank you Richest for choosing AUTOPAY! We appreciate your business!

Jun. 2nd, 2021

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Verified Customer

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Kim Andrews Parker, CO

The website and application were confusing. When I would log in it kept wanting me to start another application.

4 years ago

Reply from AUTOPAY

Thank you Kim for the feedback. We will have our development team review our application process to see if we can locate any issues that were preventing you from viewing your current application.

Jun. 2nd, 2021

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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.

9 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.

9 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.

10 months ago

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Patrick McLorn

***STAY AWAY** I have a 780 credit score. They offered a 4.98% for my auto refinance. So I clicked accept offer on credit karma. I have done this before with carabu and other banks with credit karma and the rate that they give you is the rate you get. But no, not with AUTOPAY, they then pulled my credit next day witch was still 780 across all 3 credit places and they gave me a quote of.... 8.98%. They are proud to lie to you. It's not even a bank its a broker.

11 months ago

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Tony Leclerc

Entered all required "tasks" on online application. Then, got a text from a phone number I don't know asking me to spend another 10-20 minutes with him and enter yet more information. I expected a streamlined, 21st century online auto loan lender and application process. I might as well walk into a bank and talk with a loan officer. This is truly disappointing. Never again will I use AUTOPAY. Caveat Emptor!

1 year 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.

1 year ago

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Jason Parks

Autopay dragged me around for a week with no contact. When I manually logged into my account and emailed them. They would respond telling me to call... I'd call then they'd give excuses for the delay. After two weeks of wasted time they tell me a refinance would almost double my 12% interest rate to over 20% that is the best they could do "sorry" and stopped contacting me. TLDR if your vehicle can't make them enough money they'll blow you off.

1 year ago

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ROBERT TAYLOR

You could never have a better Loan Specialist like Vivian C in Denver CO. She went over the tops to help me save alot of money! Thank you for the excellent service Autopay.

1 year 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!

1 year 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.

1 year 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.

1 year ago

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Jennifer Gonzalez

I found AutoPay as recommended on Credit Karma. I put in all my info and submitted all the photos they asked for. My account showed pending review. It dinged my credit report so I logged in to see that my status disappeared and said application cancelled. So I called today, they said they have my loan, but it was moved into another box and they will send it back to a loan officer to get into underwriting. Mentioned wanting $1200 upfront to move forward. I have over 720 credit score and it's a 10 yr old minivan. Seems a bit much. No one has called me on it. I literally just gave all my personal info out & let them ding my credit, and they can't even talk over options with me? I will be going elsewhere at this point.

1 year ago

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Jonny Shaw

Their website wasn't working so I decided to go with another company. A company who gave me a phone call before I even finished their application and was eager to help me. Instead of just sending threatening emails. Oh right, so they sent me an email threatening to give me a hard inquiry on my credit anyway because I "already filled out an application." Even though I hadn't yet because the website wasn't working. Seems like a great way to run a business. And someone with a pretty okay score it wasn't really a threat but just an admission of someone with too much time on their hands and a vindictive personality.

1 year ago

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Luke Winters

I didn't ask to refinance. I was actually hesitant, but the reviews on here made me think I could save some money. After wasting my time completing the application and gathering the paperwork, I got a notice a few days later that there was nothing they could do to help. Then you shouldn't have reached out in the first place if you weren't confident that you could help us.

1 year ago

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Will Lippolis

Refinanced my auto loan at a lower rate (same term and lower payments) and Jackie, the agent that worked with me, was respectful of my time and easy to work with!

1 year ago

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RDM

I tried to refinance an auto loan through Autopay. I almost went through but decided not to go through. The service rep who assisted me tried me to sign the paperwork as soon as possible without going through all the costs involved. He tried to pressure me to purchase GAP insurance when I wasn't interested. He didn't tell me that I would be charged a fee for their service which would increase my principal balance. I told him I wanted a 72 month loan. The paperwork he sent me was for an 84 month loan instead of the 72 month loan I asked for. Because of that, I had more time to review the paperwork that he was rushing me to sign and send back without giving me time to review. While he was able to improve my loan interest rate, it wasn't even the best rate available from that credit union. When I found the credit union he was refinancing my loan with, I went to their website and found an even better interest rate that he told me he didn't have access to. He withdrew the application when I contacted the credit union directly. It almost seemed like he wanted me to fill out and send him all the paperwork so I wouldn't have a chance to review what I am getting into. Some people had a good experience from this company so I may be the exception. Just be sure to read all the paperwork in detail and do not feel pressured to sign anything without fully understanding all the costs involved.

1 year ago

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Justin

I financed my auto earlier this year when rates were very high. Due to recent rates decreasing, I visited Credit Karma and noticed they recommended Autopay for refinance. They had an advertised APR of 5.45%. After Autopay ran my credit multiple times, the best rate provided was 6.59% for 60 months. This was with an 821 credit score. I asked the Autopay agent, Jeff how this rate was so high compared to the advertised. Jeff relayed Credit Karma advertises these rates with nothing to back them. Due to the extremely high rate I decided to call around to my local banks/credit unions. I was able to secure a 4.49% at 60 months through a credit union. I advised Jeff of this and he was unable to budge from what he advised was an “excellent” rate. Furthermore, the loan had a lender document fee of $699.00, While my credit union charged nothing. I actually would receive $200 If I kept the loan for more than 6 months through the credit union. This was a learning lesson and it’s upsetting due to all of the hard credit checks now on my history. I would never recommend Autopay to anyone with an excellent credit score.

1 year ago

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Hng6800

Jaclyn helped me and she was amazing! So very sweet, everything got done in a timely manner. She made the loan transition super simple and a breeze! Thank you!!

1 year ago

Reply from AUTOPAY

Awesome 5-star review. We appreciate the feedback.

Sep. 20th, 2024

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Carolina Magana

Please do not waste your time. This is coming from someone that was literally a loan officer before. The way they work here is extremely shady and very unethical. I got two approval offers and the loan officer Jay Allen failed to contact me and present to me. Those offers. I then later called and asked for a supervisor and someone by the name of Colin said that there is no supervisor that can help me. All this did was run my credit for absolutely no reason and the loan officers do not bother to call you if they think that it’s not a good deal. That is not their decision to make for you. For all they know the deal would’ve worked for me. Anyway, withholding information is wrong and unethical. Please do not even try to refinance with them.

1 year ago

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Stephen Walker

Jackie was very helpful ad patient with me. She answered any questions I had without hesitation. I was very impressed with her professionalism and kindness.

1 year ago

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Eric Mendoza

This company is a joke! I received 3 hard pulls from my credit report and mind you I have a 790 fico score. I originally asked if they could beat my current 5.75% rate from a credit union and they said they also use credit unions throughout the US. So, I figured try to get it lower because I got my rate in July 2023 when rates were still going up, but because of my great credit I got a 5.75 rate. They didn’t guarantee they could get a better rate but I figured I’d give it a try. They then pulled my credit 3 times and I got a call from a Jonathan Mahlum to return his call because I have been approved for my refinance. I called him 3 days in a row and left means crickets from his end. This is a complete joke of a company. DO NOT DEAL WITH THEM!! Avoid the headaches and lies!!

1 year ago

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Robin Howard

I received a pre-qualified letter to refinance my current auto loan with a lower rate of 4.60, lowering my payments $367 monthly. I went on-line to see my off of which never came up and directed my to speak to someone. I told them about my offer and was told that they had to hard hit my credit report to check my qualifications and I would have thought that since the letter had my information they already had the answers but I agreed to them checking. Melissa with Autopay call today to say that the best rate that they have available is 8.25% and if I was willing to reduce my term to 36 months they could go to 7.75 which is still well above my current rate. After a hard hit on my credit, which can significantly reduce my credit rating that I have worked hard to maintain I feel that is is fraud and it should be addressed with this company and they should not be allowed to continue with this. I told the representative that this was fraud and she had nothing to say other than this is the best offer they had at this time.

1 year ago

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Erin Sparks

They were not up front about anything! They had absolutely no communication until they found out I was willing to pay a down payment, then it was telling me what I wanted to hear until they got all my information as well as my cosigners then radio silence until we both started seeing hit after hit on our credit of hard pulls from lending companies. When I reached out to my agent I got no response just repeated hard pulls from the same companies, then they never did communicate with me but instead sent an email to my cosigner with an outrageous offer! Horrible customer service, very dishonest and not at all what I would have expected from a company dealing with Credit Karma. I was definitely disappointed and now I do not trust Credit Karma to give me honest deals. They never mentioned they were a referral company, only that this was the interest and possible payments "they" could offer.

1 year ago

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Anthony Liggett

Don’t bother with this company. They have a partnership with Credit Karma and recommend I refinance my Auto Loan with a lower APR showing an “Outstanding” approval odds based on my credit profile. After getting all my information, Auto Pay came back to me with some 8% APY and a much shorter term, which would only save me like $200. This was a big disappointment since there offer was for the same term as my current loan and a 6% APR. The loan officer I was working with was also condescending and rude. He kept trying to sell me extra products and loan insurance…. Not worth your time, I ended up refinancing with a company with more integrity.

1 year ago

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Hyzers GR

This company loves to bait and switch. They entice you with lower rates via Credit Karma and then offer a rate nowhere close to what they are claiming. My credit score is 808 so it's not a matter of low credit. The agent tried to steer me to add certain things to the financing that I didn't want, and then questioned me if I even knew what gap coverage means. When I asked if I could put more money down he again tried to tell me well you can just pay the loan off early and "why would you even want to put more money down up front?" Maybe so I could have a lower monthly payment? He was condescending and then when I told him I wasn't comfortable with their terms he got angry and rhetorically asked me if I WANTED to stick with my current rate I'm paying. I would never accept an offer from someone who acted like that to me, especially not the one they switched to after baiting me to apply.

1 year ago