AUTOPAY

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

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.

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.

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.

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.

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.

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.

. 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.

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!

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.

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.

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.

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!

**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.

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.

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.

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.

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.

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.

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.

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!!

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.

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.

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.

I feel like this was a Bait and Switch company. I had a letter with my name and my current car payment. Since I have excellent credit I thought it would be an easy process to receive their new “quoted” payment which was $66 less per month. I spent an hour filling out the paperwork and sending copies of my life. The next day I get a call and say they can’t do that deal. It is for people in “other” states. Then why send to me? And what states? Their real rate was within a quarter point of where my current rate is. The reason I even acted was because it had a great BBB rating and I thought it was legit. No more doing loans on line for me.

Worst experience I've had in a while. Horrible communication, claims my application doesn't exist yet I sent screenshots of everything, only wants to communicate over phone if they decide to return my emails asking for updates, took almost 2 weeks of me emailing for an update as I keep records of everything, docked my credit 47 points for running their credit check yet AGAIN claimed my application didn't exist. Refinancing and even buying a vehicle doesn't make a credit score drop 47 points. So now they have my personal information and refuse to have any conversations besides one that isn't being recorded or via email for record keeping purposes.

After receiving "Outstanding" odds of being approved for a lower interest rate car loan on credit karma through AUTOPAY, I clicked on accept and filled out all the forms, which ended up being a waste of time bc the agent Taffy just asked me all the same info again. After 5 days, she sent a fragmented text stating she couldn't "secure an approval that would help my financial" end. I asked if I would be receiving any information as to why, NOTHING. All I received from this offer was a -6 point drop in my credit score and horrible customer service from an agent with a cartoon name. NOT WORTH IT!!!