Name: AUTOPAY
Rating: 1.3

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TheFi5thElement

So I received a Pre-Approved Estimate Refinance Rate of 4.94% for 48 Months on my current Car Loan via Credit Karma. My credit score is over 800 and I make more than 6 figures with good work and credit history. After they did a Hard Pull on my Credit (which then lowers your credit score), I was told that I didn't qualify and that the 4.94% for 48 months was simply "JUST" an Pre-Approval Estimate. A total waste of time and an unnessary negative hit towards my Credit Score.

1 year ago

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Creep Time

Terrible company to do business with. After beign "pre-approved" I received a "application canceled" email with a request for a down payment. Why would i want to do that? At the end, after following all the steps and having my credit stepped on by multiple random companies, I'm not enjoying what was promised regales of having good Credit and beign a great candidate. Stay away if you like your credit.

1 year ago

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Lauren Roberts

This place is a scam, they love bait and switching through Credit Karma. I was offered a lower rate (my current is 7.95%) over 48 months. After doing a hard pull on my credit and amassing some of my personal information I was offered a 7.99% loan over 72 months? To pay this loan off at the same rate of my current I would have INCREASED my monthly payment. Do not use this service.

1 year ago

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Mayra Roman

Melvin was a kind and completely transparent person, he guided and supported us so that we could get the best benefit! Thank you 100% recommended.

1 year ago

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stephen henry

I've been dealing with this company for 3 weeks so far. They transferred my loan specialist. I can't get a response from anyone. My loan person sent a text saying I don't know why you aren't getting any responses in a text. That was on Monday he said your welcome package will be there in a week. Then back to no answers a week later. I've had on time payments for 7.5 yrs that has been ruined because they couldn't get the paperwork done in time. I am not a very happy person with this transfer

1 year ago

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Xi

Honestly the deal they gave me was not that good but whatever the issue is the person doing my paperwork tiffany is impatient and has such a nasty attitude closed my case because I couldn't answer the phone while at work she doesn't need to be working in this line of work. Barley even answers the questions I have. I wish I was assigned to someone else for help.

1 year ago

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Emilia Toronto, ON

Very quick and easier at getting my loan approved. The paperwork was easy and fast I highly recommend using them for your loan

1 year ago

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Joey Jr.

My Loan specialist Jody really helped me alot! going through the process with my car refiance with this company was very easy!

1 year ago

Reply from AUTOPAY

Thanks for leaving this feedback. We love happy customers.

Jan. 24th, 2024

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Josh Scribner

Mailer from Autopay promised me a 5.1% refinance rate, down from 6.49%. Went through entire application process, hard credit pull, everything looked good. Received a call from a rep who told me I had excellent credit, but 5.1% wasn't available in my area. Best he could do was 6.25% on a shorter-term loan that would dramatically increased my monthly payments.

1 year ago

Reply from AUTOPAY

Thank you for the opportunity to address this complaint. We strive to provide our customers with the best experience possible and are disappointed to hear that they may not have received such an experience from us. We would welcome the opportunity to speak you regarding this matter. Please consider contacting us by calling our escalations line at 1-844-290-5731.

Jan. 19th, 2024

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Knash

I received the approval letter from ap autopay to refinance my current loan after a week I called them why they cancel my loan they said we don't have any idea you provided everything we need. But we don't see any reason so I will say if your credit score is lower than 700 don't try this company and lose some points they are looking for a fat fish.

1 year ago Edited January 3, 2024

Reply from AUTOPAY

Thank you for taking the time to leave feedback. We are sorry your experience with us was not what you had hoped. I would encourage you to speak to someone on our escalations team as they would be happy to speak to you about this. Please call 1-844-290-5731 at your earliest convenience. Again, thank you for your time.

Jan. 3rd, 2024

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Hany Habib Los Angeles, CA

Smooth transaction, and quick From the first call to the end of the process Everything was done properly Two thumbs up 👍👍

1 year ago

Reply from AUTOPAY

Awesome 5-star review. Thank you

Jan. 3rd, 2024

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abdullah ibrahim

Deliah was a pleasure to work with, can’t wait to call her again once interest rates lower and my credit gets better to re finance again.

1 year ago

Reply from AUTOPAY

We love happy customers. Thank you for the 5-stars.

Jan. 3rd, 2024

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Traci O'Connor-Larson Ballwin, MO

If I could give a zero score, I would. I applied with my child as a cosigner. I have excellent credit (770) and was denied. They did a 5 hard checks on my credit. My child is a grad student with limited credit. (They did hard checks on my childs account as well.) They have no ability to tell me why I was denied. The only person that I could talk to could only tell me we would be getting a letter in the mail.

2 years ago

Reply from AUTOPAY

Thank you for taking the time to leave feedback. We are sorry your experience with us was not what you had hoped. I would encourage you to speak to someone on our escalations team as they would be happy to speak to you about this. Please call 1-844-290-5731 at your earliest convenience. Again, thank you for your time.

Dec. 19th, 2023

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Richard Boyle II Mooresville, NC

The low rate they provide is not worth the hassle and incompetence of their customer service department. They double charged me for a month, returned that, then sent me a letter indicating i was late on two months worth of payments and charged me a late fee of 30 dollars, all while my bank showed the withdrawls. Trying to get a straight answer out of them is impossible. Their people could careless. I would give negative stars if possible. Run away, do not use this company.

2 years ago

Reply from AUTOPAY

Thank you for taking the time to leave feedback. We are sorry your experience with us was not what you had hoped. I would encourage you to speak to someone on our escalations team as they would be happy to speak to you about this. Please call 1-844-290-5731 at your earliest convenience. Again, thank you for your time.

Dec. 19th, 2023

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Anthony Fragoso Houston, TX

Justin G was my agent, and he made the process extremely easy. Always knowledgeable and kept me in the loop from start to finish.

2 years ago

Reply from AUTOPAY

Awesome 5-star review. Thank you for taking the time to share your experience.

Dec. 19th, 2023

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Hytham Gaballa Glen Burnie, MD

Very bad customer service, very rood and even the customer service agent threatening and don't want to leason what information the customer want . And when ask for supervisor he hangout the call. Now for sure I'll not put any investment with this company. Stay far from this company. the customer service agent refuse to give me his name cause he know he is rood and harassment the customer who want reach to the company.

2 years ago

Reply from AUTOPAY

Thank you for taking the time to leave feedback. We are sorry your experience with us was not what you had hoped. I would encourage you to speak to someone on our escalations team as they would be happy to speak to you about this. Please call 1-844-290-5731 at your earliest convenience. Again, thank you for your time.

Dec. 19th, 2023

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Nour Sobki Rockville, MD

Jackie was beyond amazing! She was super helpful throughout my refinancing process and was always there to answer any questions!

2 years ago

Reply from AUTOPAY

Awesome review! We will share this with Jackie.

Nov. 16th, 2023

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William Port Charlotte, FL

Everything was really clear and understanding, from the beginning of the conversation. Jody B was very helpful. Thank you again.

2 years ago

Reply from AUTOPAY

We believe communication is very important. Thank you for the 5-stars.

Nov. 16th, 2023

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Michaela Hernandez Atlanta, GA

Jody was very helpful and understanding while I had to play phone tag because I am very busy during the day. She was patient and I appreciate that

2 years ago

Reply from AUTOPAY

Thanks for leaving this great review. We appreciate you.

Nov. 16th, 2023

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Roberto Ll Lehigh Acres, FL

Hello my name is Bob and they lie to me. They asked me for my social and run my credit . They said online starting 2.99 interest rate no way my credit score is 824 and they offer me 8.69 . That's not fair 😞. I would not recommend this company to anyone because they run your credit and hurt your credit with lies . This 2.99 interest rate is a trap guys please don't let them to destroy your credit and personal information with lies. Lies. Lies lies

2 years ago

Reply from AUTOPAY

Thank you for taking the time to leave feedback. We are sorry your experience with us was not what you had hoped. I would encourage you to speak to someone on our escalations team as they would be happy to speak to you about this. Please call 1-844-290-5731 at your earliest convenience. Again, thank you for your time.

Nov. 16th, 2023

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Keilon Crowley

Great company to work with! They worked around my schedule to get the best rates and money back in my pocket! I definitely recommend them.

2 years ago

Reply from AUTOPAY

We love helping customers save money. Glad we could help.

Nov. 30th, 2023

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Tanya Dillard Dallas, TX

Megan was awesome..she guided me through the process and I got the funding in all a weeks time..I would recommend AutoPay.

2 years ago

Reply from AUTOPAY

Stellar 5-star review. Thanks for taking the time to leave feedback.

Oct. 2nd, 2023

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Billy Parker, CO

Beware!!!! This company will send you text and emails that you are approved and that a loan agent is working on putting “your contract” together. After telling my wife and I that we were approved, these clowns call to tell us that they need a down payment of $3000. The best part is they said that with a a straight face and no inflection in their voice. They were serious lol. Everyone should avoid this fly by night operation unless you need a good laugh.

2 years ago

Reply from AUTOPAY

Thank you for taking the time to leave feedback. Here at Autopay we pride ourselves on being professional and above all else, communicative. I would encourage you to speak to someone on our escalations team as they would be happy to speak to you about this. Please call 1-844-290-5731 at your earliest convenience. Again, thank you for your time.

Oct. 2nd, 2023

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Eric Claisse Los Angeles, CA

Very easy to work with very easy to have. Your documents signed and very quick to get back with you on any question that you have.

2 years ago

Reply from AUTOPAY

We love 5-stars. Thanks so much.

Oct. 2nd, 2023

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Ashley Wilson Castle Rock, CO

Auto pay was easy to work with and made refinancing my auto loan very easy! Jody was patient and attentive! Thank you Auto Pay!

2 years ago

Reply from AUTOPAY

We value our customers time and are glad to hear this was a great experience. Thank you for leaving the feedback.

Oct. 2nd, 2023

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Devin98 Cleveland, OH

Liked Everything! Was a very smooth process. Appreciate all of your guys help! Brandon with “Autopay” also was a big help thanks again!

2 years ago

Reply from AUTOPAY

Great review. We will share this with Brandon.

Nov. 30th, 2023

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Megan Thompson Houston, TX

Jody was amazing and so helpful! She made the whole process so easy and made sure I was fully educated on all my options. I couldn’t be happier!

2 years ago

Reply from AUTOPAY

Awesome feedback. Thank you for taking the time to review us.

Aug. 28th, 2023

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Frank Espejo Boston, MA

Autopay thank you, Nami T (loan specialist) has help me throught this process she made sure that I got the right lender for the loan.

2 years ago

Reply from AUTOPAY

Great news that you were pleased with your loan specialist. We will pass this information on. Thanks again for the 5-star review.

Aug. 28th, 2023

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Jason Johnson MO

I didn't like that you couldn't get my jeep refinanced and the truck you got refinanced wasn't more than what it was. But the finance lady Megan was very nice and is keeping in contact till it's final.

2 years ago

Reply from AUTOPAY

Thank you for taking the time to leave feedback. Hope we will be able to help.

Aug. 28th, 2023

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Montana Murphy

Andrew F. was absolutely amazing, always checking on our loan and making sure that everything was going through. He is the best and so personable!

2 years ago

Reply from AUTOPAY

Thank you for that feedback. We love happy customers.

Aug. 29th, 2023

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Gary Wetter Denton, TX

The person I worked with was very nice, however, the entire process took a lot longer than I expected. I’m used to a refi taking a day or two, and this took weeks.

2 years ago

Reply from AUTOPAY

Thank you for taking the time to leave this feedback. We are continuously looking for ways to improve the process and take the feedback very seriously. Thank you again.

Aug. 29th, 2023

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Brian K. Lancaster, CA

First of all Ashley was a great customer service representative, she was thoughtful, kind and knowledgeable. Now, with that said, as of today 08/19/23, this company does not finance in EVERY state. Yet, it doesn’t say that any where on their website. So, you give personal information in order to get a quote, just to be sent a text to call the number provided, then to be told they do not finance in EVERY state at present. Misleading, definitely and all it takes is a little maintenance of their website to update. Hopefully, they will get their computer gurus on this soon.

2 years ago

Reply from AUTOPAY

Thank you for taking the time to leave feedback. We are sorry your experience with us was not what you had hoped. I would encourage you to speak to someone on our escalations team as they would be happy to speak to you about this. Please call 1-844-290-5731 at your earliest convenience. Again, thank you for your time.

Dec. 19th, 2023

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Georgie Javier Atlanta, GA

Refinanced my car for the first time and everything went smooth and easy. Nami answered all of my questions and was very responsive.

2 years ago

Reply from AUTOPAY

Awesome 5-star review! Thank you.

Aug. 29th, 2023

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Elsa Garay

Fast and easy completing my refinancing contract and getting approved wasn’t hard. My new monthly payment is such a stress relief.

2 years ago

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Dillon Taylor Livonia, MI

Garbage company that will take your personal information and then turn down your application with absolutely no reason whatsoever. Go with ANY other loan servicer than them; they only want to accept people who are OVER-qualified so they can saddle them in unreasonably high APRs. Don't waste your own time or money on this absolutely terrible company.

2 years ago

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Marianne Foley Tampa, FL

Deliah was wonderful through every step of the process and made my first refinance (from my first every loan!) as stress free as possible

2 years ago

Reply from AUTOPAY

We love happy customers. Thank you for leaving this feedback.

Aug. 28th, 2023

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Josh Mikels Winter Garden, FL

Avoid this company!! I have a credit scope over 800. My Credit Karma profile suggested them for auto refinance with rates at 3.5% based on my profile. I went through their process after reaching out to them, and only AFTER they had pulled my credit and approved me for a loan...they told me the rates were actually over 6%. They lie, and utilize false advertising as click bate. They misrepresent how they approach things. Now I'm left with a damaged credit score and no refinance. They should be ashamed. I am not an uninformed or inexperienced purchaser.

2 years ago

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J G Columbus, OH

Effortless process, quick turnaround and Andrew was amazing. He's personable and professional. His assistance made the process seamless.

2 years ago

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Levett Johnson Texas City, TX

Patrick was extremely helpful and very patient. He was a great help and made sure that I understood each step of the process.

2 years ago

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Katherine Leising McKinney, TX

Patrick was super helpful and patient with all of my questions and concerns! He helped me refinance my car easily and explained everything so well!

2 years ago

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Artemio Garland, TX

Very helpful staff and great at explaining the details of contracts. Answered any questions I had and never felt unsure about anything.

2 years ago

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Charity Green LA

Terrible to deal with. I refinanced my car almost 2 years ago, have sent title documents twice already and they still can’t get it right. I have now spent over $100 in notary fees and just sent the third set of paperwork. I have zero confidence it will be done correctly this time. I’m ready to refinance elsewhere just so I don’t have to deal with this incompetent company.

2 years ago

Reply from AUTOPAY

Thank you for taking the time to leave feedback. We are sorry your experience with us was not what you had hoped. I would encourage you to speak to someone on our escalations team as they would be happy to speak to you about this. Please call 1-844-290-5731 at your earliest convenience. Again, thank you for your time.

Oct. 2nd, 2023

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Colleen LeCompte

I applied for refinancing and got a fast response back. Wasn’t difficult, they asked for my information and were helpful.

2 years ago

Reply from AUTOPAY

Thank you for the great feedback.

Oct. 2nd, 2023

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Megan Jackson Roberta, GA

We started the refinance process on 1/7. The company merged and we fell through the cracks. We were approved two different times. We even made it as far as signing documents & having them notarized. We mailed everything back in February. This morning, 3/30, we received an email stating that Autopay couldn’t help us. This is bad business. This process was terrible. I would not refer anyone to use Autopay if they are trying to get a vehicle refinanced in timely fashion. Thank you for wasting our time and pulling credit, not once but twice!

2 years ago

Reply from AUTOPAY

Hello Megan. Thank you for taking your time to leave this feedback. We are very sorry your experience was not acceptable. Please know that we understand that communication is key and we would like to know where we fell short here. Please give our escalations line a call at 844-290-5731 and someone would be more than happy to listen to what your experience was like and try to assist. Thank you again for your time.

Apr. 4th, 2023

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David Lee Stroud Oklahoma City, OK

Avoid this company. Do not bother with this bait-and-switch scheme. They promise much better interest rates and terms, but they do not deliver on their promises. This should be a Zero star review, at best. And, of course, they do not extend "specific invitations" for one-star or any other negative reviews, so please do not be misled by their overall review rating.

2 years ago

Reply from AUTOPAY

Hello David. We appreciate you sharing your experience with us. We do know how frustrating it can be to spend time on this only to learn we were unable to find a good fit for you. Unfortunately we do not have the ability to see why you might have been turned down as that is something that only the lender reviewing your information can see. We are very appreciative for you taking your time to leave this feedback and hopefully we can assist you in the future.

Apr. 4th, 2023

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Cindy Weeks Chicago, IL

I got a letter saying i was preapproved and would save $88 on my current loan. I called and asked questions. I was never told that they would have to find me a lender. I was never told I wasn't preapproved. 24 hours later they still don't have anyone who can finance me and they want me to give them more information. Very shady business Practice to send me a letter telling me I am preapproved and not to tell me otherwise when I called them and later emailed them with my questions and concerns. I am guessing many of the reviews on this site are just as fake as their preapproval letters.

2 years ago

Reply from AUTOPAY

Hello Cindy. Thank you for taking the time to leave this feedback. We are sorry your experience with us was not what you had hoped. I would like to encourage you to speak to someone on our escalations team as they would like to learn more. Please call 1-844-290-5731 at your earliest convenience. Again, thank you for your time.

Apr. 4th, 2023

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Ammar Alkass Hopkinton, MA

Be ware they hide huge fees by rolling it into monthly payment. In Jan 2022, They approved $24,515 auto loan at rate of 4.14% for 36 months for monthly payment of $835...that over $30,000 in monthly payment of which $4000 was hidden fees! They agent played nice until I questioned the monthly fee and stopped responding to emails or calls and closed my file with a standard Auto Pay letter that says thanks for the opportunity!

2 years ago

Reply from AUTOPAY

Hello Ammar! Our team is sorry to hear that you are not satisfied with your overall experience. We attempted to reach out to you but were unsuccessful. If you would like to discuss anything further, we would be happy to speak with you. Please feel free to give us a call at 844.276.3272!

Jan. 24th, 2023

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Nick Johnstone Draper, UT

Be very careful to read the final monthly payment amount! The marketing letter they sent me clearly said "Your New Payment = $391" and the actual monthly payment was $629. I have great credit and the new payment is saving me about $125 / mo but I was surprised they claim that my "Total Annual Savings of $4,378 to put away or spend on something you enjoy!" was so far off the actual (about $1,500 / yr). Plus, they missed my middle name on the original loan paperwork - so I had to completely redo it and notarize a 2nd application because the lender required it.

3 years ago

Reply from AUTOPAY

Hi Nick, I'm so sorry we couldn't match the estimate on your flyer. The flyers are based on very limited information and we can only know your actual savings once the lenders receive your completed application. I'm also very sorry to hear we had to redo some paperwork. If you'd like to discuss your experience more, or have any questions, please give our customer success team a call at 844-290-5731.

Mar. 17th, 2022

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Sami Greger

Matt provided great, personable, and timely service. He was available for any questions I had, and the texting communication was very convenient.

3 years ago

Reply from AUTOPAY

That's awesome to hear, Sami! Thank you for choosing AUTOPAY for your refinance. We'll also pass this along to Matt.

Feb. 15th, 2022

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Bianca Sanon Douglasville, GA

Very easy process. They got my interest rate lowered by 15%. They kept me informed every step of the way. Loved working with them.

3 years ago

Reply from AUTOPAY

Thanks for the great review, Bianca! Glad we could help.

Dec. 20th, 2021