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AUTOPAY

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7.3

Overall Score

LAST UPDATED: May 24th, 2023

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

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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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1,613 Reviews

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Featured Review

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Linard B Feaster Richmond, TX

Auto Pay was able to approve me in minutes. I am very pleased with my lower interest rate and the money saved. It was a quick and easy process for a refinance. I would definitely recommend!

1 year ago

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Reply from AUTOPAY

What great feedback! Thank you, Linard!

Jul. 15th, 2021

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Leila Ross Bangor, PA

They did something for me that one else would. And they were quick. I recommended them to some one else

1 year ago

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Reply from AUTOPAY

We always enjoy seeing feedback like this! Thank you Leila for choosing AUTOPAY!

Jun. 2nd, 2021

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Richest Barge Sentinel, OK

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

1 year ago

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Reply from AUTOPAY

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

Jun. 2nd, 2021

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Ilir Lokaj Stamford, CT

I've had a good experience with customer service

1 year ago

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Reply from AUTOPAY

This is great to hear, We will pass along your feedback! Thank you Ilir!

Jun. 2nd, 2021

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Kathy Ireland Kent, WA

All of my concerns and questions were answered in a timely manner.

1 year ago

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Reply from AUTOPAY

Thank you Kathyfor choosing AUTOPAY! We appreciate your business!

Jun. 2nd, 2021

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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

1 year ago

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Reply from AUTOPAY

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

Jun. 2nd, 2021

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Eduardo Attleboro, MA

My payments are on time and are easy to make paying off us shorten by months

1 year ago

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Reply from AUTOPAY

Thank you for the feedback Eduardo!

Jun. 2nd, 2021

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Donald Smith Huntington Beach, CA

Great friendly service. Quick response time

1 year ago

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Reply from AUTOPAY

Outstanding to hear! Thank you for choosing AUTOPAY!

Jun. 2nd, 2021

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Jessica Zei San Antonio, TX

My agent, Jordan, was so helpful. He was able to walk me through the numerous versions of my loan paperwork and with all of his hard work and advocating for me I was able to cut my interest rate in HALF! I am SO happy!

1 year ago

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Reply from AUTOPAY

Jessica, thank you for choosing AUTOPAY! We are thrilled to have cut your payment in half! Cheers AUTOPAY!

Jun. 2nd, 2021

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Johnathan Perez Irving, TX

My rep Nemo with autopay went all the out his way to help me find the best deal after turning down 3 offers he found what I wanted. Kept me update through out the whole process. Great company hands down

1 year ago

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Reply from AUTOPAY

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

Jun. 2nd, 2021

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Nicholas Mckinzie Shelby, NC

Still haven't received account information for new loan

1 year ago

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Reply from AUTOPAY

Hello Nicolas, We would be happy to assist you with any follow up questions you may have about the new loan. Please feel free to call our escalations team at 8442905731

Jun. 2nd, 2021

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Domonic Price Glendale, AZ

The loan payment was higher than i was told on the letter

1 year ago

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Reply from AUTOPAY

Thank you for your review.

Jun. 2nd, 2021

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Donna Weaver Chandler, AZ

Everyone was very helpful , patient with me and the process was fast.

1 year ago

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Reply from AUTOPAY

Donna, thank you for choosing AUTOPAY! We appreciate your business!

Jun. 2nd, 2021

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David E Darragh Peoria, AZ

Prompt, courteous and professional agents

1 year ago

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Reply from AUTOPAY

David, thank you for your feedback! We appreciate your business.

Jun. 2nd, 2021

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Regina Green Palm Bay, FL

Very easy to work with. They followed up with me regarding all that they needed for me to be approved.

1 year ago

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Reply from AUTOPAY

Thank you Regina for your feedback!

Jun. 2nd, 2021

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Tina Sayatovich Heath, OH

The staff was helpful from start to finish. Made it as simple as possible.

1 year ago

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Reply from AUTOPAY

This is great to hear, thank you Tina for choosing AUTOPAY!

Jun. 2nd, 2021

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Michael R McGuire Hamilton, OH

Failed to keep me informed of the process of my loan. I was told I was approved for a redo then it would've days several days before I heard from them again then the terms would change. In the end I was satisfied but there was a REAL communication problem.

1 year ago

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Reply from AUTOPAY

Michael, Thank you for your feedback. We will follow up internally and make sure we cover any issues that may have come up. We value all feedback and learn from each issue! Cheers, AUTOPAY!

Jun. 2nd, 2021

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Chad Crystal River, FL

Extremely easy process from start to finish.

1 year ago

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Reply from AUTOPAY

Thank you for your response! Cheers!

Jun. 2nd, 2021

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Gavin M Conroe, TX

The process was pretty easy and the rep I talked to was really helpful and and very informative. Every question I asked was answered with a pretty detailed response

1 year ago

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Reply from AUTOPAY

Great feedback! Thank you for choosing AUTOPAY!

Jun. 2nd, 2021

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Chastity Henderson San Francisco, CA

I had a good experience. Friendly service and convenient

1 year ago

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Reply from AUTOPAY

Thank you Chastity for choosing AUTOPAY!

Jun. 2nd, 2021

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Devin Deschene Derry, NH

Very professional and very quick with the process. Only took me a week for everything to be finalized!

1 year ago

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Reply from AUTOPAY

Devin, Thank you for your review! We appreciate your Business!

Jun. 2nd, 2021

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Kayla Rancho Cordova, CA

Great experience, helpful, knowledgeable, friendly staff with great service

1 year ago

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Reply from AUTOPAY

Kayla, this is great to hear! Thank you for choosing AUTOPAY!

Jun. 2nd, 2021

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Allison Vultaggio Escondido, CA

Easy process, explained well except for the power of attorney part needed. That was confusing. Otherwise quick and fast and easy.

1 year ago

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Reply from AUTOPAY

Allison, Thank you for your feedback. We appreciate your business! Cheers, AUTOPAY

Jun. 2nd, 2021

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Leon Stevens Las Vegas, NV

Simon O. was very understanding and very patient with me.

1 year ago

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Reply from AUTOPAY

Leon, thank you for your feedback, we will send a note to your specialist!

Jun. 2nd, 2021

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Joseph F Modica Jr West Hempstead, NY

I had Adrian K. help me with every detail. He has went above and beyond for me. His hard work and dedication is the reason for my rating.

1 year ago

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Reply from AUTOPAY

Thank you Joseph for the feedback! Cheers AUTOPAY!

Jun. 2nd, 2021

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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.

1 year ago

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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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Kelly J Whittaker Surprise, AZ

Great communication, kept me in the loop all the way thru the process. Jacob was always nice and explained the procedure.

1 year ago

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Reply from AUTOPAY

Kelly, thank you for your feedback, cheers AUTOPAY!

Jun. 2nd, 2021

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Marty Apache Junction, AZ

The best customer service, on all steps taken and how easy each step is

1 year ago

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Reply from AUTOPAY

Outstanding! Thank you Marty!

Jun. 2nd, 2021

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Sara Avalos Watertown, TN

Kristi was amazing! She made sure everything was done in a timely matter and was a HUGE help with the process.

1 year ago

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Reply from AUTOPAY

Sara, Outstanding to hear, We will pass along your feedback to your specialist!

Jun. 2nd, 2021

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David Corpus Christi, TX

Well all questions were answered in a reasonable time frame. I am literally 1,000 miles from my home and wife and we were able to ship documents from Texas to Illinois share needed documentation and photos and other information through text, email, USPS and phone calls and get this done in a 2-3 week period. I started saving on my interest towards my truck.

1 year ago

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Reply from AUTOPAY

David, thank you for choosing AUTOPAY, we are excited to see all the feedback and are grateful that we could help you through your refinance!

Jun. 2nd, 2021

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Bret Speer Franklin, NJ

Agent I worked with was great. She was thorough and explained everything

1 year ago

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Reply from AUTOPAY

Bret, thank you for choosing AUTOPAY!

Jun. 2nd, 2021

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Philip Fort Bragg, CA

Anthony was very helpful and stayed in contact through the whole process

1 year ago

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Reply from AUTOPAY

This is great feedback, Thank you Philip!

Jun. 2nd, 2021

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Oscar R Ramirez Upland, CA

Did not tell me about renewing the registration till it went to the lender

1 year ago

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Reply from AUTOPAY

Oscar, we are sorry for the lapse in communication during your refinance process. We appreciate the candid feedback and will make sure to follow up with your specialist.

Jun. 2nd, 2021

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Robin T San Diego, CA

Customer Review Video

1 year ago

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Reply from AUTOPAY

Thank you for the feedback Robin! Cheers, AUTOPAY!

Jun. 2nd, 2021

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Matthew Kelly Houston, TX

They helped me to get a better rate for my auto loan.

1 year ago

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Reply from AUTOPAY

Matthew, thanks for choosing AUTOPAY!

Jun. 2nd, 2021

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Melissa Maloney Clearlake, CA

Because my loan specialist worked with me and my schedule to get the process done. It was fast and easy.

1 year ago

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Reply from AUTOPAY

Melissa, thank you for your feedback, we appreciate your business!

Jun. 2nd, 2021

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Willie Birmingham, AL

Great service and got a better interest rate than expected

1 year ago

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Reply from AUTOPAY

Thank you for your review Willie!

Jun. 2nd, 2021

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Scott Bernier Watertown, MA

Great customer service this company got me a excellent rate after I went to AAA and they were not able to reduce my rate so for that I am very grateful for their help in this process and for all of the help and support for getting me a lower rate

1 year ago

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Reply from AUTOPAY

Scott, we are thrilled to have lowered your rate and save you on your payment! Thanks for the feedback! Cheers AUTOPAY!

Jun. 2nd, 2021

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Robert Nixon Long Beach, CA

Great customer service, fantastic help overall

1 year ago

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Reply from AUTOPAY

Thanks for the positive feedback Robert! Cheers, AUTOPAY!

Jun. 2nd, 2021

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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.

1 year ago

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Reply from AUTOPAY

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

Jun. 2nd, 2021

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Donald Shelbyville, IN

Customer service is great process was very easy and didn't have to make a trip to an office they sent a prepaid label for paperwork that had to be mailed in which made everything go smoothly

1 year ago

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Reply from AUTOPAY

Thank you Donald for your feedback and business!

Jun. 2nd, 2021

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Tanya Guerrero Santa Ana, CA

It was extremely difficult to get a hold of my loan specialist. I would call and text and get no response for days. I was finally approved and didn't even hear from him. I would constantly have to call him to ask for an update as to what was going on with my application.

1 year ago

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Reply from AUTOPAY

Tanya, Thank you for your feedback, We will definitely follow up with your loan specialist and his supervisor. If you have any unanswered questions or need any assistance, our Escalations Team would be happy to assist you. you can reach them at 8442905731

Jun. 2nd, 2021

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Steven J Stinson Hartselle, AL

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

1 year ago

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Reply from AUTOPAY

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

Jun. 2nd, 2021

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Gary W Starr Vancouver, WA

Because of such personalized service, Emani was awesome to work with .

1 year ago

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Reply from AUTOPAY

Gary, thank you for your business! Cheers AUTOPAY!

Jun. 2nd, 2021

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Kenyon Brittain Red Oak, IA

Very poor customer service, no communication, poor attitude

1 year ago

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Reply from AUTOPAY

Kenyon, We are sorry that you had a poor experience during your refinance process. Our Escalations Team would be happy to assist you with any further questions or follow up you may need. Please feel free to give them a call at 8442905731

Jun. 2nd, 2021

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Marvin Cooke Murfreesboro, TN

They communicated very well about everything.

1 year ago

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Reply from AUTOPAY

Thank you Marvin for choosing AUTOPAY! We are always excited to see positive feedback!

Jun. 2nd, 2021

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Shamra Norman, OK

They have been very helpful and detailed with everything I had questions on.

1 year ago

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Reply from AUTOPAY

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

Jun. 2nd, 2021

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Tom Crown Point, IN

Quick easy refinance. All handled over the phone and email

1 year ago

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Reply from AUTOPAY

Thank you Tom for your review!

Jun. 8th, 2021

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TARA EDWARDS-COLEMAN Cleveland, OH

Great communication! Fast process! Convenient

1 year ago

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Reply from AUTOPAY

Tara, outstanding to hear, thank you! Cheers, AUTOPAY!

Jun. 8th, 2021

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Stephen Eldred Greenville, OH

Found me a rate almost half the interest rate then what I was paying

1 year ago

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Reply from AUTOPAY

Great to hear, thank you Stephen!

Jun. 8th, 2021