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AUTOPAY

Name: AUTOPAY
Rating: 4.5

4.5

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1,748 User Reviews

8.3

Overall Score

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4.5

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1,748 User Reviews

8.3

Overall Score

Visit Site

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Bad

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Company Details

Time in Business

16 Years

Company Headquarters

8055 E Tufts Ave, Denver CO 80237

Number of Reviews 1,748

Source of Information

This company is a Best Company for Business customer. Learn more

Best Company guarantees your satisfaction if you choose a company that has earned this distinction. If you're not satisfied after 30 days, simply let us know and we'll give you $200. Yes, it's really that simple.

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LAST UPDATED: September 25th, 2023

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

Highlight: AUTOPAY rates and terms

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

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

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The Good

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

Multiple Refinancing Options

AUTOPAY offers multiple types of refinancing:

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

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

Get Rates Instantly

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

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

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

Low Minimum Credit Score

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

Prequalify with no Impact to Your Credit Score

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

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

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The Bad

Not a Direct Lender
No Refund Policy

Not a Direct Lender

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

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

No Refund Policy

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

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The Bottom Line

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

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

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

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

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User Reviews

Star Rating

4.5

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1,758 Reviews

Review Breakdown

5 grade

76%

4 grade

10%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Featured Review

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Verified Customer

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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!

2 years ago

Reply from AUTOPAY

What great feedback! Thank you, Linard!

Jul. 15th, 2021

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Verified Customer

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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

2 years ago

Reply from AUTOPAY

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

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

2 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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Ilir Lokaj Stamford, CT

I've had a good experience with customer service

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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Kathy Ireland Kent, WA

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

2 years ago

Reply from AUTOPAY

Thank you Kathyfor choosing AUTOPAY! We appreciate your business!

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

2 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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Eduardo Attleboro, MA

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

2 years ago

Reply from AUTOPAY

Thank you for the feedback Eduardo!

Jun. 2nd, 2021

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Verified Customer

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Donald Smith Huntington Beach, CA

Great friendly service. Quick response time

2 years ago

Reply from AUTOPAY

Outstanding to hear! Thank you for choosing AUTOPAY!

Jun. 2nd, 2021

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Verified Customer

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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!

2 years ago

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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Verified Customer

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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

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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Nicholas Mckinzie Shelby, NC

Still haven't received account information for new loan

2 years ago

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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Verified Customer

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Domonic Price Glendale, AZ

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

2 years ago

Reply from AUTOPAY

Thank you for your review.

Jun. 2nd, 2021

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Verified Customer

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Donna Weaver Chandler, AZ

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

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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David E Darragh Peoria, AZ

Prompt, courteous and professional agents

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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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.

2 years ago

Reply from AUTOPAY

Thank you Regina for your feedback!

Jun. 2nd, 2021

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Verified Customer

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Tina Sayatovich Heath, OH

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

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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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.

2 years ago

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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Verified Customer

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Chad Crystal River, FL

Extremely easy process from start to finish.

2 years ago

Reply from AUTOPAY

Thank you for your response! Cheers!

Jun. 2nd, 2021

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Verified Customer

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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

2 years ago

Reply from AUTOPAY

Great feedback! Thank you for choosing AUTOPAY!

Jun. 2nd, 2021

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Verified Customer

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Chastity Henderson San Francisco, CA

I had a good experience. Friendly service and convenient

2 years ago

Reply from AUTOPAY

Thank you Chastity for choosing AUTOPAY!

Jun. 2nd, 2021

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Verified Customer

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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!

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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Kayla Rancho Cordova, CA

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

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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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.

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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Leon Stevens Las Vegas, NV

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

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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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.

2 years ago

Reply from AUTOPAY

Thank you Joseph for the feedback! Cheers AUTOPAY!

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.

2 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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Verified Customer

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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.

2 years ago

Reply from AUTOPAY

Kelly, thank you for your feedback, cheers AUTOPAY!

Jun. 2nd, 2021

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Verified Customer

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Marty Apache Junction, AZ

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

2 years ago

Reply from AUTOPAY

Outstanding! Thank you Marty!

Jun. 2nd, 2021

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Verified Customer

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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.

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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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.

2 years ago

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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Verified Customer

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Bret Speer Franklin, NJ

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

2 years ago

Reply from AUTOPAY

Bret, thank you for choosing AUTOPAY!

Jun. 2nd, 2021

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Verified Customer

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Philip Fort Bragg, CA

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

2 years ago

Reply from AUTOPAY

This is great feedback, Thank you Philip!

Jun. 2nd, 2021

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Verified Customer

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Oscar R Ramirez Upland, CA

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

2 years ago

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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Verified Customer

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Robin T San Diego, CA

2 years ago

Reply from AUTOPAY

Thank you for the feedback Robin! Cheers, AUTOPAY!

Jun. 2nd, 2021

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Verified Customer

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Matthew Kelly Houston, TX

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

2 years ago

Reply from AUTOPAY

Matthew, thanks for choosing AUTOPAY!

Jun. 2nd, 2021

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Verified Customer

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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.

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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Willie Birmingham, AL

Great service and got a better interest rate than expected

2 years ago

Reply from AUTOPAY

Thank you for your review Willie!

Jun. 2nd, 2021

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Verified Customer

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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

2 years ago

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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Verified Customer

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Robert Nixon Long Beach, CA

Great customer service, fantastic help overall

2 years ago

Reply from AUTOPAY

Thanks for the positive feedback Robert! Cheers, AUTOPAY!

Jun. 2nd, 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.

2 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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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

2 years ago

Reply from AUTOPAY

Thank you Donald for your feedback and business!

Jun. 2nd, 2021

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Verified Customer

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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.

2 years ago

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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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

2 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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Gary W Starr Vancouver, WA

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

2 years ago

Reply from AUTOPAY

Gary, thank you for your business! Cheers AUTOPAY!

Jun. 2nd, 2021

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Verified Customer

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Kenyon Brittain Red Oak, IA

Very poor customer service, no communication, poor attitude

2 years ago

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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Verified Customer

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Marvin Cooke Murfreesboro, TN

They communicated very well about everything.

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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Shamra Norman, OK

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

2 years ago

Reply from AUTOPAY

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

Jun. 2nd, 2021

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Verified Customer

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Tom Crown Point, IN

Quick easy refinance. All handled over the phone and email

2 years ago

Reply from AUTOPAY

Thank you Tom for your review!

Jun. 8th, 2021

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Verified Customer

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TARA EDWARDS-COLEMAN Cleveland, OH

Great communication! Fast process! Convenient

2 years ago

Reply from AUTOPAY

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

Jun. 8th, 2021

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Verified Customer

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Stephen Eldred Greenville, OH

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

2 years ago

Reply from AUTOPAY

Great to hear, thank you Stephen!

Jun. 8th, 2021

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