Name: AUTOPAY
Rating: 2.5

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Vet Li

SCAM! I applied for a car refinance with this company after seeing it recommended on Credit Karma. Despite having an excellent credit score of 800 and no credit card debt, my application was not approved. I found it surprising, especially since I had no trouble securing a refinance through my local bank. Unfortunately, this experience felt misleading and unproductive.

3 months 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 explain the inquiry process. Please call 1-844-290-5731 at your earliest convenience. Again, thank you for your time.

Sep. 20th, 2024

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Laurence Holt d'Bourbon-Gaston

I was very pleased at the professionalism and ease of the entire process. I will recommend others to you for your services.

3 months ago

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Carolina Magana

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

4 months ago

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Stephen Walker

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

4 months ago

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Eric Mendoza

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

4 months ago

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Robin Howard

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

5 months ago

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Erin Sparks

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

5 months ago

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Zayden Dumas

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 Going HERE!!

7 months ago

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Verified Customer

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Daniel Las Vegas, NV

Jessica is awesome! I had the best experience with refinancing my car loan. She was very thorough, prompt and understanding throughout the whole process.

2 years ago

Reply from AUTOPAY

Thank you Daniel. So glad you had a great experience. We will let Jessica know of your kind words.

Sep. 23rd, 2022

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Verified Customer

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Richard Gomez Visalia, CA

The process was seamless and quick. It was actually an enjoyable experience because I felt that I was being taken care of by a rep who was thoughtful and caring.

2 years ago

Reply from AUTOPAY

Awesome Richard! Thank you for the 5 star review.

Sep. 23rd, 2022

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Verified Customer

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Jason Cornelison Albany, OR

Process took much longer than expected, After almost 2 months I finally got my refinancing done. Had to make an extra payment on original loan that was ultimately refunded to me in the end. Process was very lengthy and slow.

2 years ago

Reply from AUTOPAY

Hello Jason. We apologize for not meeting your expectations time wise. Occasionally lenders run behind and can cause things to move a bit slower. This is not the norm. We do appreciate your feedback.

Sep. 23rd, 2022

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Verified Customer

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Lance Busch Grand Prairie, TX

Process was not thoroughly explained and took way too long. Extended warranty was thrown in just to get extra money from me. It doesn't benefit me or my vehicle. Warranty is setup so they avoid any liability and offer minimum coverage. I was never given the option to confirm or deny the warranty. I could have had a lower payment now I'm stuck with something that doesn't benefit me. I'd have rather paid more for better protection instead of the bare minimum, but you expect me to stay on top of vehicle maintenance and keep documentation?

2 years ago

Reply from AUTOPAY

Lance, we would like to let you know that the vehicle service contract is cancellable, if you don't want the service please give us a call and we will get that taken care of for you.

Sep. 8th, 2022

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Verified Customer

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Ethan

Payton F. was the best customer service representative I've ever dealt with in my life. I recommended him to 4 other people who wanted to refinance any vehicles.

2 years ago

Reply from AUTOPAY

Hello Ethan, it is our pleasure to hear your valuable feedback. Thank you for have recommended us!

Sep. 3rd, 2022

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Verified Customer

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Marcos

Your website is very easy to follow and I got in touch with someone pretty much immediately so that helps a lot. My first auto loan was at 19% and it got down to less than 11% so I'm very grateful for that.

2 years ago

Reply from AUTOPAY

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

Sep. 3rd, 2022

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Verified Customer

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Isaac

Autopay was very attentive to my needs and understanding and helped out a lot. They answered all my questions I ever had, and checked with me periodically.

2 years ago

Reply from AUTOPAY

Hello Isaac, thank you so much for taking the time to leave us this amazing review. Cheers!

Sep. 3rd, 2022

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Verified Customer

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Gloria

I was looking for a lower rate than I was paying and they did that for me. The representative was very patient, helpful, courteous, and answered all my questions.

2 years ago

Reply from AUTOPAY

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

Sep. 1st, 2022

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Verified Customer

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Anonymous

Terms are alright, I wish I had a better rate. The woman I talked to was very personable and she helped me out a lot. Every time I called her she got back with me.

2 years ago

Reply from AUTOPAY

Perfect! Thank you! We appreciate you sharing!

Sep. 1st, 2022

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Verified Customer

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Jose

The representative that I spoke with, Patrick Kennedy, I think was just amazing. He gave us amazing customer care and and everything was real simple for us.

2 years ago

Reply from AUTOPAY

Awesome Jose. We will let Patrick know you were pleased. Thank you for leaving us great feedback.

Sep. 1st, 2022

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Verified Customer

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Roberto

Garrett B. did an amazing job. I really wanna shout him out because he was very consistent, he always followed up, so understandable, and he's very knowledgeable.

2 years ago

Reply from AUTOPAY

Hello Roberto. Thrilled to hear you were well taken care of. Garrett is great. We will pass along your kind words to him. Thanks again!

Aug. 31st, 2022

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Verified Customer

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Brittny

The guy Matt, was super helpful and it was convenient to do everything over texting. I don't always have time to be on the phone with people forever so that was nice.

2 years ago

Reply from AUTOPAY

Thank you for the feedback Brittny. We will pass along your kind words to Matt.

Aug. 31st, 2022

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Verified Customer

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Clay

My rate was half of the interest rate I was previously paying. The person that I dealt with was very prompt and answered all my questions with great customer service.

2 years ago

Reply from AUTOPAY

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

Aug. 30th, 2022

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Verified Customer

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Casey

It was easy. I was able to do it almost 100% from my phone which was convenient. The rate was slightly higher than advertised but still lower than what I'm paying.

2 years ago

Reply from AUTOPAY

Thank you for your feedback Casey, we appreciate your business! Cheers, AUTOPAY

Aug. 30th, 2022

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Verified Customer

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Georgia Violette Plainview, TX

Easy to work with and very friendly. I found Autopay through Credit Karma. I did not think that I could get a refinance auto loan with such a good percentage rate. But I did.

2 years ago

Reply from AUTOPAY

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

Jun. 17th, 2022

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Verified Customer

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Roe Bartolotta Wappingers Falls, NY

Logan was fantastic , professional , efficient and kept me very informed throughout the entire process . You should be proud to have him as part of your team, a true asset!

2 years ago

Reply from AUTOPAY

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

Jun. 3rd, 2022

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Verified Customer

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Anthony

Very attentive anytime I called and they always answer the phone and they always have the ability to answer my question. They were able to help me save money every month.

2 years ago

Reply from AUTOPAY

Anthony, great to hear we were able to help you save! Thank you for sharing your experience!

May. 31st, 2022

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Verified Customer

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Kendra

The rates are very good. The guy I worked with was very polite and directed me in what I needed. They gave me a great interest rate based on my credit score.

2 years ago

Reply from AUTOPAY

Kendra, we are thrilled to have lowered your rate! Thanks for the feedback!

May. 31st, 2022

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Verified Customer

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Catherine

The person I worked with was very knowledgeable and helpful. I had a bunch of questions that he was able to answer quickly. I was pre-approved for an A.P.R. higher than what I got so that was a surprise.

2 years ago

Reply from AUTOPAY

Great to hear we were able to help you save Catherin! Thank you for sharing your experience with us!

May. 31st, 2022

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Verified Customer

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Ryneka

Joshua was my support agent and he helped and walked me through the whole journey so fast and he never left me with questions and I appreciated him for his customer service.

2 years ago

Reply from AUTOPAY

Perfect! Thank you,! We appreciate you sharing!

May. 31st, 2022

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Verified Customer

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Avree Gaston Hartford, MI

Very helpful and friendly staff! They were very attentive in making sure I had the best rates and getting everything gathered that I needed to move onto the next step!

2 years ago

Reply from AUTOPAY

Thank you for the great review, Avree! Great rates and great service are what we always strive for.

May. 12th, 2022

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Verified Customer

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Alysha Desert Hot Springs, CA

There was a "mix up" with my apr which I wasn't told until all documents were signed the rep was very nice apologetic and communicated well when issues came up but I still haven't received my welcome package and I have a payment due in 3 days have no idea how to make it

2 years ago

Reply from AUTOPAY

Thank you for sharing your feedback. We apologize, as this is not the experience we strive for here at AUTOPAY. If you wish, we would be more than happy to address your questions or concerns as well. Please call us at 844-290-5731 when you are ready.

May. 13th, 2022

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Verified Customer

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Michael Parker Oviedo, FL

They, though not like any finance company I've dealt with in the past,were easy to work with. Most importantly, AutoPay came through with a great low refi rate for me.

2 years ago

Reply from AUTOPAY

We appreciate the great review, Michael!

Mar. 26th, 2022

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Verified Customer

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Mikey Johnstown, PA

It's a long process. Definitely doesn't happen overnight, but it does happen. It's hard to get someone to respond to your texts sometimes as well. For the most part they're pretty good. Couldn't really help too much on the rates though, I only got my payment lowered about 40 bucks but it's better than nothing.

2 years ago

Reply from AUTOPAY

I'm sorry to hear there was a delay, and that you had trouble contacting us, Mikey! If you would like to discuss your experience, our agents would be happy to go over it with you. Our number is 844-290-5731 and we hope to hear from you!

Mar. 24th, 2022

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Verified Customer

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LeAnn Rene Edwards Port Charlotte, FL

Super easy to deal with and very understanding. I really liked that I could communicate via text....I feel like that gave me a more personal experence with my loan officer.

2 years ago

Reply from AUTOPAY

We're happy to communicate where you're most comfortable, LeAnne! Thanks for refinancing with us.

Mar. 26th, 2022

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Verified Customer

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Zachary Pfriem Cincinnati, OH

2 years ago

Reply from AUTOPAY

Thanks for the awesome review, Zachary! We'll pass this along to Lorenzo for you.

Mar. 17th, 2022

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Verified Customer

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Carolyn Surbercammy23@yahoo.com Sedalia, MO

You waited till everything was done before you told me you were raising the interest I would not have finished or signed the paperwork. It came across as being sneaky and h6

2 years ago

Reply from AUTOPAY

Thanks for reaching out, Carolyn! Since you've left your email address, our customer success team will reach out to you directly to seek a resolution. Thank you for your review!

Mar. 26th, 2022

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Verified Customer

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Caresse Davis Albuquerque, NM

I had great experience with finding a low payment auto loan within a short amount of time. My agent was very helpful with out process and was able to find the best rates.

3 years ago

Reply from AUTOPAY

Thank you for sharing your experience, !

Dec. 17th, 2021

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Verified Customer

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Jeremy Clinton Shawnee Mission, KS

I was promised soft inquiries until a lender chose me and then it would be a hard inquiry by them. I have two hard inquiries. I even called your tool fee number to confirm that it would ne soft until the lender picked me. Luther also gave me muddled information on that happening and too

3 years ago

Reply from AUTOPAY

Hi Jeremy, we must conduct a hard pull to secure a loan for you, so I'm very sorry if you were told something different. Since we take issues like this very seriously, do you mind giving us a call so we can look into this further? Our phone number is 844-290-5731.

Dec. 8th, 2021

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Verified Customer

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William Bonilla Fremont, CA

I am very grateful to Mr. Romel G he was the one who helped me AND he was very patient and was able to have the refinancing in my truck he is a great worker

3 years ago

Reply from AUTOPAY

We'll make sure to let Romel know he's doing a great job, William! I'm so glad he was able to get you a great deal on your refinance.

Dec. 10th, 2021

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Verified Customer

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Ronald Davis Douglasville, GA

Very professional and prompt, Karen was a delightful person when we spoke.....she was very straight forward and honest, what she said was what happened.

3 years ago

Reply from AUTOPAY

Thanks for the awesome feedback, Ronald! We're so glad to hear that we were able to be of help. Thank you again for choosing AUTOPAY!

Dec. 6th, 2021

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Verified Customer

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Michael J Rivera-Pere Rochester, NY

3 years ago

Reply from AUTOPAY

Hi Michael, thank you for taking the time to share your feedback. I'm so sorry to hear about this experience, and our customer success team would love to look into this. Please give us a call when you can so we can see what went wrong. Our number is 844-290-5731, and we hope to hear from you soon.

Dec. 1st, 2021

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Verified Customer

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Deborah Dallas, GA

It was just a great experience. Ryan my Rep was on point. Always replied to my text regarding the lender and where we stood in the process. He was just great to work with.

3 years ago

Reply from AUTOPAY

Thank you for such a thoughtful review, Deborah! We'll make sure to pass this along to Ryan for you.

Dec. 6th, 2021

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Verified Customer

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Stacy Hagerstown, MD

Fast easy process!! My loan specialist worked with me, calls, texts and emails to ensure I did everything properly. Everything was complete within a week.

3 years ago

Reply from AUTOPAY

This is great to hear, Stacy! Thank you for your business.

Dec. 6th, 2021

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Verified Customer

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Francisco Rodriguez Jr Ridgefield Park, NJ

Took care of the process and decreased my APR rat by half, and lowered my monthly payment. Also give me update of the process until it was finalized.

3 years ago

Reply from AUTOPAY

Francisco, we're so glad to help you save so much money! Thank you again for choosing AUTOPAY.

Dec. 1st, 2021

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Verified Customer

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Lnfon Apalachin, NY

Very simple process from start to finish. The only negative would be the difference from the quote to the actual numbers which obviously is based on credit.

3 years ago

Reply from AUTOPAY

Thanks for your feedback! I'm so glad we were able to make the process of refinancing so easy for you. I'm so sorry that our initial estimates aren't always completely accurate. Only once we run the credit can we know for sure what we can offer you. If you have any questions about the process, please just let us know! Our number is 844-290-5731.

Dec. 1st, 2021

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Verified Customer

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Doug Bergschneider Elgin, IL

Refinancing was easy and fast, got much better rates! On top of that, shortly after starting the contract, my car broke down, my car was covered under the warranty!

3 years ago

Reply from AUTOPAY

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

Oct. 25th, 2021

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Verified Customer

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Bernard Henderson West Palm Beach, FL

There were times when I was left out of the loop for more than 72 hours and didn't know what the status of my application, I thought I'd have put everthing on hold and start from scratch. on

3 years ago

Reply from AUTOPAY

Bernard, I'm so sorry you felt left out of the loop! We aim to keep you updated 100% of the way, so we'd like to see what went wrong. Do you mind reaching out to our customer success team so we can look into this? We can be reached at 844-290-5731, and we hope to hear from you!

Oct. 26th, 2021

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Verified Customer

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Gerald Bias Maitland, FL

Everything was fine. I would've like better communication at the end of the process, I was not told when my truck was paid off and the new Started Until I received communication from the new company via mail

3 years ago

Reply from AUTOPAY

Hello Gerald, Thank you for the feedback and how we can improve! We are working to create a smoother transition to the lender for all of our customers! Thank you for choosing AUTOPAY!

Oct. 25th, 2021

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Verified Customer

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Ckr South Lyon, MI

They made the process easy and my customer representative kept me informed during the complete application process. He responded to all omy emails or texts promptly.

3 years ago

Reply from AUTOPAY

Perfect, Thank you,! Customers are first! Thank you for sharing your feedback!

Oct. 25th, 2021

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Verified Customer

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Kaitlyn B Irving, TX

Unexpected large fee for using autopay to find me a better interest rate. Loan amount increased 500-600$ plus another payment on my old loan. Also, website claims only a soft pull is required to present different loan offers. After an offer is chosen to apply for, a hard pull will be done. That was a lie. Two stars is because at least i got approved.

3 years ago

Reply from AUTOPAY

Hi Kaitlyn, I'm so sorry to hear about this experience. We aim for a completely transparent process, and we make sure you're aware of both the credit pull and the document fee before they happen. If you weren't told, we want to know! Please give our customer success team a call at 844-290-5731 when you're able so we can research this further.

Oct. 26th, 2021

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Verified Customer

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K Stirrup Porter, TX

My initial contact person was not very friendly or supportive of my specific situation. Working out that kink seemed to be a great deal for only issue I had was a charge of a couple thousand for obtaining a new loan that was never mentioned to me no huge deal but I would've like to know.

3 years ago

Reply from AUTOPAY

Hello K, We are sorry for this initial contact! That is not the way we like to introduce ourselves to our customers. We would like to research this surprising "charge of a couple thousand". Please call our customer success team at 844-290-5731 so we can investigate and get this corrected.

Oct. 25th, 2021