AUTOPAY Reviews

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About AUTOPAY

AUTOPAY is an online auto loan refinancing broker. With its easy-to-use platform, customers can compare rates and terms from financial institutions and credit unions across the nation all in one place. Loans are available for all credit scores. AUTOPAY customers save an average of $116.71 per month with one of its three refinancing loans, according to the company.

Pros
  • Quick and easy application
  • Good average savings
  • Variety of loan options available
  • Options available for all credit scores
Cons
  • Little personal support
  • Limited website information

Featured Reviews

Ontario, CA
Verified purchase
“I definitely recommend Autopay for anyone seeking to refinance their auto loan. I received a great rate and the process was quick and easy! The loan department explained everythi...

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Phoenix, OR
Verified purchase
“From the first call from the Loan Specialist all the way to his 'the loan has been funded' text, my experience has been quite smooth. I am saving a lot by refinancing my original...

Read more

What is AUTOPAY?

AUTOPAY is an online auto loan broker offering car loan refinancing. It partners with a large network of trusted lenders across the country, including credit unions and financing institutions. These lenders each have their own rates and terms, which allows customers to find truly customized refinancing loans, no matter their credit score or vehicle. AUTOPAY claims that customers save an average of $116.71 per month on their refinance loan. The process is handled entirely online, though you can call the team with questions from Monday through Saturday.

How does AUTOPAY work?

AUTOPAY combines technology with lending to create an easy-to-use platform for users. Its marketplace of lenders gives customers access to many of the best rates available. Customers will fill out an online application that connects them to a wide variety of rates and terms to help them find the best loan.

There are three types of refinance loans available through AUTOPAY: traditional refinancing, cash-back refinancing and lease buyouts.

  • Traditional refinancing: Refinancing is when you take out a new loan to pay off your existing loan, typically to get a lower interest rate.
  • Cash-back refinancing: With cash-back refinancing, you’re borrowing against the equity in your vehicle in order to take out more money than you owe on your car loan.
  • Lease buyout: If you want to buy your leased vehicle, you can take out a lease buyout loan. This can help you avoid paying mileage and other fees.

AUTOPAY also offers new loans for vehicle purchases, and you can get prequalified online in just a few minutes. The company claims loans are available for all credit scores.

AUTOPAY rates

AUTOPAY doesn’t advertise interest rates. When you apply for a loan, the company connects you to its network of trusted lenders, who compete to get you the lowest rate they can. Each company sets its own terms and rates. That said, the company claims the average customer gets monthly savings of $116.71. To find out what rates you qualify for, fill out the form on AUTOPAY’s website; there is no hit to your credit score.

» MORE: Interest rates and how they work

AUTOPAY FAQ

Does AUTOPAY do a hard credit check?

AUTOPAY does a soft credit check during the pre-qualification process. Once you choose a loan option and seek lender approval, a hard credit check takes place.

How much can I save on my loan with AUTOPAY?

The average AUTOPAY customer saves $116.71 per month after refinancing their loan, according to the company.

What loan amounts does AUTOPAY offer?

AUTOPAY offers loans between $2,500 and $100,000.

What loan terms does AUTOPAY offer?

AUTOPAY offers terms between 24 and 96 months, depending on the applicant’s qualifications.

What documents do I need to apply for an AUTOPAY loan?

AUTOPAY requires the following documents to process a refinance application: driver’s license, insurance information, proof of income (tax returns, pay stubs), proof of residence (utility bill, lease agreement) and a payoff letter. In some situations, customers may be asked to provide additional details by the lender.

Is AUTOPAY legit?

AUTOPAY is a legitimate online broker for refinancing loans. Customers are able to easily compare their options through its online application process without having to worry about hard credit pulls and wasted time and effort. Some people may prefer more hands-on support. But for those who simply want a more efficient way to find the best rates, AUTOPAY is a good option.

AUTOPAY Reviews

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    Page 1 Reviews 0 - 10
    Customer ServiceStaffRates

    Reviewed June 14, 2025

    After receiving approval for a lower interest rate via letter, I submitted my application and provided all the necessary information. However, I later received a call stating that I was approved. The loan specialist informed me that the initial letter was merely an automated message and that I would actually be receiving a higher rate than what I currently have. I suspect they only wanted my information to sell it to someone else or use it for other purposes. I plan to take legal action against them soon.

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      Verified purchase
      Customer Service

      Reviewed June 2, 2025

      The experience I’ve had with Autopay ensures I will NEVER use them again. I’d rather pay more elsewhere. No one speaks adequate English. They credited my account with payments I didn’t make while suggesting it may have been from the previous creditor to reconcile the account. Sent me an invoice for $0 that month. Pulled the phantom payment. Sent me a bill for double the following month with no explanation, and charged me a late fee.

      They’ve never responded. Charged me late fees every month since. Took a larger payment I made recently to get myself back on track. Instead of using the extra to get me back on track, they used $175.00 to pay the late fees they’ve been charging and kept me in a position to keep getting late fees. It’s a circus. They are highly unethical and will never respond with answers even though they promise they will. It’s gone on for 10 months. Still no answers. The average IQ in their office is lower than room temperature.

      Thanks for your vote!
      AUTOPAY
      Response from AUTOPAY

      Hello Terrence,

      We would be happy to look into this with you! We are a vehicle refinancing and do not work with automatic payments but would be happy to help sort this out. Please give us a call at 844-276-3272.

      Resolution In Progress
      Rates

      Reviewed May 15, 2025

      The customer support I received was really all that was good. But the false advertising on Credit Karma cost me 4 points on my credit report. They said they could lower my interest rate by at least 3 to 4 points due to my good credit and my car payment would drop at least $60. I cannot beat that so I let them run my credit report. They came back with a horrible offer. They dropped my interest rate by .4 points, took a year off my loan and raised my payment by $60 plus dollars. End of the day just messed my credit up. Credit Karma will be hearing from me.

      Thanks for your vote!
      AUTOPAY
      Response from AUTOPAY

      Hello Derrick,

      I am sorry to hear that you had a negative experience! We would be happy to discuss this with you at 844-276-3272.

      Reviewed May 13, 2025

      This is not a company you wanna do business with. Buyer beware. They will say anything to pull your credit and never get close to the rate they promise. Trust when I say do your homework, there’s better companies out there

      Thanks for your vote!
      AUTOPAY
      Response from AUTOPAY

      Hello Tony,

      I do apologize that you had a negative experience. We would be happy to discuss this with you at 844-276-3272!

      Rates

      Reviewed May 9, 2025

      Do not, I repeat do not try to do business with this company. They advertise a low interest rate, they get all of your information, they run your credit report several times only to come back and tell you that it’s higher than what they advertise. Do yourself a favor and use your credit union or bank because they offer a better interest rate. I wish I would’ve read the reviews before I applied with this company. If I could rate the zero stars I would. Run as fast as you can.

      Thanks for your vote!
      AUTOPAY
      Response from AUTOPAY

      Hello Lisa,

      I do apologize that you had negative experience and we were not able to find an approval that fit your needs. We would be happy to discuss this with you at 844-276-3272!

      Customer ServiceStaffLoan Process

      Reviewed April 24, 2025

      Beware! Very unethical company, deceptive and dishonest! Would leave negative stars if I could! Agents are rude and short. Please DO NOT use this company… Should be removed from credit karma!!! Told me after I was approved and a hard credit check that my rig isn’t worth what I owe so they cancelled my loan after submitting several documents and told was approved.

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      AUTOPAY
      Response from AUTOPAY

      Hello Pawl,

      I do apologize that you had negative experience and that we were unable to help you secure a better loan. We do also apologize that you felt our agents were rude to you! We would be happy to discuss this with you at 844-276-3272!

      Profile pic of the author.
      Loan Process

      Reviewed April 1, 2025

      AUTOPAY facilitated my loan. The company Shorted my payoff and Took over 30 days to complete. This resulted in me having to make 2 payments. One to the new company and one to the old company. The new company also refused to accept my legal, valid CO drivers license as proof of identification because I moved to WY. 100% would not recommend using this company!

      Thanks for your vote!
      AUTOPAY
      Response from AUTOPAY

      Hello Curtis,

      I do apologize that you had negative experience. We would be happy to discuss this with you at 844-276-3272!

      StaffLoan ProcessRates

      Reviewed March 31, 2025

      Worst experience ever. I do not recommend them. I received a letter indicating that I could save over $300 per month. NOT TRUE. They calculated my loan for 72 months, not 60-I had already made 14 payments. The loan interest was higher than initially suggested-3.3% became 8.02%. The payment was $100 cheaper, but in the end I would have spent $3,500 more than I paid when I purchased the car. Do not trust these people, go to your bank for a safer process and cheaper.

      Thanks for your vote!
      AUTOPAY
      Response from AUTOPAY

      Hello Barbara,

      I do apologize that you had negative experience. We would be happy to discuss this with you at 844-276-3272!

      Rates

      Reviewed Feb. 1, 2025

      I received a letter stating I was pre-approved for a lower interest rate than what I currently have. I took the time to fill out all the paperwork and upload all the requested documents. This took significant time and lots of confidential information. I was a complete waste of time. They offered me a higher interest rate than stated in the letter (the same as what I have). We are tier-1 credit. The loan officer that contacted me said, "That's just for marketing purposes." WTH! DO NOT WASTE YOUR TIME WITH THIS COMPANY!

      Thanks for your vote!
      AUTOPAY
      Response from AUTOPAY

      Hello Pamela,

      I do apologize for your negative experience. We would be happy to discuss this with you! Please give us a call at 844-276-3272.

      Rates

      Reviewed Dec. 8, 2024

      I received a letter stating I was approved for refinancing. With a new lower interest rate and lower payment printed on the letter. After speaking with someone they changed my offer to a larger monthly payment and a larger interest rate. Then I kept getting the runaround with them requesting “extra documents.” It was a complete waste of time.

      Thanks for your vote!
      AUTOPAY
      Response from AUTOPAY

      Hello Brook,

      We appreciate your feedback. Our team would be happy to discuss this situation with you at 844-276-3272.

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      AUTOPAY Company Information

      Company Name:
      AUTOPAY
      Website:
      www.autopay.com