AUTOPAY Reviews

I can't believe all the 1-star reviews on here, including mine now. I wished I read them before applying. I also got recommended by Credit Karma for auto refinancing. The quote I received from Rategenius (autoshop) looked really good so I accepted offer. Well, after a couple of days of the runaround and many emails and texts from different numbers, I finally got only 1 offer!

This issue has been resolved and is satisfactory.

"Preapproval" through Credit Karma offer of 4.54% APR for 48 months, all vehicle and personal information up to date. After approval they refused for DAYS to actually send documentation I could review. Credit Karma application information shows approved and still shows 4.54% for 48 months. They initially tried to sell me a huge term extension. When I finally got crappy screen shots of the 48 month terms to review it was 8.84% APR. MORE THAN DOUBLE THE ADVERTISED PRE-APPROVAL THROUGH CREDIT KARMA. They also tried to sneak in extra 'maintenance plans' and over $1k in fees (which I know are normal to some extent but were never itemized or disclosed) and tried to inflate the payoff on my current loan (yes I called my current lender). Huge scam with so many red flags.

Very Scammy business. I got a referral from Experian credit monitoring. They took my information and refused to give me anything in writing. Claimed that it was against their company compliance policy to provide written information. They advised me that they pulled my credit so I should be aware. I blocked their calls. Very sketchy, even Judge Judy would recommend against this company.

They ask for a good time to call. I supplied (4 times now) good times to call and they seem to only want to call on their terms & time. Why ask me then???? I have sat and waited 3 different times now for a call. The latest being today 4/16/26. They gave me a number to call which goes to voicemail. Are there no supervisors???? This is highly frustrating.

This auto loan company doesn't deserve a single star. I got their reference on Credit Karma and they used my personal information with several lenders without my information! Even they declined to share a copy of my auto loan application which I put my information on the credit karma and didn't realized that it would be shared with the multiple lenders and even after approval of the auto refinancing it would keep on having multiple hard pull of my credit.

Took all the personal details and later said I am not eligible, but I got a recommendation that I was pre-approved. How am I preapproved and later not approved.

Through Credit Karma they suggested AutoPay at a 4.49% and 48 month terms for my 9% 60 month term loan. They did a Hard Pull and came back two days later saying they could do 7.7% at a 78 month term. This is not even close to what was misleading information to get me to apply with their company. Again I don't only blame Jefferson at AutoPay I have to hold Credit Karma responsible as well for directing me to this misleading company and affecting my credit score significantly.

So many people have bought cars with astronomical interest rates over the past few years. It’s been a challenge and hard to find alternatives. When I received the flyer in the mail, I was skeptical. But I had already been looking for alternatives to lower my car payment and improve my position. Scott became a solid partner in this journey and was able to get me a refinancing offer that made a big difference. Every scenario and situation is different, but give AutoPay and The Savings Group a chance. I’m very satisfied with my outcome!

A person named Joey contacted me and within seconds turned so hostile that made me think, am I dealing with ** scammers? Then he hung up the phone. All I asked was that tell me what is it that I am approved for? Give me a number! But no, he insisted that I give him all the details of my financial life before he can say what it is I am approved for! If this does not raise your eye brows, go ahead give them your business and good luck. Good thing I recorded the phone conversation! Kudos Apple iPhone.

The worst company of all time. So disorganized. Was passed between multiple loan specialists. Took forever to get the loan processed, had to give my info to multiple people multiple times. Now I'm trying to cancel my loan and I can't get in contact with any of the 3 specialists I had.

I initially received an offer that I'll be saving $282/mo in my truck loan. After providing Autopay all requested docs and of them checking my credit score, the savings even went up to $345.50/mo! (monthly of $823.50) I requested a copy of the offer. Upon checkin, indeed my monthly will go down but have to continue paying for 72 mos! However, Comparing this to what I'm paying at present ($1,169/mo) with 44 mos. to go, I'll be paying more by $7,856 had I decided to take the so-called "savings". Bottom line, be cautious for offers that's too good to be true. Btw, my credit score went down by 2 points. I rate one star because everything were cleared out just in one day with the AUTO rep. For transparency, above were all discussed with AUTOPAY Ms. **

A 3 day suspense for a refi, my close to an 800 fico score For a 15 second answer. "We were able to match your current interest rate or higher." Definitely false advertising in my opinion. Don't do it. Not worth the hit you take on your credit. 0 stars.

I have hard credit bureau hits for myself and a co applicant they stated no hard hits. This impacted my credit. They didn’t give any information about the hit. Who it was. Lucky only got one. They don’t loan money. They are pass off referrals. Middle men to cost you more.

I applied to refinance my truck with AUTOPAY comma took me about two hours to do all the work upload documents. They made it seem so easy, the lady that took care of me. She went by the name of Jackson, try to sneak in gap insurance into the loan. When I already have it through my insurance company with Progressive. She told me I was approved and to expect the paperwork tomorrow electronically so that I can move forward signing the paperwork Electronically. Also told me that I would have a month of no car payment.

BEWARE: I thought it was safe to use this company since it appeared through my Experian app. I was taken through the process, disclosed all the financial information they asked for only to be told that even though I qualified, they would not fund the loan. In addition, there was a hard pull on my credit which I DID NOT CONSENT TO. The bank is called EXETER FINANCE. DO NOT USE AUTOPAY. IT IS A SCAM!!!

I received an offer which was a complete bait and switch. It was 3 points lower on an auto loan, then about 5 months extension to the term, a lower payment and the same loan amount. The offer claimed a soft pull on my credit. It wasn't - it was a hard pull. They then asked for an upload of all kinds of information to their portal, which I refused to do. I had a phone call with the rep. The best he could do was .25% lower than my current loan with an additional 10 months on the term - which would raise my total cost over time and keep my payment within a buck or two of where I'm at. Why would I do that?

I received a text, saying I was approved after they did a hard pull-on credit and have called them 4 times with no call back. I did receive a text from the original texter, Georgia **, telling me to be patient, she was on a call with another person and would call back after the call. That's happened twice now in a week, still waiting for that call back Georgia **! Don't waste your time. Seriously, if this is how they give you your rate, who wants to deal with them monthly.

I spent time last night online applying for an auto refinance loan. I had to scan multiple documents. Set up a link to my insurance. It took me over an hour to do everything. I called today and found out I was not approved. So their advertisement that the application is quick is false. I've been paying on my current auto loan for 14 months with no late payments so this does not make any sense.

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.

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.

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.

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

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.

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.

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!

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.

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!

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.

For me, I was shown one rate and terms from creditKarma offer and I clicked on the link saying 'Take offer' which directed me to the Autopay online and it already assigned me an application id. There it asked me for some documentation and I completed those too and later received call from rep. Now, the rep is saying she cannot give me that rate and the rate she is offering me is way high that what I actually I have now. I asked if there was done any credit pull, she said there was done. So, I think there is some lapse here. My time was wasted for this documentation and all, and unnecessary pull of credit. Everything I did was online only which means anyone following creditKarma and getting directed to autopay can have experience that I had. This should be checked somewhere so people don't have to get their time wasted.

Unfortunately, I'm another who ran into a bait and switch with AUTOPAY. In my case, I followed an autopay refinance offer from within Credit Karma, which was relentless in advertising the better rate to me for months. The Autopay loan details are deceptive because they trick you into thinking you are getting the loan choice you picked as you are seamlessly moved over to Autopay's website where they collect more detailed information. Note that it's even more deceptive because coming from CreditKarma, it's believable that they know enough about to you to help advertisers like Autopay offer you genuine rates etc. But you won't know until later over the phone that Autopay has no idea about the terms you thought you were getting as they give you something that is far worse and pretend that's to be expected.

Do not use Autopay.... Company pulled 3 hard inquires in one day. My credit dropped 35 points. Trying to apply for third party car financing. They pulled credit twice for refinance. (I don't own the vehicle I'm trying to purchase.) Then once on a private party purchase. They will send you email after email and each email is for something different. Their own customer service representative expressed they screw up 40 percent of the time.

I looked up auto refinance on Google, I came across Autopay. After looking at reviews I decided to go with them. After filling out the application online through their website AutoPay connected me with a representative named Dean. Dean was a professional from the start, very knowledgeable on the process which he explained to and Tee, which I realized afterwards. Dean basically held my hand through the whole process, which I greatly appreciate. I have told him over the phone what a great job he did in making feel confident and comfortable with the whole process. Dean made the Whole thing very easy. Thanks again to Dean and to AutoPay… give that Man a raise he deserves it!

Bait and switch! I was offered lower APR and lower payment by autopay. After hard inquiry pull and a bunch of beating around the bush, no calls answered, and robot texts, they come back with no offer and an apology.

I had an experience with this Autopay. They sent me a letter for my car if I wanted to refinance, they have a QR code. So I tried their online "QUOTE" system. I just wanted to see an estimate first before going through the application. I don't want my credit to be run. So when I was filling up the form just to see the numbers. They asked me for my Social Security No. I stopped there and did not continue. But the next day, I received multiple emails from my bank that there was a Hard Inquiry on my credit. Which I did not authorize that's why I stopped the application when they asked for my SSN. I tried calling them, but they just said to me that they can't do anything about it anymore. So yes, thanks for ruining my credit when we were planning to buy a big purchase and does not need any hard inquiries.

AutoPay are simply thief institute! They offers a good interest rating at the beginning, and then when you fill the application for (new or refinance) and after they put a hard inquiry at your Credit File, you will be chuck from the accurate (extremely high interest rate!). This is what happened to me, after I been incurred a (hard Inquiry) then I have to cancel my application due to the higher interest rate (even it is higher than the Norman market rate according to my excellent credit score)! Stay away from them!

I had such a helpful and pleasant experience with Autopay! They worked with me for as long as I needed and got me the best refinancing plan they could find. Kind, PATIENT, knowledgeable, helpful, and just amazing! I’m so grateful and impressed with them. Thank you!

I started an online pre-qualification application that stated it would not affect my credit..Well, I never finished it and had several inquiries immediately afterwards. Called and was told that if I do it online there're hard inquiries and that I have to do the pre-qualification by phone for no hard inquiry. . That's not what the website says !!! I was told they won't assist in getting the inquiries removed!! DON'T TRUST THEM!!

I received a letter from Autopay offering a lower interest rate (5.02%) for me to refinance my existing 5.9% loan. I spoke to two employees from Autoloan and they could not confirm the offer I received from the company nor were they able to even discuss any rates until they ran a credit check. A week later I literally chased down the person who was “Helping“ me (Paola) only to hear that the rate they were able to offer was at 7.9%. I have excellent credit and the hard check they conducted only brought my credit score down a few points. Unfortunately this looks like false advertising at its best. Paola talked down to me when I asked why I received an offer for a better loan from them. Paola’s answer made me feel like I was unable to read and comprehend the letter.

BEWARE!! I received a letter from Autopay indicating I had been "...'pre-qualifed' to refinance your current auto loan with a new lower rate of 5.75% and a lower payment than you are paying now" for my vehicle I had recently purchased - based on my excellent credit. Of course, I was interested and wanted to "save $139 a month". I even has a specialized unique log on code. All I had to do was logon, review my refinance offer then click Apply Now button. Sounded easy enough. After all, "there are no obligations or hidden fees and it's FREE to apply." So I applied. I soon got a call from a service rep. But I was a little surprised NONE of my information was available to her (yet I was pre-qualifed and even had my monthly payment and potential savings listed! I gave her all the vehicle information and she said someone would be in touch with me.