No. Though Autopay was initially easy to work with the experience quickly devolved to a cluster. Paperwork was lost and then I found out about 18 later that the warranty I purchased (a 4 year/48k mile warranty) was moved to a less reputable company at a 3 year/36k mile term. This was done because the car I purchased was previously declared a total loss by insurance, but not salvage by the state of Colorado (this is due to state law). I fought with the warranty company and Autopay and the response was "forget you". I cancelled the contract to cut my losses and got screwed again. There are other companies, do not use Autopay. read more

Update: I called the phone number that was provided in Autopay's response to my review. The lady on the phone said she would contact my loan officer and see what we can do, and that they would be back in touch. I doubt I will ever hear from them again. It's been about 10 days now. read more

THIS IS THE CLASSIC BAIT-N-SWITCH. Received a rate on-line saying CONGRATULATIONS, CUSTOMIZE YOUR DEAL. 2.83% apr with $0. down and a 54 month term. But when you call all they could offer was 4.2% apr. More like CONGRATULATIONS to them for reeling us in. That's a big difference. And of course they start pushing the Gap insurance and an extended warranty before we even agree to these terms. The icing on the cake is they said we were paying too much for the car by over $4000. Maybe instead of insulting their customers they should honor their commitments. read more

Not sure why there are so many bad reviews because my experience with this company was amazing. I refinanced my auto loan through Autopay and they helped me cut my payments in half and reduced my interest rate by 3%!! Not to mention my loan specialist, Christopher Gardner, amazing customer service. He was always available to answer any questions I had and made sure the process went as quickly and smooth as possible. I'm in the EST so you have to remember they are a couple of hours behind.I highly recommend this company to anyone looking to buy or refinance a vehicle. read more

This was the worst experience I've ever had. I receive a call back and it starts off polite and pleasant, until I start asking questions and I'm not sold on the BS that Christopher Pena was trying to sell me. It felt like harassment. Very unpleasant. Not to mention, I have this snot nosed kid who thought it was a good idea to be condescending while trying to make a sale. This generation has alot to learn about speaking to people with courtesy and respect. I will say this, by the time they would have been done with me, they would have tacked on more money, set me back 2 years and essentially, saved me little to nothing. They think consumers are idiots. All I know is if my personal info gets around, I will hold them responsible. I gave them too much info. Uncomfortable experience. Read the fine print. read more

Over all it went well and it was a fast and easy process. Now the process of getting what is owed will be longer to recieve. But very satisfied with everything. read more

It would have been nice to refinance my car and save 2k over 60 months. Unfortunately, Autopay has no clue as to customer services. I went through all their process and got to the point to upload my records, DL, Registration, Ins, etc.. Not a single file would upload. I then email them, and they told me to try it a different way. Which I did, again the same results. I once again replied to them via email, asking if I could just email them the Documents, but this went into the black hole. No Response. I sent one more email, again asking for help, and again no response. I think what they do is throw out the hook, snag the customer, get a cursory info on credit, Finance %, and decide if they can make enough money, if not, they shut you down. My Opinion. read more

Wanted to cancel my warranty and Summer was very helpful. She took care of it quickly and called me back when the call dropped. I got the email document right away and she signed the same day. Great customer service! read more

I used Autopay online portal to refinance my car loan following a lucrative advertisement on CreditKarma. They lured me into offering an APR of less than 5% and requested to upload all my documents, after which i received an email that they are working very hard to approve my application. They ran a hard inquiry on my credit report and advised me to upload all my documents on their shady portal, which i did ofcourse. What happens next is? The agent ghosted me for a week, didnt respond to my emails or calls, i started receiving horrendous amount of spam calls as well. Finally after sending a couple of email reminders, the agent decided to send me a text that they cannot offer me a better rate than my current one unless i bring a co-signer(which means another person's data). It seems to me that Autopay is not in a business of banking services but to sell of applicants data in the market. Stay away from them! read more

SCAM company! Don't waste your time or ding your credit by applying! I have excellent credit (Mid 800's). I was trying to refinance my car to get a lower payment since I paid down my original loan. The agent called and all she could say was my loan to value was too high and that the application was cancelled. Really how is that possible when I never told you how much of a loan I wanted? So you just wanted all of my personal data? DO NOT TRY TO GET A LOAN THROUGH THIS CROOKED COMPANY! read more

Although Anthony was nice the the lack of communication and explanation is why I decided not to continue my loan with this company. It seems that these " loan specialist" are very overwhelmed. It takes several days to hear anything back and when you do it's more of the lack of explanation. They tack on unnecessary fees and insurances that you really don't need and it will hike your loan amount up. On top of all of that when you finally do get ahold of someone they seem very rushed like they have other important things to do than talk to you. I do not recommend. read more

Here is a real review. I'm not sure what people are talking about. They took all my info. Kept telling me send paystubs after paystubs because it's over 30 days old when the paystubs I sent were the ones I just got. They ask for bank info to take the funds. They say they cannot process because my paystubs don't have year to date income when it does. Too much excuses and almost 4 weeks of waiting. So I canceled the whole process. read more

These guys are absolutely simpletons with which to deal. They work with lenders to refinance auto deals. Unfortunately I selected them to work with lenders to get a lower rate. First off the loan % I applied for "was no longer available", mind you I have a credit score over 750. So none the less I took a different option. Over the 20 days, they couldn't get the paperwork to apply for my title, they needed my wife's info(she's NOT on the loan), I sent them a copy of my Driver's license on July 9th, its Almost 3 weeks into the process and they are worried my license is going to expire. I told them I am worried about the Financial institution that doesn't prioritize me as a client and get this loan pushed thru in 3 weeks. That's who we need to worry about, not me. Then they asked me for my Bank account number, which I gave them, they proceeded to tell me its not a full account number. My Account, me, so I sent them a copy of a check to prove them wrong and now I can't get them to answer me one bit. DO NOT USE this company for Auto financing. Go work with a lender directly. These guys are simpletons at the very least, and ignorant at least. DO NOT USE them. read more

Not only did they get me a loan that smashed my old rate like an Idaho potato, but their customer service is on point. Nobody is prefect and my ride was a little bumpy in the middle, but I couldn't be more impressed by their quick friendly response! Strongly recommend. read more

Saw there ad on Creditkarma, which now I have to say I'm disappointed with them for showing Autopay. Creditkarma generally in my experience good recommendations. But this Autopay, like many other comments, just say away from them. Short history. I applied as it says it will do a soft inquiry to see if pre-approved. Well they did email me back later in the day to tell me I am not able to refinance a better rate, and now there is a hard inquiry on my credit score which already lowered it by a couple points. Not the biggest deal, but I have been very careful not to have any hard inquiries for the past 10 months. I didn't authorize a hard inquiry. Such BS. Stay away from Autopay. read more

Carman R. Was absolutely amazing! Honestly he made both my experiences great and was super helpful!

Service was quick, friendly, and professional. I would recommend Autopay to anyone looking to refinance with confidence. Each person I spoke with new about my loan, and answered questions immediately via phone, or email. I am thrilled to start 2021 with Autopay! read more

I kept getting notifications from Credit Karma that I could refinance and reduce my rate (I've had a 45 point jump in credit since first getting my car). I decided to give them a shot. I completed the online preapproval thing and heard from a loan specialist (Mike Nott) the next day. He called me 2 times, left a couple voicemails, and texted me within an hour or 2 (around noon). I was at work and don't use my phone for things outside school when I'm there. I called him back that evening and he told me he could reduce my interest rate to 6% (I'm currently paying 15%) which was a HUGE drop! I told him that I would like to see the loan offer in writing so that I could go over it before signing anything. The next day, I got an email with the numbers. I owe roughly 15,700 on my current loan. The loan i was "requesting" for refinancing was $18,927! I asked him WHY it was $4,200 more and he said because of an extended warranty that was added. The warranty was in the loan breakdown and listed as $1,400. I pointed that out and haven't heard a single word since. (This was a few days ago). It seems super scammy to me that they did all of this and can't tell me WHY there was such a high charge. If I did this refinancing, i would be $4,000 more in debt than I am now AND would end up paying roughly the same thing. I will just stick to my current high interest rate and remain loyal to the name I trust from my current financing company. BUYERS BEWARE! read more

Was pre-qualified for a reduction in my monthly car payment from 212 to 179 a month. Went through the application process and the company told me I had been approved and had a representative reach out. When I spoke on the phone with the rep I was informed that in fact the loan I had actually been approved for had an interest rate 2% higher than my current loan and the monthly payment would actually be 20$ more per month. The customer service experience was poor, the representative Sofia was cold and seemed unconcerned. The transparency at this company is atrocious and I feel like I had nothing but my time wasted and my credit harmed with this company. read more

Bait&Switch they mailed a flyer which said I was approved at 3% after doing a hard inquiry on my credit the offers came in it more than double that . I feel like a Fool's not reading the rest of the reviews here do yourself a favor and stay way clear of this company besides they're not even a real lender . Just a brokerage house for other lenders read more

Payton was great, he walked me through every step of the process, he helped get exactly what I wanted in a refinance, a lower monthly payment and even deferred my payment for 60 days. read more

I definitely recommend they made it easy n made my car payment lower!

Do NOT use Autopay. We were hoping for a smoothie car purchase through car gurus - it's been a nightmare! They suck you in then leave you to do ALL of the work! They received our car's title 2 months ago and still have not sent it to us. They will take your money and run! DO NOT USE THEM!! Research BBB on them as well! Even the VP Kevin Barry at autopay is not returning emails. read more

I received a prequalified letter saying they estimated they could cut my current loan in half, payment and interest rate. I figured they did say estimate but if they could come close to that I was interested. Well they did a hard credit check, with my approval (I'm still being positive at this point) and the salesman who got the file to work first told me they'd need $7k down. Now this is for a vehicle with 2 years left to pay on my current loan, I owe $16K and valued at $38,000. My credit is currently rated good by Experian as I just checked it myself. When I balked at the down payment the salesperson said let me try some other lenders. He called back saying he got rid of the down payment but my rate would be higher than I currently have. I said No thank you and ended the conversation! So I now have a credit pull on my credit for nothing! I should have checked here before!! read more

Great customer service. Robert help me out help me save on my refinance more than 300.

Received a message they have a lender and contract set up, never received a phone call to go over details and signing. My creditscore got hit 4-5 times and decreased by 10 points. Never again. read more

They screwed me big time!! I can't believe Credit Karma actually referred me to these crooks. I refinanced with them for lower monthly payments and lower interest... well I got both at a huge cost. I only owed $8,200 with Wells Fargo then I find out I owed them $10,600!! They tacked on a extended warranty WHICH HE LIED and told me it came along with the LOAN. Then there's hidden $400 fees and gap insurance fees which all in all added over $2000 to my payoff amount. I am very pissed off. If he would have been upfront about these fees and charges I would gladly declined but he straight up lied!!! I have not received even one email giving details bout my new "warranty". read more

Bait-n-switch company. Avoid at all costs

This company sent me multiple emails Claiming my application was reviewed and tnat they could save me $. A gentleman contacted me from a blacked number and was initially unclear he was from Autopay and told me he had no offers for me. Then when I called the number from the email, I spoke with a gentleman named Eric after being on hold for like 20 mins at which time he told me he had no clue what I was talking about. I told him I wanted all my information removed from their system so they would stop wasting my time and Eric just kept replying "ok" and being a smartass. I said "You're bot in customer service are you?" And his response was "I am a loan specialist." - not very bright now are we. Who are we lending too, monkeys? read more

Honestly I am surprised so many people have had so many problems with them because my process was so smooth! The person I worked with was Blaine Vajda, and he was great! Very thorough and wanted to double check everything before sending my information to the new bank so there wasn't any problems. My new loan was financed within a week. All around a smooth process! read more

Fantastic customer service. Yadira took care of my request within minutes. Her email to confirm my request was in my mailbox less than a minute after we hung up. read more

Total waste of time. Spent days talking to Kevin Barrett and he came back today and told me he found me a better rate of 5%...which was exactly the same as my current rate. What? And when I questioned him, he said "Well it was better than the 7%" That doesn't make any sense, my current rate isn't 7%. Thanks for pulling my credit for no reason I guess. I do not recommend trying to refinance through AutoPay, their employees (especially Kevin Barrett) clearly aren't well trained or very competent. read more

Yadira was a wonderful customer service representative and helped me with exactly what I needed. Quick, responsive, informative. This is what businesses need to look for when it comes to customer service help. Yadira, you did wonderful! Thank you for making my life so much easier. read more

I still never received my refund, I decided not to fight with them since their owner is a joke. I threaten a lawsuit and they stopped answering my phone calls and emails. DO NOT GET A CAR THROUGH THEM!!!! read more

Don't deal with this dodgy company. Got referred through credit karma but they were not professional at all. Online portal was broken where I submitted my info several times. When they didn't receive it I got a barrage of pushy text messages asking to send sensitive info via SMS (not secure) and finally an IT person emailed to help after I pushed back twice. This is in between daily calls asking for my information to hit their end of month quota Did the upload and didn't hear back for over a week, after which they were again rude via text message. You can find a better company with better service to refi your auto loans, I know I will. read more

I have just used Autopay to my refinance my car. I was at an extremely high interest rate that needed to be changed. Autopay was very help, communicative and diligent in making sure I got the best loan possible and all documentation completed and submitted to refinance my car very quickly. I am excited for this new finance journey and really appreciative of Nahin Guerrero and Alyssa Steveson guidance and help. read more

Veronica Salvatierra was very pleasant and professional and I really appreciate. Thank you

They will send you constant emails about refinancing your car and what you could be saving and then after you sign up and do all the paperwork they will tell you your vehicle doesn't qualify. Do not even think about trying auto pay if you care about your time. They're tactics are deceptive. read more

Avoid avoid avoid. I refinanced through Autopay. It has been over 1 year since I have been able to renew my auto registration due to their incompetence's. They have ZERO idea how registration works for vehicles outside of Colorado it seems. Now I am driving around with a vehicle that has expired for 6+ months. No one at the company answers phone calls or emails. Horrible, cannot believe this company is still in business. read more

I did a refinance in early September through AutoPay. The initial process was fine. I got a better rate through Auto Pay with Pen Fed Credit Union. More than a month Later, I was looking to trade in my car. I start the process but when the company buying my trade reaches out to PenFed, they don't have my Title so I can't trade it in yet. I go to my original finance company and was told they sent my title to Auto Pay on 9/29/2021, which is a month ago. I reach out to Auto Pay, they say they don't have my title. So where is the title? I don't understand why it would need to go to Auto Pay if they are merely a middle man. What if the title is lost? What's the process? I need the company I'm paying my car note to, to have my documents. It's incredibly troubling that it may take months for Pen Fed to get my title when I'm paying them not Auto Pay every month. I wish I would've stayed with my previous finance company. Also, don't think that Auto Pay is finding you a better ratE out of the kindness of their heart. They tack on some points that basically puts you back to where you started with your previous loan. You may regret this if you halfway through your loan already. read more