I applied for a loan, they ran my credit, and I didn't hear back from them. I called a week later, and they said they need nearly $2000 to get me a loan with no further details. Very vague and unhelpful. They shouldn't pursue business they can not fulfill. I would never suggest their services to anyone. I don't even wish to give them one star but I had to. read more

So shady! They sent me a pre-approval letter to refinance my recent vehicle purchase, but when I went to the site they immediately did a hard pull on my credit before showing me any options. I emailed them pissed, and the responded, but said since I already applied they should continue, and I agreed at that point. This resulted in a few more hard pulls, and an "offer" which they wouldn't tell me about until I provided them with tax returns, etc. What a joke. I'm not trying to buy a damn house. I bought this car brand new 1 year ago with no proof of income, and these guys need tax returns? So, now I have a bunch of hard pulls, and no new loan. What a joke. read more

The fee you pay to get the loan done is high. They will also not let you look at the loan fees with out them being on the phone. I guess so they can try to convince you to do the loan. If you have good credit then this is not the place to get your auto loan. THEIR FEES ARE THE PROBLEM NOT THE RATE. Don't know if you have bad credit. I guess my point is it is not a good deal and the click bait they put on their adds is miss leading.... BE WARE. They are also just a broker... So the real lender will probably lower the fees. So try going directly to them. In other words they just take on a large fee to send you to lender that will pay them for the loan. Why not just go directly to that lender. read more

These past five days trying to work with this company and get answers was not a good experience! So many phone calls, leaving messages where you need to wait 24 hours for a reply. The receptionist telling me (when I asked to speak to a manager) that she would have to text them and it would be around 5 days to get them to respond. She even mentioned that she did not have access to managers either. Just too much crap with this company. Yes, they did offer a lower Interest rate but not enough to move forward. I read Yelp reviews here and followed everyone else's lead- I went to my own bank and got even a lower rate and shaved off 3 years of my car loan. Auto pay experience made this person run away as fast as possible'. read more

Recommended via credit karma. They advertise as an auto loan lender; they are not. They are a broker for lenders. They claim to soft pull your credit, this is not true. I immediately received alerts that a hard pull on my credit was initiated. Avoid at all costs. read more

Absolutely terrible experience with this company. It's nothing but a scam and a Ponzi scheme! Whitney Wrasse completely betrayed my trust. Despite repeatedly saying I only wanted the loan and the gap insurance, she tricked me into adding a $2.2k warranty. I feel completely deceived and taken advantage of. Avoid this place at all costs! read more

Very impressive. Solved the issue in minutes. I'm Happy to be your customer. Thank you so much Christina. read more

Signed and notarized loan docs. Handed over title. Switched lien holder on my insurance and two weeks later was told my loan was declined because it's a "commercial" vehicle even though the title clearly states otherwise. Total scam. Michael St Germain is the worst. read more

It's understandable why this company has 2 stars. A total disgrace. They send you a text message and e-mail, saying that you are approved. You never get to talk to a human. You have to leave a message for someone to call you back, who never does. They have plenty of time to text you though. Imagine waiting around all day for the person to call you to do the paperwork for a refinance. When you hear crickets, and text back the number, you get told, pretty much, "oh, never mind". What a waste of time, and an unnecessary inquiry on my credit report! read more

Incompetence I have been waiting for a payoff letter for 2 weeks got a supervisor involved that didn't help either. Still waiting!!!! I would not recommend this company to anyone read more

Awkward process, hidden fees. Could not get the advertised rates I was able to get directly from the banks, was 1% higher thru AutoPay.

I have a car loan for my new auto (Nov 2023). I paid the balance down quite a bit so was looking to refinance at a lower rate. My initial conversation with them told me that they could beat my present loan but to do that I would need to go through the app process and incur one hard credit pull. I agreed and the process was started. I got a call a day or so later from a loan agent assigned to my case - needed to confirm some info. I was busy at that time so asked them to call back. After over a week of me calling back with no response, I elevated to her manager who reassigned my case to another loan agent. They told me the first place that did the hard pull could not beat my rate so they were checking other options - and ding, another hard pull. This second person was very responsive, but the APR on the new rate (although technically the interest rate was lower) was higher than my present loan (due to additional fees to be charged of over $500)! I declined and re-locked my credit to avoid any additional dings. Bottom line, end result was 2 hard credit pulls with nothing to show for it. Had they inquired into my credit with a soft pull, they could have seen I am 835/850 and could have saved me a lot of time giving me some representative rates. Don't waste your time with this outfit. read more

Tried to refinance my vehicle for better rate and according to credit karma my chances were outstanding. Well ... decided to apply only to have application cancelled due to not enough information and on top of it all... end up with a hard inquiry. Definitely a total scam!! Stay away people!! read more

I recently applied to refinance my car with AUTOPAY and was given an offer that was more expensive than my current loan. I emailed my assigned loan specialist to tell them that I would not be accepting a more expensive loan, but I would be interested in hearing what other offers they had. They responded by sending me a screenshot (no greeting, no sign off, not even an explanation, just the screenshot) comparing the costs of my current loan to their offer, trying to showcase how their offer was a better deal. Problem was, the information they had listed on my current loan was inaccurate. I responded with a screenshot of my own, showing the actual differences between the two. The next business day, I get an email stating that they have stopped processing my application, but I can "re-apply with AUTOPAY at any time[!]" The absurdity of the entire situation is almost funny. Oh well, I'm going to do what I should have done in the first place and look into more local options. read more

Never even finished my application through them and already they have hit me with 2 different hard inquiries. Definitely not the way to start out trying to do business with people. Seems like to me they get what info they can then proceed to run you credit without your permission. Very shady indeed. read more

AUTOPAY list erroneous auto refinancing options on Credit Karma. AUTOPAY gives the appearance that they provide loans. I wa was given 3 payment options based on my desired monthly payment and total amount of interest for the loan. My application was approved. When contacted, I was informed that AUTOPAY is not a financial institution. What they list on Credit Karma is a sham. My worst business experience ever. read more

This company is such a scam. They advertise very low rates online with excellent credit. Then they deceive you into applying resulting in a hard pull on your credit when they said it would only be a soft pull. Finally, they provide wholly uncompetitive rates (nowhere near what is advertised online--and I have an 831 credit score). Oh, and the cherry on top is they tell you it will take one to two weeks to fund your loan through underwriting. Stay far away. I went through a local credit union, got 3 percentage points better in an identical loan for a new car and got through underwriting in under 48 hours. Don't waste your time with autopay. read more

Ran my credit twice and was about to do it a third time until I told him NO! they will run your credit score to the floor with numerous hard inquiries. Made it like they were working so hard to get me "the best contract" then texted me talking about the lender wants a down payment of $8200. Ummm no thank you!. I will continue on with my original lender. Don't waste your time. read more

Bait and switch. 100% dishonest. Do not even let them pull your credit! Half the interest on a $30000 loan and total pay off was only $1800 cheaper with a $100 per month increase. read more

70+ BBB complaints and 1 3 star average can't be wrong! (https://www.bbb.org/us/co/denver/profile/loans/autopay-0653-90381671) Heck, scroll back 1 year on Google Reviews so you can read real reviews. (Obviously, most of the 5 stars are fake given they're from accounts with 1-2 reviews.) Associates lied about running my credit, drug me on a wild goose chase for 3 weeks, and when I asked them to cease service, they ran my credit anyways. If you wanna work with people who can't check their own email, good luck. Hope you don't like your credit. read more

prior to running a formal application and performing a hard inquiry I was given an indicative quote, which was way off from their offer. I feel they pulled the famous bates and switch with me. I don't like applying many hard inquiries on my credit, but they were very deceivingduring my during my process read more

I received an item in the mail stating they could refi my auto loan at a better rate and save me money. After the ran the numbers they came up with a rate that was higher than the 3.2%. It was a joke and total mis-marketing and very deceptive. I would never recommend Autopay. Stay away!! I wished I had looked here before I used them. read more

Negative stars! There is only one because I wouldn't be able to post this without one star. This review is on behalf of someone who has an excellent (close to 850) credit score, but does not have Yelp. A mailing came with the promise of a great rate and payment reduction. After applying and giving personal information they basically disappeared. When finally getting in touch, the man said that his texts weren't going through. Why not call? Outrageous. After ghosting a potential worthy customer, a letter arrived stating he had been declined. This "company" is a scam with the worst (what the world would call) service. Stay away. read more

A bunch of crooks, they hide huge fee by rolling into monthly payment (over $4000 on $24000 loan). I wish I saw these reviews before applying with them. read more

I was told over a week ago I was approved and I reached out to the loan officer several times and never received a call back. I then reached out to customer service, am placed into a que, and then silence. I've also did the text messaging with customer service and have been told twice I'd get a call back that day and still no response. I haven't paid my current car note because if I'm refinancing with them, it didn't make sense to do it. But I'm going to have to pay my car note within the grace period to avoid a late fee. I was simply trying to get a lower car note and disappointed that my credit was dinged and I was told I was approved and no response. I believe this company may be a fraud. read more

APR advertised on multiple sites is not available. Company falsely advertises rates and terms that they do not have available to them. Waste of time and effort. Don't bother running your credit here. read more

This is a great example of a fraudulent business to say the least. I think that would start becoming obvious by the other reviews. Do your homework and stay away from this place. I wish I would have came here before giving them my information. They do not even refinance your loan, they provide your information and credit to other lenders, which is why others are reporting identity fraud and other types of criminal activity. They provide your information to as many lenders as possible to try and get a deal. However, they are fine with providing your information to individuals that are actually criminals. I also received an advertisement in the mail soliciting being able to save me $85.00 on my car payment through a better interest rate. It was a little fishy already because I already had a good interest rate. So long story short even though I was only interested in decreasing my interest rate the lenders contacting me can only raise my interest rate and stretch my loan out to get a better payment. My credit is also excellent. As I said this place is fraudulent to say the least. read more

Not being able to drive my vehicle for 5 weeks is because of Amanda and Veronica in the worst title department in the business. With over a year in time to get the title correctly filed with CA DMV, they waited until after the registration was expired to BEGIN correcting their errors. Extremely disappointed with their unethical behaviors while this company dragged their feet and then sat on their hands to resolve a problem they started. Completely ridiculous. read more

This is a gimmick, don't even apply. They advertise a lower rate and then once you apply they quote a rate much higher. then they say "There is a disclosure on there that the offer shown is a prequalification and the rates subject to change based off of other demographics. We do have the rate available, however there's many factors that go into the offer." read more

Yes I was denied due to the year. I have amazing credit. Company screwing my credit . They don't tell you upfront what the qualifications are. Btw it's a 2015 with about 100k miles. read more

They will do a credit inquiry without your approval and help you less in terms of refinancing. Don't bother with this company

I have to say it started with quite the bait and switch. Saying I qualified for x rate when in reality it was significantly higher than shown. Autopay did end up lowering my APR by more then 50%. Do I recommend this service? Yes. Should you be careful? YES, they are sales reps that you are to people. read more

I did refinance with AutoPay. My rate was better then the original rate that I had prior to refinancing so that's the only reason why there is 2 stars. Be careful!!!! First off the rate that they quoted me changed last minute. Went from 3.9 to 4.7 with no real explanation. But it was still better then the 7.9 percent I was paying. During your refinance they will try and sell you a bs warranty plan that has horrible reviews on bbb. You do t need it. They won't cover you. Second is gap insurance. They keep trying to add gap insurance. In the end the rate was better so I went forward but just be aware when your working them they are trying to sell you and up charge you whenever they can. Look over everything before you sign. A lot of people have had the same experience of rates going up. read more

Negative 5 stars, I am trying to find that button. This message is direct public message, to what looks like the boss. But he is not, trust me its not hard to find out who the boss is. But I will play this game. This a direct and open message to Curtis K, Not AutoPay its self. Cause you provide these fake responses back to these Yelp reviews. So i will bring this directly to you but not hide behind a text message or a phone call. Open public forum. When potential good customer, with good credit asks a simple question. Like please call me, I have questions about the process, fees and terms. A simple requested call back would be great. Endless text messaging over and over again, was not what was requested. I even provided a timeframe when to call. I am personally not used to getting a car loan and I am curious about the process etc. Plus in a rush like every current customer, Due to the fact interest rates are going up. With that being said, I called a loan company that you guys work with and was offered a quote, terms and answered my questions and they are sending me a loan. Within one day. But nobody on your team, called me and went over all the steps, process time frame etc. Which I can do within hours at worst. Plus your so called loan advisor, has now texted me again. Oh sorry I was on vacation. Was the wrong response. Still no e-mail with quotes, rates, fees. You do charge fees, its not a secret. Hint always be transparent with everything and also your fake teaser rate (2% to 6%). Is 1000% a flat out false advertising, inaccurate and not true. You will not get my signature or my business. I am clearly not important and will not give you my money. Its pointless to provide my loan specialist name, cause he is not at fault. The company, his managers and the people that pay his salary are the issues of bad service. Not the person. On to Instagram, Facebook, BBB and more. See when you make it direct to a person not a company, that clearly doesn't care. If anybody is reading this, watch this guy try to unpack this and ask me to call him. Curtis K, no matter the offer you can provide. Which cant be below 6%, I would rather pay more to somebody else. Simple basic communication matters. read more

They submitted my application and pulled my credit without my consent. This was only supposed to be a soft pull until they found a rate I was comfortable with pursuing then I got a notification that there was a hard inquiry on my credit report by a credit union that I had already told them I wasn't interested in! read more

Purchased a VEHICLE PAID IN FULL THAT I WAS UNABLE TO DRIVE FOR OVER TWO MONTHS. I would not do business with this company again. I purchased vehicle from CarGurus on 12/14 . Wired the funds in full . The lien had been released for several weeks before the title was requested from AutoPay. What was taking so long? I found this out after taking the time out of my day to go to the dmv in person to get to the bottom of things. I finally received the title 2/22. I had to pay a penalty for registering my vehicle more than 30 days after purchase. That I was not refunded. read more

Customer service reps were very friendly and professional but then it was shocking to be denied a loan for a meager $28000 when my credit score was over 830! You can't tell me that lenders would not want to work with someone so financially responsible! read more

This clearly is a Scam, they tell you that they will write you, and they will not and keep inquiring your credit without your approval, be careful. read more

The process to refinance was easy. The rep that I spoke with was very helpful at the beginning. After he got his sale from me I has follow up questions he stopped responding before the loan transfer was complete. Fast forward to 3 months later I haven't received my Title. I've call 2 separate times to find out where my tilte is and they keep telling me to call back in a few days. I finally had enough and asked for a supervisor and was told they dont transfer calls and there is no way for me to speak with a supervisor. I've never hear of a company that won't allow you to speak with someone higher up. I was considering refinancing another car through them but I've definitely changed my mind! read more

SCAM ALERT......I wished I had read the reviews before I dealt with this company. Please do not read the reviews on their website or credit karma. Exactly what Christopher H said below, they got me the same way. I had to lock my credit file... I will definitely file a complaint with the CFPB. "Company clearly outlined a process wherein they collect credit information from borrowers, contact the consumer with offers, and then upon selecting an offer, a hard inquiry is run on the borrower's credit. This is a lie: the company will jump straight to the hard inquiry, without first contacting the borrower about offers." read more