I applied to refinance my auto loan. Little did I know that they would out source my application to at least 10 companies who in turn ran my credit and brought my credit score down 50+ points with ALL 3 credit bureaus. I received a message from Andrew Griffiths that I was approved and who I have been trying to get ahold of for 3 days who is NOT RETURNING MY CALLS! I had to place a freeze on my credit to stop this madness. They are a sham and just give you the run around!!! NO ONE RETURNS CALLS AFTER SAYING THAT YOU ARE APPROVED! read more

No no no no no no DO NOT USE THEM TO HELP REFINANCE YOUR VEHICLE!! I had a representative to contact me to tell me my application was approved then didn't return my phone call. I finally just called him back. He then went to explain how busy he's been blah blah blah but my credit with Experian showed a repo from 2017 that i never knew I had but because of the repo he couldn't get me approved for the refinance with over 100 plus institutions. All of a sudden he found one, First Investors Financial Services Group Inc. OMG these fraudsters have so many complaints against them for over a decade now with the FTC for distorting consumer credit records and with the BBB for debt harassment, not applying overpayments to the principal balance etc. Anyhow, the rep told me in order for us to proceed i would have to purchase gap insurance (I do not need), get my car registered again because my registration expires in September, show proof of insurance that has a expiration date over 90 days (mind you mine automatically renews after 6 months), 3 months check stubs plus bank statements & my social security statements. What in the good Lords name is going on Im asking myself when I've never been late on my current loan & i was only shopping around for a better rate! I discontinued the phone conversation immediately & went about my merry way. Lesson learned!! Please find a different company to help with your refinancing needs. These people aren't it! read more

They told me I could save a bunch of money, pulled my credit and then called me back to tell me I needed to pay a down payment. This company is a scam, do not listen to a word they say. My rep who was handling my loan even quit halfway through the process. read more

In a word "scam". Received a letter from Auorpay saying I could lower my monthly payment significantly. Yeah....all you have to do is double the payoff period. Don't waste your time. Very unethical. read more

They took all the details for the application and at the end they said they can't provide the loan or estimates as they have very limited lenders in my Austin area read more

Please save yourself. This company specializes in extremely poor and unlawful business practices. Their loan specialist forced me to purchase Gap for my Car Guru truck loan. Then hooked me up with an out of State lender that uses multiple business fronts to scam financial processes. Been waiting for 3 months to get refunded nearly $1000 Gap insurance I cancled tbe day after I got the loan. This insurance was 2x more than the standard rate for Gap, because it went into Autopays pocket. Now I cant get the refund and none of their business fronts have any clue, other than to point fingers at each other. Total Ass Clowns when it comes to business. read more

Did a hard credit pull WITHOUT authorization. I never even provided my SSN. This is fraudulent and I'll be taking legal action.

I wish I would have read the reviews before contacting this company. They don't tell you anything about themselves on their website. They don't tell you the rate of the loan, they don't say their inquiry will impact your credit and they don't say there is a $499 document fee to work with one of their lenders. I spoke with Mike and apparently he didn't like my questions or concerns because right afterwards I got an email from him saying they turned down my application. Uhhh....the same application you approved before I asked questions? Yeah, that one! Shady. Go somewhere else. I am. read more

DO NOT USE THIS COMPANY FOR YOUR AUTO LOAN OR REFINANCING. The rate was the best available at the time to buyout my leased vehicle, but the customer service is terrible. The people that work there are incrediably incompetent. They lied about the ability to pay and track the loan online. I was forced to either send a physical check every month, or give them my bank account info for ACH payments. Recently they withdrew a double payment for no reason and without explination. The frustration of this company highly out ways any value that the lower interest rate provides. Stay away. read more

I would give zero stars if I could. First, they sent me the wrong paperwork to get notarized so I had to go twice. Keep in mind, YOU have to pay out of pocket to get things notarized. Then, they send me texts randomly saying they need this or that. Like I needed updated check stubs because the one I sent was outdated by the time I had sent the new, correct notarized paperwork. So now they're saying my file is closed because it took too long and I can re-apply if I would like to. Absolute garbage company and complete waste of time. Find literally any other company to get your car refinanced. read more

This company is full of workers that don't valuer the older adults using hir system. They haven't a clue as to the residency laws and banking laws and how they were changed after 9/11 20 years ago. Their beliefs that all people live on the grid and have mail delivery service is unwavering. They dont understand the verification that is used by the 911 system and what it takez to apply an address to a property that is off grid for residency. They dont understand that not 100% of the population has mail delivery and uses a POBox and what that intails to qualify today and how the federal government uses the 911 system along with the county Verification of property occupation and development. Their employees are unwilling to learn this! Their employees believe that older applicants are obselete and not knowledgable or valuable. This company is not registered with the BBB and has a large number of complaints filed. read more

If you value your time and you value service RUN! I contacted autopay for an auto loan, did the application and they said that they needed more info and set up an appointment to call us at 630pm this evening. My wife even changed her evening appointments to accomodate this call. Autopay could not be bothered to call us when they are the ones that set up the apointment and we moved our evening around to be on that call with them. They showed us how little our time means to them! There is no way we would ever move forward with a company that thinks so little of potential customers! The service in getting a loan has been a NIGHTMARE and they have no clue what service is! RUN!!! ABSOLUTELY HORRIBLE! read more

What a joke of a place. Don't bother with them, 831 Fico and couldn't get a deal done. What they did accomplish was a hard inquiry on my credit report. Total waste of time. Stick with a local credit union. read more

I was disappointed my bank even referred me to this service. They are a lending broker, also go by "the savings group". They did knock $75/mo off my payment but at the expense of signing a loan worse than what I have now. 7 years and $22,000 later to "refinance" a car I'll own free and clear in less than 3 years. Plus losing my actual extended warranty I paid money for. Which was far less than the "service contract" they throw in that I didn't ask for. Promising I'll get a check for equity in my gap coverage, remaining extended warranty, etc if I sign. Glad I read thru it and didn't sign anything. Stay away from this, payoff your current loan you'll be further ahead. They prey on people who don't know any better. read more

Yadira Rivera-Reyes was very helpful. I have been working with a new lender for 2 weeks and Yadira was able to research and solve the issue the same day. Appreciate the customer service from Autopay. read more

I applied for a loan through a Credit Karma suggestion that I could save $30 a month on my car loan by refinancing with them. The process was easy up front but wouldn't tell me my rate, loan term or payment amounts without "speaking to me first due to privacy reasons". This is the ridiculous - i just refinanced my $200k HOUSE to a new mortgagee and not one single time did I have to speak to someone. I've got no desire to sit and listen to someone try to convince me why I need to take their loan. If you can't even provide me a rate (which incidentally why you couldn't release that due privacy reasons??? it's a rate- that has nothing to do with privacy????) so that I'm not wasting my time and can compare to my existing loan I can tell you that I don't want anything to do with his company. read more

This company doesn't even deserve one star. I was advised that a representative was going to call me and they never did. It took multiple calls on my end to get a hold of someone who then told me that they had me scheduled for someone to call me. Fast forward 2 weeks later and I'm told by the representative that she only takes phone calls once a day because she gets busy with other calls. Totally unacceptable way to conduct business. I went to my credit union and received better terms and treatment. I don't recommend wasting your time with this company. read more

Pre qualification letter received in mail is misleading. This company is a marketing company that is a third party. Communication is not consistent, I submitted for a refinance on a new vehicle and was denied, balance of vehicle was zero. Application cancelled, had to call them to question the cancelled email. Per rep, the person reviewing my application "hit wrong button. Autopay wanted to complete a new application, told them no to use the current one. A new application would allow them to run my credit again. Advise if you're wanting to refinance use a local bank or credit union. Won't use them again! read more

The worst. Don't trust them with anything. They waste time only to not get your approved. Wasted s month with them. Walked into my bank and was approved in 5 minutes. read more

They asked my husband and I to sign blank forms that they would fill in later. When we said we will not attest to everything being correct/true when there's nothing filled out, the loan officer said that he could have their title department fill it in before we sigh, but it would probably cost us the loan. So be it!!! read more

Andrew Phipher, loan consultant, called me after I clicked on a refinance opportunity referred to me by credit Karma. He sounded very nice and helpful at first and told me about the great rate they would be able to get me. He insisted on also including the gap insurance and extended warranty options. I told him I did not need these and declined. He said ok and told me he would have the loan agreement prepare based on what we had discussed and I was preapproved for after completing their online application. A couple days later he called me back to go over the loan agreement, which involved a DocuSign electronic signature process that must be completed while on the phone with the loan consultant. He used pressuring tactics to get me to start signing all the pages. Ignoring this I scrolled to the bottom of the agreement to fund there was a gap insurance fee and the great rate I was already approved for jumped up about 4 points adding thousands of dollars in interest over the life of the loan. The refinance loan would set me back to almost the original loan amount that I started with over 2 years ago. Would be a super lousy deal to sign off on even though he still insisted this was a great deal for me. Yea right... When I questioned him on this his cheery demeanor suddenly went sour. I simply asked why it changed and why the gap insurance was included. He would not provide an answer at first and eventually raised his voice telling me this is what the credit union provided. Someho I don't think the credit union added a gap insurance fee and other "misc" fees. When I told him I did not want the gap insurance he seemed upset and at that point I knew this company was not doing things upfront and honestly. Stay away from these guys. They do not have the customers interest in mind and will be sneaky adding extra fees which will most likely end up costing the customer more than what they were expecting to save by refinancing. Not worth it. Went with ILendingDirect and ended up with a better interest rate and no extra fees. Only few was the documentation fee, which will be in any loan you choose. Will save thousands and pay off my loan in less than half the time now. Hope this helps. read more

I made the mistake of checking on the low interest rate. Said no impact on my score. Liars. I have no problems with GMAC who my current loan is through wouldn't have wasted my time if I knew they would run an inquiry. Scammers glad I stopped before giving them more info. Got this email after I told them no stop the application We can cancel as you requested, but please know that at this time due to your information already being at the lender, they have conducted a hard credit inquiry. Please let us know if you would like to proceed by calling us and speaking to an agent with your decision at (844) 276-3272 and we can update your cancellation accordingly. Now my number is sold to every scammer for this review read more

Veronica was great to work with and she was quite personable. She was also quick, efficient, and demonstrated a high level of professionalism and expertise. She was able to resolve my issue within a few hours and advised me on the next steps I would need to take to receive a refund. Thanks again Veronica. Mrs. Cunningham read more

CONSUMER BEWARE...Check out their reviews on the BBB site. I tried doing business with them. Asked a ton of questions, which they answered only to being accused of trying to facilitate a straw purchase (I had to look it up) based on my findings they were completely out of line, misinformed and quite frankly I would chalk it up to discriminatory business practices! I now have a hard pull on my credit which I was trying to avoid unless I was sure I was going to do business with them. Upon filing my complaint with the better business bureau I discovered they had a 1.43 customer ranking (very poor). This business is shady, stay away, there are more reputable lenders/brokers out there. I will be letting NerdWallet know this business is not reputable (where I found their information) and I will be disputing the hard pulls on my credit report. I work too hard for my credit score to waste points on shady businesses. read more

Kelsey was great! She was prompt and very responsive. She explained all my options well.

I'm writing this review because this company, if it is even legitimate, is very inconsiderate! I received 2 separate text messages from Autopay, 1 at around 2am and the 2nd one at around 3am! What the hell are they doing texting me at such times in the middle of the night?! Both numbers were from a cell phone or text/mail number that I tried calling back. I just got a answering machine message saying that I had reached Autopay, etc. I have never even tried to apply for an auto refinance and yet their text messages state that they've received my refinance request and that my auto refinance is looking good... WTF?! This company is phishing for my personal info! Watch out people! Beware of possible scams! read more

Said they could help us took our title then said loan was denied. Never got our tiltle back. Said it was sent back we never received it. Very shady i wouldnt recommend to anyone read more

Autopay brokered my refinance and the representative that processed the paperwork was Matthew Waring. Matthew Waring, Loan Specialist, AUTOPAY, www.autopay.com,Direct: 720.372.4232, Fax: 888.990.9248, Text Message 720.358.4095. I paid off the refinance loan and never received the Title to my car. After months of going back and forth between the originator of the loan, Autopay, and the refinancing bank, I decided to stand in line at the DMV for 3 hours to find out who indeed is the lienholder for the car, so I can get a notarized letter releasing the lien on the car. To my surprise and dismay, I find out that AUTOPAY is the lienholder of the car, and they never even sent the Title to the refinancing bank (The bank I paid the remaining balance to). AUTOPAY is now ghosting me and by the looks of it from the DMV, has stolen my car. I am in contact with an attorney now, as I'm pursuing legal action against Autopay. read more

Autopay has been great in helping me refinance my car at a much better interest rate. Ashly and Miranda were especially responsive and helpful. read more

Do not recommend. Got notified I was approved, then once I sent a copy of all my information & documents including my ID front & back, registration, insurance, and other documents they said they could not accept me. Asked them to kindly delete everything I submitted and never heard back. Sketchy company, don't do it. read more

Initially, the rep I spoke with was very communicative. Gave me a good rate and added on GAP and warranty coverage. I responded and declined the additional coverages. At that point, the communication stopped altogether. I reached out again on the website and got a quick response. I was told that I would hear from someone soon....and never did. Whoever reads these things....I'm still interested in a refinance. If you don't want to work with me because I don't care to purchase GAP or extended warranties, can you just tell me? read more

I spoke with Summer in Customer Service and she was very professional, kind and informative. I used Autopay for a refinance and thus far have been impressed with the quality of customer service and prompt professional guidance. Thank you! read more

I had received a letter in the mail, stating I could save money by refinancing my car. I was excited to hear the details. Called and spoke with a gentleman there and passed all my personal information to him. He said he would be in contact with me either that same day or the following day. I have emailed him three or four times also left messages. Received emails back from other people saying they would pass the information along to him, still no call back or email from the guy handling my loan. This has been going on for three weeks. This makes me feel extremely uncomfortable after handing over all my personal information to have such terrible customer service. I understand it's the holidays, but some type of response is necessary. Would not recommend. read more

Zachary N. was the person who worked with me through the refinance process. They made the process pretty easy and straightforward. I used them to help find a bank to refinance my vehicle. They were able to find one that dropped my APR in half, didn't extend my payoff date, and is saving me about $80 a month. I am happy with the service from beginning to end and would suggest anyone give them a try. read more

If you have poor credit they will tell you they can get you a refi loan. Well they can with a substantial amount down and longer pay back terms. They were sending me texts telling me everything looked Great! and then turned around and told me they really couldn't help me. If you don't want a hard hit on your credit report then stay the hell away from them! read more

Carman Ragatz So freak'n awesome - very knowledgeable and fast responding!! Again fast responding!!! Customer so appreciate fast service! Thank you again.. read more

They where OK but super crazy interested payments. Only use as your last resort. Which there would have been some wiggle room, specially since i was told one rate and then had the bait and switch read more

Auto Pay at first was a little hectic and all over the place when I started working with one of the representative but when they switch me over to Summer Lim the experience was so much better. She was quick and clear with everything that needed to be done and responded to my emails throughly and quickly. Leaving my experience with Auto Pay great. Thank you again! read more

This company is a scam, stay away from them. I tried to get a quote from them for an auto loan refinance, and I told them explicitly that I do not consent to a hard credit pull. I did not sign any paperwork approving a hard credit pull. They still went ahead and did two hard inquiries on my credit report. They have also not gotten back to me yet with the auto loan refinance numbers and it has been close to two weeks. 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