AUTOPAY is a financial services company specializing in auto loan refinancing and related financing solutions. The company streamlines the lending process by providing an online platform that connects consumers with a diverse network of lenders. AUTOPAY’s services include auto loan refinancing, new car loans, and lease buyouts, catering to individuals looking to save on their auto financing costs. Targeting a wide range of customers, AUTOPAY aims to simplify the auto loan experience by offering competitive rates and a user-friendly application process. Whether customers are refinancing an existing loan or financing a new vehicle purchase, AUTOPAY assists them in navigating their options and securing favorable terms tailored to their financial needs. With rates as low as 2.99%, the company is positioned to help consumers achieve significant savings on their auto loans.
Reviewers express a mix of experiences with AUTOPAY, highlighting both positive interactions and significant frustrations. Many customers appreciate the ease of the refinancing process and commend specific staff members, such as Ryan and Jessy, for their excellent communication and support.
However, a substantial number of complaints focus on issues related to credit impacts, misleading loan rates, and unprofessional practices. Consumers report feeling misled by advertised rates that were not honored, leading to higher-than-expected APRs. Additionally, there are serious concerns about unauthorized actions taken by the company, including account closures and poor payment processing. Overall, while some individuals have had great experiences, the negative feedback regarding credit handling and transparency significantly overshadows the positives.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.2 | 618 | 100% | +0.4 | ● Low |
Monthly average rating from reviews written by people · latest review Jul 2025.
| Month | Average | Reviews |
|---|---|---|
| Aug 24 | 1.8 | 6 |
| Sep 24 | 1.3 | 3 |
| Oct 24 | 1.8 | 5 |
| Nov 24 | 3.0 | 2 |
| Dec 24 | 2.0 | 9 |
| Jan 25 | 1.0 | 6 |
| Feb 25 | 1.0 | 3 |
| Mar 25 | 1.0 | 8 |
| Apr 25 | 1.7 | 6 |
| May 25 | 1.0 | 7 |
| Jun 25 | 5.0 | 1 |
| Jul 25 | 2.0 | 4 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 500 most recent reviews.
“Fast and easy”
“My goal was to refinance my car for a lower rate and lower payment”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.
| Company | Overall | Legit | Service | Website & app | Value | Trend | Reviews |
|---|---|---|---|---|---|---|---|
 | 4.2 out of 5 (good) | 100 out of 100 | 4.4 out of 5 (good) | 2.1 out of 5 (poor) | 2.5 out of 5 (poor) | −19% | 618 |
| 4.3 out of 5 (good) | 100 out of 100 | 4.2 out of 5 (good) | 3.3 out of 5 (fair) | 1.6 out of 5 (poor) | +39% | 1,000 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 4.8 out of 5 (good) | 3.5 out of 5 (good) | — | 1,000 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | — | — | — | 27 | |
| 4.7 out of 5 (good) | 100 out of 100 | — | — | — | — | 25 |
Bottom line: AUTOPAY is #5 of 5 on overall rating in this group. On website & app, Oodle Car Finance scores higher (4.8 vs 2.1).
618 reviews of AUTOPAY. Filter by what matters to you.
Over a year ago
Płatność automatyczna nie działa, zero informacji, że płatność się nie udała.. gdyby nie przypomnienie od usługodawcy byłby problem.
Over a year ago
DO NOT USE THIS COMPANY! THEY WILL PUT A HARD DING ON YOUR CREDITAND THEN YOU WONT EVEN FROM A SINGLE PERSON. ALL THEY WANT IS YOUR PERSONAL INFORMATION.
Over a year ago
Ryan was excellent throughout the entire process and provided excellent communication skills; keeping me updated throughout each step of the process. Thank you again for going above and beyond!
Quick answers to the questions people ask most.
AUTOPAY is a business service that helps companies automate their payment processes. We provide solutions for recurring billing, invoice management, and payment processing to streamline your business operations.
Our customer service team is available Monday through Friday from 8:00 AM to 6:00 PM EST. For urgent technical support, we offer extended hours and emergency contact options.
You can reach our support team by phone, email, or through our online chat system. Contact information is available on our website, and we typically respond to inquiries within one business day.
AUTOPAY serves businesses of all sizes, from small startups to large enterprises. Our solutions are particularly beneficial for subscription-based businesses, service providers, and companies with recurring billing needs.
Yes, we use industry-standard encryption and security protocols to protect all financial data. We are compliant with relevant financial regulations and undergo regular security audits to ensure data protection.
Setup time varies depending on your business needs and complexity of integration. Most standard implementations can be completed within 1-2 weeks, while more complex customizations may take longer.
We support various payment methods including credit cards, debit cards, ACH transfers, and bank transfers. The specific options available may depend on your business type and location.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Płatność automatyczna nie działa, zero informacji, że płatność się nie udała.. gdyby nie przypomnienie od usługodawcy byłby problem.
DO NOT USE THIS COMPANY! THEY WILL PUT A HARD DING ON YOUR CREDITAND THEN YOU WONT EVEN FROM A SINGLE PERSON. ALL THEY WANT IS YOUR PERSONAL INFORMATION.
The most egregious thing they did was start the process of putting the new lender as the lien holder for my vehicle with my insurance company and the DMV, without me having signed ANY loan paperwork. As part of the process, I did sign a limited power of attorney specifically for this, so once the loan terms were agreed upon and I signed the loan documents, they could easily make those changes. That said, I haven't even seen any of the loan documents, let alone signed ANYTHING. What they are doing is flat-out illegal. When I got the alert that this had been changed on my insurance policy, I immediately contacted the loan specialist I have been working with, and surprise, surprise, I haven't heard back from her. The second issue I had was basically a bait & switch. I had a pre-approval offer of an interest rate that was over 3% lower than my current rate. My goal was to refinance my car for a lower rate and lower payment. The interest rate they came back with wasn't even 1% lower than what I already have, so to get the lower payment, they extended the term of my loan by 10 months. And good luck getting a hold of their escalation department, you can't even leave a message. Thankfully, I have not signed any loan agreements as this company is SHADY AF. I wish I had read these reviews before I started the refi process. I trusted that CreditKarma would vet their partners beforehand, sadly, I guess if you pay enough to be listed on their site, they don't care.
Ryan was excellent throughout the entire process and provided excellent communication skills; keeping me updated throughout each step of the process. Thank you again for going above and beyond!
Firma Autopay zrealizowała dyspozycję zamknięcia konta zgłoszoną przez podmiot trzeci, nie przedstawiając przy tym uzasadnionych powodów ani podstawy prawnej takiego działania. Dodatkowo proces ponownego przywrócenia dostępu do konta był niepotrzebnie utrudniany przez działania ze strony Autopay.
Too many BAD REVIEWS to even consider. Thank YOU ALL for the feedback. How the Hell does this place have a BBB rating of A+?
Płatności realizowane są w czasie nieskończonym... a ich odpowiedzialność za spóźnienia żadna. Kolejna nieudolna platforma płatnicza.
This is a scam. I have a perfect credit score and was offered a much lower rate than what I am currently paying now. After application approval, I was told that I would not be getting the rate or monthly payment I was offered via mail, because of where I lived. (offer came in the mail to my home address so they knew exactly where I lived). This was a complete waste of time and my credit score took on a "hard inquiry hit" from applying, only to be lied to. (I want to add that I have an immaculate credit score with no negative history at all.)
Used AutoPay, my agent Marvin Edwards told me that the refinance comes with a service contract. didn't mention that it would be an additonal 3K on my loan. My fault I blindly signed the contracts but he def mislead me. My new lower rate got me a higher monthly payment than what I was before. On the loan docs the monthly payment was lower, but when the bank reached out it was over 60$ more. In the end, I told Marvin my goal was to reduce monthly payment so I can pay off my vehicle faster. End result was a higher monthly payment, with a larger loan balance. Make it make sense.. Do not use!
Autopay was aware they will not approve the interest rate they offered on CreditKarma but insisted on pulling my credit that led to a refi offer of 8.08%. My credit score is above average, the only conclusion I can come to is for non-white applicants, they do not offer real solutions, they are practicing discriminatory lending.
Pushed me for the app although i said they had terrible reviews and so did the credit union. Said not to base on reviews they can get me the 4.99% interest rate on my refinance. Took the hard hit on my credit and then they said my excellent credit score I had was less when they ran it. Well no crap after a hard hit. Offered me an interest rate .25% lower than current one. Waste of time and took a hard hit on my excellent credit score. Full of crap really in my opinion. Said I’m good not going forward.
This seems like a scam, I found this company through the Experian app. I wanted to see if I could get better options for my existing car loan. I filled out all the info and never heard anything from anyone. On top of that as soon as I filled out the form my phone was blown up with scam calls. They hit my credit, sold my number, and never gave me any info. This is most likely a scam company and now my info has been sold. DO NOT USE THIS AUTOPAY.
Extremely unprofessional. They like to shot gun your information to several lenders at a time and have them separately pull credit . Ghetto Ghetto Ghetto
Great experience working Julian - he was extremely helpful and more than willing to do some extra work to ensure I felt satisfied with my loan.
Oszuści współpracują z wyludzaczami oszustami i nieuczciwymi sklepami. Kasę wzięli wysłali komuś to nie ich sprawa proszę na policję. Pójdę jutro po robocie i wygrane wszystkiemu negatywne komentarze na tych złodzieju Unikać auto pay
They advertise 4.85% for a used car loan with exceptional credit. I currently purchased a used car and received a 6.79% APR from the dealership. Saw the 4.85% and applied. My current FICO score on Experian is 848 out of 850. They came back with a 11+% APR and said it was due to the hard credit check.... WHAT, I have a near perfect credit score. This company is falsely advertising and deceiving customers. Read other reviews. They should be shut down for deceptive practices.
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 as the due date was 2 days after funding and one to the old company to cover the shortage. The new company also refused to accept my legal, valid drivers license as proof of identification because I moved to a different state. 100% would not recommend using this company!
They claim that they are a broker to refinance or finance an auto loan. They are not even licensed in all states and are an absolute scam; they come back with rates 3-5 times higher than what you are already paying and expect at least 1/3 down on the value of the vehicle. They run your credit 7-9 times, causing multiple hits.
They advertise on Credit Karma for refinance with great loan rates. Basically the best loan rates going. Then do a hard pull and come back with a higher rate....usually higher than you are already paying. I have heard this from other reviewers, now I am adding myself to the list. Offered 7.....after hard pull offered 16.5% currently at 11.5%. What a scam!
Yes, AUTOPAY offers integration capabilities with many popular accounting and business management software platforms. Our technical team can help determine compatibility and assist with the integration process.
AUTOPAY includes automated retry logic and failure notifications to help minimize failed payments. You can configure custom retry schedules and notification settings based on your business preferences.
Yes, we provide comprehensive training resources including online tutorials, documentation, and live training sessions. Our support team is also available to help you get started and answer any questions.
Yes, you can modify or cancel your service according to the terms of your service agreement. Contact our customer service team to discuss changes to your account or cancellation procedures.
AUTOPAY provides detailed reporting on payment processing, success rates, and financial metrics. You can generate custom reports and access real-time dashboards to monitor your payment operations.
AUTOPAY is a financial services company specializing in auto loan refinancing and related financing solutions. The company streamlines the lending process by providing an online platform that connects consumers with a diverse network of lenders. AUTOPAY’s services include auto loan refinancing, new car loans, and lease buyouts, catering to individuals looking to save on their auto financing costs. Targeting a wide range of customers, AUTOPAY aims to simplify the auto loan experience by offering competitive rates and a user-friendly application process. Whether customers are refinancing an existing loan or financing a new vehicle purchase, AUTOPAY assists them in navigating their options and securing favorable terms tailored to their financial needs. With rates as low as 2.99%, the company is positioned to help consumers achieve significant savings on their auto loans.
This profile hasn't been claimed by the business owner.
