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.
It was a pleasure working with Kyra Messer on my auto loan refinance. She was very responsive and kept me up to date on every step of the process. She made it very simple to do, and I will be saving a lot of money each month! I highly recommend Autopay and Kyra for your refinance needs.
Claudia was excellent with her professionalism stayed on top of everything explained everything with details and was available whenever I had a concern. Excellent customer service care...
Delish Polnau was a joy to work with. She had a great attitude, quickly responded to my text messages or phone calls. This was a very easy process. Thank you for your help! Sincerely, Christy Daughdrill
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.
Great company use then the experience is awesome!!!!
It good and fast
Fast friendly service have already recommended to several friends. Matthew was very kind and sincere and answered any and all questions in a speedy manner.
Very easy to work with! And did exactly what they said they do.
Too me some time to get things done as I get busy through out the days sometimes, they were patient and informative through texting and calling at the beginning and am satisfied with setup services, even through the time I was ill and down for a week and want bothered till week later with reminding me about finishing application process.
AutoPay has done an outstanding job of finding me the best rates to refinance my car loan. I am saving almost $200 per month. Easy, quick, painless process. Highly recommend. Mike Rodgers is an outstanding loan rep.
Jason was absolutely amazing! It was such a please working with him. He has helped me out a great deal! I will definitely pass his number and name to anyone I know looking to refinance!
Samad kept me on track and on time with everything and was very helpful!!
Brittany was great to work with. Professional, friendly, punctual, and went above and beyond to get the best rates and overall loan terms specifically for me. Her caring nature clearly showed through her communication throughout the entire refinancing process. Highly recommend!
I decided to refinance my car and kept getting these AutoPay mailers in the mail. I went to my credit karma app and it suggested AutoPay to use to refinance my car so I did it. I was very pleased with my rep. He kept me informed through the entire process and kept me up to date as things happened. Would highly suggest using AutoPay for your needs!
I worked directly with Kevin Barrett. He was VERY transparent and forthcoming about the process. He did not rush me along while he was awaiting documents or waiting on us to move to the next step. We talked about the differences between my current loan and their auto loan without preying on me to try to sign me up with something I didn’t need. He provided me with enough information and data to make a solid decision and when I asked for clarification he sought out the answers. He did not pressure me, he did not try selling me something I didn’t need, he made sure to respect the fact that I worked full time and our texts may have had wide gaps with my response time. I had the best experience because of his calm nature, he was well trained with how to handle objections without being pushy and not overselling stuff that I didn’t need. Kevin is a great asset to this company and he honestly deserves to be promoted. Please honor him and his contributions because he is truly a gem and you all are lucky to have him. Pay him what he is worth, please.
The experience was great, Todd was excellent and explained everything to me. The whole process was fast and easy.
They got my interest cut in half! Without extending the length of the loan. I'm saving $90 a month thanks to this company. Highly recommend!
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.
