They were amazing and patient with me…
They were amazing and patient with me and walkednle thru every step of the way.. very helpful

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.
They were amazing and patient with me and walkednle thru every step of the way.. very helpful
This was an easy seamless process!
AutoPay got me out of my old high interest auto loan.
I had a very efficient, friendly experience working with Anthony at AutoPay! Would recommend them to anyone. I got exactly what I wanted & more. I asked for lower payment & a lower interest rate. Plus I got a 5 year warranty on top of that!
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.
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Unbelievable customer service! Answered all my questions and address my concerns in a timely manner. Highly recommend this financial institution.
Natalie was amazing so kind so professional so knowledgeable I have tried this process for over a year . She was gracious and helpful through the whole process
Chelsea was AMAZING to work with and made this the easiest process ever!! She was beyond professional, but also down to earth and makes you feel valued. I’d definitely suggest Autopay to anyone!! 😁
I had an amazing experience refinancing my autoloan through autopay. My representative was Chelsea and she was so nice and helpful throughout the whole process. I would definitely recommend autopay when trying to refinance your loan.
Such an easy process and saved me so much money. Samad was very knowledgeable and answered all my questions. So happy with the end result.
As with other reviews, Cheyanne was wonderful - quick, responsive and professional. I was able to cut my interest rate I half and couldn’t be more surprised at how easy it was. I highly recommend!!!
Autopay made my refinance experience very pleasant!! They were helpful and knowledgeable. This was easier than when I first bought my car! I would definitely recommend people to use Autopay!!
Var uppmärksam på att företaget tar betalt för aviseringar. 20:- för att få en påminnelse om att kortet är på väg att gå ut. 10:- för ett kvitto. Så jag plockade bort mitt kort helt. (Men fick se att det var ”valbart” men såklart är ju alla förifyllda på att man vill betala för påminnelsen
I received a better deal with a warranty. I am satisfied.
Never refinanced before and Michael made the process crystal clear throughout. Looking forward to owning this vehicle outright and grateful for AutoPay's help in getting me a huge leap closer to that day!
Mason was very helpful and kept me in the know every step of the way. He made the process very simple and easy. He always made himself available night and day to make sure any questions or concerns I had didn’t go unanswered. He even lined up a notary when I was unable to go to one and had her send it in for me saving me another potentially huge inconvenience. He also got ahold of me when the process was done even though there was a automatic reply sent out to make sure I was thanked with a personal reply along with assured help from him on anything in the future. Mason was great, he is a credit to your company.
To have my car refinance it was a very quick process I was now to get my car refinance pretty fast at a reasonable price.
Thank you for working with me & getting me the best deal possible your team is amazing!
Aaron was very helpful he kept me with all the updates and if I needed something I could text him and he would get back to me
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.
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