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.
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Soooo Disappointed! Misleading and false advertising! I have an excellent credit score. Advertising implied Autopay would substantially lower my interest rate. However, they lowered my rate only a small amount and wanted to charge a fee to do it. Not only was the interest rate difference not worth pursuing, there was never a mention of a fee! Watch out for these people!
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.
After being told I could get a better interest rate and lower payment, they told me I could do that if I gave them a down payment. I could have gotten a lower payment when I bought the car if I put more down. That is just basic finance info, put more down, get lower payment. Not helpful!
I worked with Paxton he cut my interest in half made everything simple smooth and efficient and even greatly helped deal with my old loan provider
Not only did it take 2 weeks to get me an offer but the person handling my information kept pushing a warranty, already have one. Have an 810 credit score and a paid off house. Supposedly my offer was going to be 2% lower and about $100 cheaper, all good. The final offer was for 1.4% cheaper but somehow my payment went from mine at $449 to theirs at $446, and I had paid my original loan down $3k in the 3 months since buying the truck. My loan calculator showed me with the numbers being offered it should have been ~$410. Definitely felt like a bait and switch. Decided to write this after receiving another letter with similar misleading information.
Don’t know why but auto pay is playing games with me. It says online that they found a new person to finance my car but when I call them, they tell me if there is nobody and my application is very old but the first person that I talk to seen my app from September but tells me that nobody wants to refinance for me, but they can’t explain why it says online that they’re just waiting for the current financer to send over information. I think they’re a joke. Will not let me speak with any management and cannot explain to me what’s going on.
I almost refinanced my auto loan through this company. You may want to look into going with a direct lender instead of a third party who would have charged me a fee for their service. I didn't know about it until I found it in the paperwork. He didn't even tell me about it. I felt pressured to sign and send in everything ASAP without having a chance to review all the paperwork. It seemed like he would get a commission for selling me extras like GAP insurance or extended warranties. Read everything in detail before signing anything. The rate he found me wasn't even the best rate available by the credit union, something I discovered after I went to their website and searched directly.
I had a wonderful experience with the entire loan process. My agent, Robert Olson, was super responsive & thorough. Robert did an excellent job keeping me updated & explaining every step of the process. I would recommend Autopay to anyone looking to save money!
Horrible customer service...received a letter saying I pre-qualified but when I tried to refinance they couldn't do anything...I'd say false advertising
Z całego multum potwierdzeń z aplikacji banku uwagę mą przykuł przelew na 4 PLN w dniu 26.09.2024. Wszystko byłoby ok, bo korzystałem z ich usług wcześniej, 2 lata temu kiedy zdarzyło mi się jechać płatną autostradą. Problem w tym, że obecnie od dni 7 jestem na urlopie za granicą, a auto grzecznie stoi tam gdzie stało (w garażu). Według firmy i aplikacji autopay tak jednak nie jest, bo jak się okazuje jeżdżę po galeriach handlowych(?) we Wrocławiu i parkuję na płatnych parkingach??? Z ciekawości jak i złości zajrzałem do historii transakcji i jak się okazuje regularnie mój 20+ letni samochód autonomicznie porusza się po mieście parkując w różnych płatnych miejscach ściągając regularnie pieniądze z mojej karty. Zadziwiające, że w Polsce takie działanie jest legalne? Nie wiem co dziwi bardziej, kradzież środków z konta czy fakt, że moja skoda z 2000 roku potrafi sama się uruchomić i bez kierowcy zrobić kurs na 20 km po mieście, żeby zaparkować w przeludnionej galerii handlowej? Transakcji naliczyłem ok 34 na kwotę ponad 1200 PLN :) No cóż, jest to już kwota, którą pozwala na działania prawne - pozdrawiam :)
Beware of the Deception where they offer you an approved loan and then they blast your application around and you get hit with a bunch of inquiries. This will be a legal matter. Interestingly you will find a dozen or so complaints about the same abuse
I was worried this company would be a scam but I researched it first & it all seemed good. I went with AutoPay primarily due to the customer service agent who worked with me. Cristina A was professional, communicative, and never high pressured. I appreciated her approach & it was obviously effective as I did get matched to a company (small but well established credit union) for my car refi loan.
Bait and Switch all the way.. DO NOT under any circumstances do business with this company!! They will send you a letter saying one thing and then, after a hard credit check regardless of how good your score is tell you something completely different. The rate on my letter was 6%, the rate they quoted me was 13%. Shady as they come. Just fishing for suckers and don't care how they do it.
I provided all relevant information to Autopay for a used car purchase. Two days later I called to inquire why I hadn't heard anything. The operator told me they were waiting on me to provide the car VIN. No one told me this previously. She apologized and then said that Autopay was 'really slow' about follow-up! I emailed the VIN and a few hours later was told there are no lenders in my state. I added a star to my review because the operator was friendly and communicative.
I didn't even apply to them. Credit Karma tricked me and next thing I know, they pulled my credit. Their rep called and they have the craziest APR I have ever heard, I have over 800 credit score. This company is a scam. STAY AWAY FROM THEM!!
Poprosiłem o wygenerowanie zestawień moich płatności na rzecz konkretnego odbiorcy. Po 2 tygodniach nie mogę liczyć nawet na odpowiedź typu "spadaj Pan nie pomożemy" mimo że obiecali to załatwić. Zmarnowałem kilka godzin żeby przyspieszyć im pracę i samemu przelew po przelewie (z okresu 3lat) wyciągałem ID transakcji tak żeby zostawić im tylko jedno zadanie - potwierdzenie czy dana transakcja była wykonana na rzecz kontentego odbiorcy. Kolejne dni mijają, obsługa ma mnie w dupie, a sprawa w sądzie do której to potrzebuję już za kilka dni. Bardzo dziękuje za fachową pomoc support Autopay i prawdopodobnie udupienie mnie w sądzie. Zobaczę gdziekolwiek wasze bramki płatnicze od razu zaniecham korzystania z takiej strony.
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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