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.
Time Waste. Click on the little button that says Get Rate and instead you get a 15 min process of giving your info, incl social and never getting anything concrete. You also get blasted by texts, calls and emails. They represent x amount of lenders, and say something like: 'We have to send in all of your documents (incl paystub, even with excellent credit) for our underwriters to review, only then can we give you an actual rate you qualify for"
Took two hits on my credit for the worst approval for vehicle financing. I do not have a low score either and on time for all my bills. Mentioned my debt to income ratio which then she should not even done a hard inquiry. Loan specialist what a joke. Dealing with Amber sends you text like a child hey this hey that ya this ya that a lack of respect for the customer, very unprofessional. Should have read the reviews first.
Wasted time and effort. I was approved, but they needed this. And then that. But I'm definitely approved. Also paystubs. Actually a W2 as well. Almost ready. Here's a list of other things. A hard inquiry. They have the approval. They just need references. A wet signature. A note from my dentist. Unfortunately they can't get it funded. Has nothing to do with my great credit or great income. Just a detail the agent missed. The good news is that they can look for another lender after only a few more hard inquiries.
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.
They will not have a refi loan for you anywhere near their advertised rate. They may not even have a loan for you in your area. But they Will want a hard inquiry on your credit report, even if you've been “pre approved” with the advertised ratr. You're better off staying away and just keep what you have, and avoid the hard inquiries.
Most awful ever for me. I wish I could give 0 stars. People who are calling you have no decency and also give you wrong information. They asked me all the information and pulled my credit and could not give me any rate options because car does not have registration yet which they knew from beginning. They keep calling me about my VIN and mileage even though I gave them over the call. If you respect your time please dont use their services.
Hi, There should be an option to give zero star. Be careful about this BROKER. Better go ahead with legit sources. Autopay agent collected all information, I clearly mentioned my interest of refinance and promised me interest rate in higher 4’s below 5 and ran hard enquiry on credit. When another agent called me, he mentioned rate below 5 is highly impossible in this market, there are other factors to comsider and all. If you are agent and you have all my information in front of you and i knew my credit was good then you would have told me before hand that we can’t promise below 5 interest rate. This company is big scam. Careful with agent :Merethah polk She doesn’t know anything about loan and all.
Mailer from Autopay promised me a 5.1% refinance rate, down from 6.49%. Went through entire application process, hard credit pull, everything looked good. Received a call from a rep who told me I had excellent credit, but 5.1% wasn't available in my area. Best he could do was 6.25% on a shorter-term loan that would dramatically increased my monthly payments.
Mam zalozona w autopay apke na przejazd samochodow firmowych po autostradach A2-A4. Od 3 lat co roku w styczniu pobierana jest oplata z konta ponad 300zl. ( kazdy samochod ponad 100zl ). Place za kazdy przejazd a i tak co roku pobieraja kwote nie wiadomo za co. Pisanie maili bez odpowiedzi. Nie da rady uzyskac w tej firmie informacji. Telefon to automat a mail bez odpowiedzi od 2 lat. Napisalem kilka. Czas skonczyc z ta firma bo to jacys zlodzieje. Koszty nie wiadomo za co! Za 3 lata pobrali mi ponad 1000zl
They said I was approved, forget to submit paperwork to lender on time, then loan was cancelled They did call me back as promised below to say they were no busy to process my loan over holidays. Don't waste hours on the phone with these people for nothing.
2nd Update: No one has reached back out since my initial review. Dishonest company with dishonest practices looking to scam money out of you with false promises. STAY AWAY! Update: After posting this review they reached out. They promised to have the rep I worked with's supervisor call me. It's been a few weeks and crickets. My review still stands, STAY AWAY!!! Refinanced with them in '21. They got me a really good rate @ 2.9% but lied about the extended warranty. I wasn't going to get it because I would exceed the milage within a year or 2 tops because I drive a lot for work. They promised that if I didn't use it I would get a full refund. Well I reached back out when I reached the mileage and the refund dept. refused to issue the refund and the rep that I went through, who still works there, refuses to return any calls, text messages, or emails. I can't get a supervisor to return a call either.
I received a pre-approval letter saying they can save me $163 a month and get about a .75% rate reduction. Sure, the letter is not a guarantee but I have excellent credit, high income, and they already knew all the details of my existing loan and car. I went through their rather lengthy application and document request list. They pulled my credit even though the website said it would be pulled during the application process! Rather than be straight forward and upfront about the rate, they kept calling me and emailing me to provide them with additional information. Finally, I got to the end of the process and found out they would not be able to give me the rate listed in the letter and I was told they could only offer me a HIGHER rate than I currently have! The only reasoning was due to vehicle history and nothing changed with my vehicle between them sending the letter and me applying. I feel that their marketing practices are extremely deceptive and they never intended to give me the promised rate. Now they have all my information. These guys need to be investigated and shut down!!
FALSE ADVERTISER. Offered a sub 5% rate with 84 months on Credit Karma. Accept their offer with my 800+ credit rating and they HARD pulled my credit.. only to be called and told I have to decrease the term of my loan to receive a sub 8% offer. ABSOLUTE WASTE OF TIME AND TOTAL SCAM.
I was going to refinance my auto loan with them. I was approved by the lender then the loan manager kept taking calls and would not reply to my emails. I will not be using them and now I have a credit pulls. Great.
I had recently financed a vehicle through a dealership. The dealership had me in an expensive autoloan with very high interest rate. Then, a few weeks later, I received a letter from AutoPay. I was able to refinance my auto with them. Money back in my pocket! The process was simple, handled very efficiently and quickly. The people at AutoPay are straight forward, very professional, and will save you money on your auto loans. I highly recommend AutoPay!!!
This is the worst experience with a refinance offer! We got a letter stating we were preapproved for an auto refinance at 4.06%. We have excellent credit, so we decided let’s refinance our truck and save a few percent! So we let them “process” the offer and it came back at 7.5%!!!! That is worse than our current loan! Now we have a useless credit pull for no good reason by a no good company!!! DO NOT USE this company!!!! Here is the response from the company, which basically says the offer of 4.06% is a scam: For the lenders to make money right now they have to lend higher than what they’re receiving the money at which is 5.5%, that’s why rates that customers are getting are higher than that even. Harrison K hkell@ autopay.com Edit post reply: Based on the Autopay reply they make it sound as if they found something unfavorable on our end. So for anyone reading this you be the judge- my credit score is over 800 and the vehicle we were looking to refinance is a 2022 Ram 2500 with 5700 miles…..yes 5 thousand 7 hundred in still brand new condition. With that information you decide if you want to use this company based on the information provided in their misleading letter.
I recently received a letter in the mail from this company, promising a significant reduction in my loan payment. Intrigued, I decided to explore their offer by applying for pre-approval. However, my experience with them quickly turned into a nightmare. Firstly, they assured me that the credit check would be a soft inquiry, only to conduct a hard inquiry without my consent. This not only violated my trust but also impacted my credit score, which is infuriating given their false representation. After enduring their sarcastic and seemingly exciting offer, the reality hit hard. The promised drastic reduction in my loan payment amounted to a measly $2 change monthly, and little to no adjustment in APR. This not only fell far short of their grandiose claims but left me feeling deceived and cheated. The frustration and disappointment stemming from this experience cannot be overstated. It's disheartening to see a company resort to such deceptive practices, preying on individuals seeking genuine financial relief. In conclusion, my advice is simple: do not trust this company. Their promises are empty, their practices are deceptive, and in the end, the only tangible change you'll experience is a lower credit score. Save yourself the trouble and look elsewhere for financial assistance. Edit: It's disheartening to see the lack of accountability. Instead of a genuine resolution, it's just another scripted message.
Pre-approval letter is nothing but bait and switch. Says offer is valid 45 days if you maintain certain criteria on the back and thats a lie. They will take all your info and offer you an amount triple the qualification. Would've NEVER let them hit my credit if I had known it was a bait and switch. Even asked two employees to confirm it WASNT bait and switch and was lied to until they came back with their ridiculous offer. Somehow the first lady had my SSN BEFORE I ever called, she read my SSN out to me, not the other way around. DO NOT FALL FOR THE FAKE BAIT AND SWITCH MAILERS. Also be careful, if you received one already they have your SSN without your knowledge...
I just spoke to Bryan, both the website and he refused to give me rates with terms, even though all other lenders on the internet do that, without me filling out a credit application first and doing a hard credit pull to give my information out to "a network of lenders". He asked if I wanted to continue and I told him I could not answer that question until I knew what the rates were based on terms and his response was "have a nice day sir" .
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 havre no clue what service is! RUN!!! ABSOLUTELY HORRIBLE!
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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