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.
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!
Tragiczna obsługa klienta. Pan podnosi słuchawkę i reaguje takim tonem, że człowiek naprawdę musi się zastanowić, czy nie ma innego wyjścia.. Nie pomaga -bo nie chce? Czy nie może? Nie, nie chcę i nie będę korzystać z Autopay.
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.
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.
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"
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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