I had a very frustrating experience with this service. I received an offer that claimed to have an 'outstanding' approval chance and a reasonable rate for refinancing my auto loan. After applying and submitting all necessary documents, I was approved—but the offer was not what I expected. It was worse in both rate and terms, effectively resetting my loan term after I had already made payments for almost a year and a half. I expressed my concerns and requested an alternative that at least matched my current monthly payment, even if the rate wasn't as good, hoping to find a fair solution. The next day, their response was to cancel the initial unfavorable offer and present an even worse one, leaving me in the same situation but resetting over a year of payments back to zero, alongside an excessive $900 GAP fee. It feels like a betrayal of trust to promote one offer in the app and then deliver a significantly worse deal. The hardest blow is the hard inquiry they conducted, which puts you in a weaker position to seek help from another service. This has been a total disaster.
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AUTOPAY provides direct-to-consumer financing and refinancing for individuals looking for the best financing terms and a no-hassle transaction.
