Review Time
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 polkShe 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.
They said I was approved, forget to submit paperwork to lender on time, then loan was cancelledThey 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.
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.
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.
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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.
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