RateGenius (Autopay) will respond to you quickly and call you to attempt a deal. The bad thing is hey'll run your credit and tell you the posted offer isn't available in your area, regardless of your credit score (mine was over 800). They'll then send you an e-mail claiming you declined their offer although they never made an offer...total scam.
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Headquartered in Austin, Texas, rateGenius has been driven to help people save money for 20 years. With a massive lender network of over 150 financial institutions in all 50 states, rateGenius helps find people better auto loan rates through refinancing.