AUTOPAY

Knew there was a catch

Applied and application was approved. The monthly payment was 50 less, so I was really happy until.......
They told me I had to make a "down payment" in order to get the loan.
Excuse me but that is not how a refinance works.
Nice try though

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Deal falls apart

They approved me and got me a way better deal than I was currently in and I was super excited to save a ton of money until at the last second and they denied me.

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Bad

Very unprofessional. Got approved then signed documents and sent it in. 2 weeks not a word from them. I called and text and finally got intouch. Said I was decline due to pay stubs dont match amount with a 740 credit score.

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What just happened?

Used lending tree to inquire about refinance rates a vehicle I purchased last month. I received 9 offers with rate and a monthly payment and extremely happy with those rates which showed 200 dollar less monthly payment.
Autopay did not offer a online rate, instead immediately called. The sales rep, immediately had an attitude and started dictating that I need a large down payment in order to receive loan from them. I told the guy I was good, “I have other offers already on table that showed me, rates and monthly payment. I was happy with the other offers.” Sales guy became hostile and started telling me no one will fund anything without a down payment and no one could beat their rates. I repeated myself and told him “I’m good I have other offers I’m more than please with the what I saw.”
He then started raising his voice and telling me how upside down I was in a brand new vehicle I drove off the lot 3 weeks earlier and repeated that no other company would fund the loan.
I’m not sure if this guy was trolling me or just mentally unstable. I hung up the phone in mid sentences, I don’t have time for strangers drama.

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thumbs down - very poor service

It took these guys 3 weeks for a simple car loan that typically takes a few hours at a dealership. I would never use Autopay again, never! After the first week, they kept telling me that it would be done that day or the next. Customer service was horrible. The loan specialist would never call me back or follow through with anything.

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AUTO PAY--Not worth the time!

With a very,very high credit score, I was approved for a loan. After submitting all documentation and proof of income,it took many days to try and get the financing and then was declined. Trying to buy out my leased vehicle, I wanted to reduce the amount borrowed. Auto Pay took my credit card for down payment, charged it immediately before the loan was approved and then delayed in refunding my money after declining my application. Terrible communication and inefficient lending practice! I was approved through another "real" lender in less than 2 days at a similar low interest rate. Auto Pay is not worth the time! And the service they provided-NONE!

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Horrible Company

This is the worst company I have ever dealt with. Oh it's all good at the application time but then the LIES start. I have been waiting on funding for my loan now for 5 days with no end in site. Run very fast from these people!!

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