AU
AUTOPAY
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Misleading at best, bait-and-switch at worst.
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.