AUTOPAY
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Not impressed - waste of time
I have a car loan for my new auto (Nov 2023). I paid the balance down quite a bit so was looking to refinance at a lower rate. My initial conversation with them told me that they could beat my present loan but to do that I would need to go through the app process and incur one hard credit pull. I agreed and the process was started. I got a call a day or so later from a loan agent assigned to my case - needed to confirm some info. I was busy at that time so asked them to call back. After over a week of me calling back with no response, I elevated to her manager who reassigned my case to another loan agent. They told me the first place that did the hard pull could not beat my rate so they were checking other options - and ding, another hard pull. This second person was very responsive, but the APR on the new rate (although technically the interest rate was lower) was higher than my present loan (due to additional fees to be charged of over $500)! I declined and re-locked my credit to avoid any additional dings. Bottom line, end result was 2 hard credit pulls with nothing to show for it. Had they inquired into my credit with a soft pull, they could have seen I have a high credit score and could have saved me a lot of time giving me some representative rates. Don't waste your time with this outfit.