Autopay purports to give you pre-qualification rates that in my case, were later increased by about 3% and only after the hard credit inquiry. Why? I was told that the offer was stated "as low as." This is pure deception and I told him so. I also said that it was bait-and-switch. He became pretty agitated and literally yelled at me.
It seems pretty obvious. Extremely poor customer service and only the company's interest in taking advantage of their potential customers. I rejected their horrible offer to which I got further agitated responses. Apparently I'm some kind of bad potential customer. While I was waiting on hold at one point the message was to the effect "refer your friends to Autopay and receive $100 each." They tried on multiple accounts to sell me gap insurance which according to Kelley Blue Book is not needed and other things which I supposed to many customers may find desirable. They tried to make me take a longer-term, longer than the pre-qualification suggested. When I informed them I wasn't interested in a longer-term but a shorter-term with a lower interest rate as has been suggested in the pre-qualification notice they would not even begin to go in that direction.
The final offer was at 63 months for for what I was seeking to pay off in 48. Not at all concerned with my interests or wishes. Used car sales at its worst applied to automobile Finance. Deception. Bait and switch. That's how I see it. Not a single late payment in my credit history.
Bottom Line: No, I would not recommend this to a friend
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