applied for a new loan for a used vehicle credit score very good, paid off auto loans on file, credit karma states a loan from this firm is less or at 3% when approved loan comes back 3X this amount. I was told This firm advertises with Credit karma and they are looking for customers with 800 scores, but are not disclosed by Credit karma or Autopay. Do your research, stay away from this firm for any auto loan, it will do a hard hit on all three credit reports. Autopay also takes your info and uses for future services and sells your data to other high risk credit companys as was told by a autopay represenative. I declined to move forward with this loan.