Frequently Asked Questions

US Equity Advantage is the provider of the AutoPayPlus service; therefore, we are known as AutoPayPlus by US Equity Advantage. (DBA). AutoPayPlus by US Equity Advantage has enrolled more than 250,000 members, processing more than $5.65 billion in loan payments since 2003. We are dedicated to making sure our members are fully equipped to accelerate their loan payoffs in the most efficient way.  

While there is no upfront cost to the Member for enrolling in AutoPayPlus, there is an enrollment fee that is deducted from accelerated payments. Once the enrollment fee is satisfied, all additional withdrawals are applied to the principal on the Member’s loan. Enrollment fee amounts are specific to your account type. Please check your ACH agreement for details. 

• AutoPayPlus does not charge a cancellation fee. However, if the enrollment fee has already been deducted from your account, we do not offer a refund.  

• AutoPayPlus does allow our members to place a pause on their account if needed.  

Service Fees and Payment. You shall pay all fees and charges listed on this Agreement applicable to the Service, including, but not limited to:

1. Up to $798 Enrollment, Account Verification fee of up to $2.99, ACH fee of up to $2.99 per debit;
2. NSF: $27.50 (as of 1/1/24, $17.50), Revoked Debit: up to $50 (as of 1/1/24, $25), Stop Payment: up to $45 (as of 1/1/24, $35), Customer Advises Not Authorized: up to $50 (as of 1/1/24, $25);
3. FedEx Request: up to $32 (as of 1/1/24, $22), Rush Check Request ($10), Phone Payment ($10), Paper Statements Mailed ($5);
4. Inactivity Fees of $12.00 per month, Escheatment Fee (Unclaimed Account) of $50; and
5. A check fee of $3.50 for additional principal payments for each occurrence.
6. As a member of AutoPayPlus you have access to credit monitoring and identity protection services offered by TransUnion at no cost for the initial first 12 months. After the initial free trial, you will automatically be enrolled in the TransUnion service at a rate of $6.95 per month. Fees may be collected in periodic increments rather than monthly, based on the timing of available funds and account activity, such as $41.70 every six (6) months. You may opt out of this service at any time by emailing memberservices@autopayplus.com. If you opt out, you will no longer receive credit monitoring alerts or identity protection services, and no future TransUnion-related fees will be assessed. Participation in TransUnion Services is optional and is not required to enroll in AutoPayPlus or to authorize ACH payments.
7. Any additional fees that you may contract for or incur in connection with your use of the Service.

We reserve the right to change the amount of any fees from time to time, in our sole discretion. We will post the revised fees on the www.autopayplus.com website or notify you by email in advance of the effective date of such changes. If the change in fees is not acceptable, your sole and exclusive remedy shall be to stop using the Service. By continuing to use the Service after the fee increase, you accept all changes in service fees. All Service fees are non-refundable. Prior to charging the inactivity fee we will make all attempts to contact you and you will have an additional 90 days after a “Notice of Inactivity Fee” letter is sent to the most recent address we have on record for you. These additional fees can impact your savings.

Typically, the loan account number will be assigned a few weeks after you have purchased your vehicle and enrolled your auto loan in AutoPayPlus. Having a copy of your lender statement ensures payments are made on time, and you are eligible for the payment guarantee. To activate the payment guarantee, you can conveniently upload your lender statement in the Members’ Portal by following the steps in the question below. Please note if we are not provided with your lender statement, your payment fees will increase up to $1.00 per withdrawal.

• Simply click “View My Accounts”. 
• Select the loan you are uploading the lender statement to. 
• Once you are in the account you wish to upload your lender statement, Click “Upload Documents”. 
• You will then be taken to a page to Upload a Document. 
• Click “Upload Lender Statement” 

Rest assured, with AutoPayPlus on your side, you’re in safe hands. Once we have your Lender’s statement, we pledge to process your loan payment accurately and promptly no later than the specific Lender’s grace period. Should we fail to meet this commitment due to any circumstances within our control, we will not only cover any and all late fees or finance charges you may have incurred (as long as your account with us was maintained in good standing) but also pay a Payment Guarantee to your Lender. This Guarantee, in the form of a Principal Reduction Payment, will be equivalent to one month’s loan payment. Your satisfaction and peace of mind are our utmost priority, and our services are designed and guaranteed to ensure that you receive nothing less.

With the enrollment fee, our dedicated US-based support team ensures that accelerated payments are applied to the principal and all other payments are made on time. You will also receive credit protection** from TransUnion®, your car’s trade-in value from Kelley Blue Book®, and recall alerts from DataOne®. 

AutoPayPlus members can enroll any fixed rate loan for automated payments including home mortgage, auto, recreational vehicle, student, or personal loans. You can also automate your credit card and household bill payments. During your 6-month open enrollment period, you and anyone in your household are eligible to enroll an unlimited number of accounts. ACH fees per debit still apply.  

The Open Enrollment lasts 6 months from your AutoPayPlus sign-up date. During this time, maximize your program benefits by adding mortgages, student loans, or credit cards for no additional enrollment fee. A withdrawal fee of $2.99 still applies for each transaction.

While you do have access to make payments on your own, you will find AutoPayPlus will ensure your payments are applied to the principal, while lenders will often apply your additional funds to future dated payments. When you try to replicate our services, you may face payment posting obstacles that we would have handled on your behalf. Accelerating loan payments takes time and discipline, while AutoPayPlus is easy and convenient.  

A bi–weekly pay cycle (paid every two weeks) consists of 26 paychecks per year, but you only need 24 to ensure 12 months’ worth of payments are made. The extra two debits are applied to your principal to pay off your loan faster. In other words, two months out of the year, you have three pay cycles in a month. AutoPayPlus takes the extra withdrawals after the initial withdrawals are applied, in full, until the Enrollment Fee has been satisfied. This money is held at an accredited trust bank in a non-interest-bearing account held by U.S. Equity Advantage AutoPayPlus.

With our financial management service, you can change your life without changing your lifestyle by simply adjusting how you make your payments. For example, automated withdrawals are made every two weeks using our most popular payment plan – biweekly. There are 52 weeks in a year, so you’re paying 26 halves each year. This gives you one extra payment toward the principal balance each year, which may enable you to pay off your loan sooner.  

AutoPayPlus takes the necessary measures to ensure your personal and financial information is securely handled. We have a full range of state-of-the-art Internet security measures including firewalls, cryptography, intrusion prevention, and vulnerability testing provided by Compliance Solutions, Inc. to safeguard your money and all your personal information.  

1. Login to your “Members’ Portal“
2. Click “Profile” in the navigation
3. Scroll down until you see your “Transactions” and “Receipt” tabs in the middle of the page.