Why AutoPayPlus



AutoPayPlus by US Equity Advantage is an industry-leading automated loan payment service that offers consumers flexible payment options matched to their paychecks, which leads to better budgeting, prevents late fees, and can accelerate the loan payoff.

Since 2003, AutoPayPlus has enrolled more than 250,000 members and processed more than $5.65 billion in loan payments, primarily through the automotive industry and the company’s long-term relationships with independent agents and dealerships nationwide. Value-added services include vehicle valuation from Kelley Blue Book and vehicle recall and service maintenance alerts; the ability to enroll other household debts; and a free financial toolkit that includes a monthly VantageScore® 3.0 credit score with trending from TransUnion®, and credit monitoring and instant alerts from TransUnion® to help prevent identity theft.

Who We Are

Compliant Payment Processor

AutoPayPlus has a dedicated compliance department that is actively engaged in meeting all regulatory compliance issues. We operate in all 50 States, partnering with automotive, RV and power sports dealers to provide a payment service that helps consumers improve their financial outlook.

Personal Finance Guide

We provide our customers with best-in-class personal finance content on the AutoPayPlus Getting Ahead blog that covers topics such as money insights, car and home advice, budgeting and more. We stay connected to our customers throughout the life cycle of their loan with debt alerts, vehicle maintenance reminders and credit monitoring alerts.

Our Leadership Team


Robert Steenbergh

Robert is a groundbreaker in Automotive financing, driving innovations for more than two decades and making AutoPayPlus the leading provider of biweekly loan processing for the automotive industry.

As CEO, Robert takes an active role in overseeing all aspects of AutoPayPlus’s operations, banking and legal, including consulting with regulatory experts in all compliance matters pertaining to federal and state regulations. He is also a leading advocate in the broader financial space for issues related to consumer financial protections and industry compliance.

Robert began his career as a trial attorney in New York City representing auto dealers and finance companies before taking over leadership of a national automotive software company that provided financial analysis and CRM software solutions to automotive dealerships.

In 2003, he co-founded AutoPayPlus’s predecessor, MenuVantage. Automotive’s largest web-based menu selling software system at the time, MenuVantage led the industry in innovation and growth, providing dealers with best in class F&I tools and the most advanced technology available to ensure compliance and increased per unit profit. The company was acquired by ADP (now CDK) in 2009 and its software is still used in thousands of dealerships nationwide.

Robert earned his Juris Doctor degree from Albany Law School of Union University and his undergraduate degree from Siena College in Albany County, New York.


Maria Ranglin

Maria joined AutoPayPlus in 2005. She is responsible for leading the management team in implementing AutoPayPlus’s strategic business plans including developing performance measures, ensuring secure procedures for all areas of operation, and managing the processing of customers’ ACH transactions.

Her management experience in the automotive sector includes applying operational best practices and overseeing the entire sales process for Dealertrack Technologies and supervising installation sales and order processing for LML Technologies, inventor of one of the automotive industry’s first desking tools.

Maria holds a certification in business management, known as a mini-MBA, from the Crummer Graduate School of Business at Rollins College. She is also bilingual in English and Spanish and a certified EMT.


Greg Leonard

Since 1990, Greg as spent his finance career improving profitability, cash flow and business valuations for large and complex organizations, both domestic and international.

In 2018, he joined AutoPayPlus as chief financial officer responsible for overseeing the company’s finance and compliance departments and ensuring that the necessary resources and disciplines are in place to support the company’s continued growth in the automotive market. He also works closely with state banking departments on the money transmission audits that occur annually with each of the states where AutoPayPlus holds a money transmitter license. 

Greg’s previous career experience includes CFO positions with Hard Rock Café International, Signature Flight Support and Floor & Décor Outlets of America.

He holds a Bachelor of Science degree in Business Administration from Bryant University in Rhode Island and a Master of Science degree in Computer Information Systems from Bentley University in Massachusetts.


Patricia Weeks

Pat is an 18-year banking business executive who joined AutoPayPlus in 2012 to oversee the company’s state money transmission licensing, including the application process and staying compliant with state money transmission laws, GLBA customer privacy issues and FinCEN releases. She also supports the training of AutoPayPlus employees in BSA/AML matters and works with the development team to ensure that information security and record retention matters are handled in accordance with regulation.

Previously, Pat served as a corporate underwriter for commercial and industrial lines of business and commercial real estate at several large regional banks in Central Florida and has extensive experience in BSA/AML and financial regulatory training.

Licensing and Compliance

Commitment to Compliance

AutoPayPlus has a dedicated compliance department that is actively engaged in meeting all regulatory compliance issues in the marketplace.

Protected Electronic Money Transfer

EFTA (Electronic Funds Transfer Act): AutoPayPlus complies with all aspects of the EFTA related to our customers’ transactions to ensure they are properly informed and their electronic transfers are protected.

Registered with FinCEN

In accordance with the USA Patriot Act of 2001 and the Department of Treasury’s Title 31 CFR Chapter X, AutoPayPlus is registered with FinCEN and a dedicated BSA/AML officer oversees all aspects of BSA/AML policy.

Privacy & Security are Paramount

GLBA (Gramm Leach Bliley Act): The GLBA governs customer privacy measures to ensure their security and protection. AutoPayPlus complies with all information safeguards and diligently projects our customer information with strict personnel procedures and encrypted data.

NACHA Compliance

NACHA (National Clearing House Association) Operating Rules and Guidelines: NACHA manages the development, administration and governance of the ACH network. Failing to maintain acceptable return levels could result in being shut out of the ACH network and the immediate inability to continue operations. AutoPayPlus maintains return levels well below threshold values.

AM Best Rating A+

Under the state money transmitter license statutes, AutoPayPlus is bonded in excess of $10M from an insurance carrier that carries an AM best Rating of A+ and is audited by each and every state banking department once every 12-18 months.