<prompt> Human: I am refinancing a vehicle and have been offered 2.50 without autopay and 2.25 with autopay. 15K left on my loan with about 50 months left. Is the 0.25 reduction worth the headaches that might come with automatic payments payments possibly being late which affect your credit score, being difficult to stop the automatic payments when the loan is paid off or you refinance a second time with another bank, etc?  <response>: Autopay is very useful in that you never have to remember to pay your bills, its done for you. So theres zero risk of a late payment. However, just make sure you know when your autopay hits so you dont accidentally overdraw yourself. 