USEA Veteran Returns to AutoPayPlus
Executive brings enhanced skill set to company to add to more than two decades of experience.

Gutierrez
AutoPayPlus
AutoPayPlus said Michele Gutierrez returned to its sales team as a regional account manager. With a passion for the automotive industry that was ignited at an early age, she brings over two decades of experience across sales, logistics and leadership.
Gutierrez began her career in the automotive industry in 1996, inspired by her grandfather’s Oldsmobile dealership. She quickly advanced to management roles. In 2001, she transitioned into logistics, gaining a comprehensive understanding of the automotive supply chain by brokering freight across North America. Her leadership skills continued to grow as she took on more prominent roles, further solidifying her expertise in both sales and logistics. The blend of experience equipped her with a deep, multifaceted understanding of the automotive industry.
Her personal experience with AutoPayPlus started while she was an F&I director in Laredo Texas. The service helped potential customers afford more of the extra products they wanted. The solution increased per-vehicle-retailed and product index, which boosted deals and helped her career path as she became a finance-and-insurance top performer.
Her career then led her to join US Equity Advantage, where she covered 23 states, working closely with dealers and finance managers to offer biweekly car payments. The role enabled her to help customers afford protection products, fight high interest rates, and accelerate equity.
In 2014, Gutierrez joined General Motors as an account development manager for CBGC Protection Plans. Her performance earned her swift promotions to area manager, then regional sales manager. During her tenure, she helped enhance dealer relationships, driving regional growth, and leading teams to success.
As Gutierrez steps into her new role, she will drive AutoPayPlus’ business in the Texas and Oklahoma regions.
AutoPayPlus CEO Robert M. Steenbergh said, “Not only does Michele have diverse and impactful experience but also a proven track record of success and an admirable passion for the business. We are excited to welcome her back to the USEA family, and we look forward to seeing the positive impact she will make.”
Reflecting on her career, Gutierrez said, "I am incredibly excited to return to a company that feels like home and to take on the role of Regional Account Manager for Texas and Oklahoma. My passion for the automotive industry, inspired by my grandfather’s Oldsmobile dealership, has driven me through every stage of my career, from selling Buicks to managing logistics and leading regional sales teams. This new chapter brings my journey full circle, and I’m eager to apply my experience to continue serving our customers and partners with the same dedication and enthusiasm that has guided me throughout my career. The opportunities ahead are thrilling, and I look forward to making a meaningful impact with AutoPayPlus."
More F&I

Amplify 2026 Billed as Turning Innovation Into Results
Reynolds and Reynolds says its annual retail summit will connect dealers with practical strategies, peer insight, and technology-driven ideas.
Read More →
Own Your Outcome: F&I in the Digital Customer Journey
Finance has historically been the last step in the car-buying process, but it doesn’t have to be. The customer’s journey starts long before they arrive at the dealership, and so should F&I’s involvement.
Read More →
Tariffs Could Raise Insurance Premiums
As U.S. import tariffs affect repair costs, consumers might find it more affordable to replace a damaged vehicle, according to recent Insurify tariff analysis.
Read More →
Smaller Loans, Longer Terms
The youngest generation of car buyers is more likely to finance less expensive vehicles, more than half of generation Z consumers borrowing less than $25,000.
Read More →
New Lifetime Battery F&I Product Meant to Drive Dealer Traffic
EFG Cos. offering is intended to create lifetime auto dealer engagement with customers.
Read More →
The Psychology Behind Menus That Increase Add-On Sales
There is a science to crafting a menu that gives customers confidence in the choices presented, and moving the process outside the F&I office can further boost results.
Read More →
Why Your F&I PVR Is Misleading You
Here’s a handy checklist of the numbers to track in 2026 instead.
Read More →
Auto Consumer Anxiety Presents Opportunity
A survey of U.S. drivers found the majority are concerned about finances and the economy, but those fears make many ready to buy vehicle-protection products.
Read More →
Humble and Hungry: 12 Rules for an F&I Life
Dustin Gingerich, with a decade in the F&I business under his belt, shares his thoughts on leadership, building trust with customers, and the importance of learning and innovation.
Read More →
Focus on the Opening
F&I managers must learn as much as possible about their customers, starting before they walk into their offices. The bulk of today’s consumers expect that, and good results will follow.
Read More →