Dealer Services
Dealer Services

Get help with payment challenges

If you are struggling to make your monthly loan payment, or can’t catch up with your past-due payments, we may have solutions for you. Please call us at 1-800-289-8004 to discuss your options for payment assistance.

A few options that may assist you with managing your loan payments include:

  • Making payment arrangements
    If you are unable to make your payment in full, please call us at 1-800-289-8004. We will review your account with you to determine if payment arrangements are an option. Please keep in mind if the full payment amount isn’t received by the due date, your account is still considered past due.
  • Changing your payment due date
    If changing your payment due date will help your budget and your ability to make payments on time, visit Can I change my payment due date? to review the eligibility criteria and submit a request.
  • Deferring payment(s) and extending the maturity date
    A payment deferment moves a payment or payments to the end of the loan and extends the loan maturity date. For example, if your payment due date is scheduled for March 15, 2019, and you were approved for a one-month deferment, your next payment date would be April 15, 2019. If your maturity date is January 15, 2020, and you are granted a one-month deferment, your maturity date will be February 15, 2020. Please call us at 1-800-289-8004 for more information, and to see if you are eligible for a deferment.

For your convenience, we’re providing additional information to some frequently asked questions. Please select from the topics below for more information:

There are several options to make a payment on your account. To view a complete list, visit How do I make a payment?

Payment reminders
If you have an online account, you can set up an email notification to let you know when your next payment is due. You can schedule the payment reminder from one to four weeks before your payment is due. For more information, visit Email Notifications. If you don’t have an online account, you can register for one at any time.

Automatic Loan Payment (ALP) program
You can enroll in the ALP program to have your payment debited from your designated checking or savings account each month free of charge. There is no enrollment fee for ALP. You can enroll, change, or cancel your ALP online. For more information, visit Automatic Loan Payment (ALP).

Please call us at 1-800-289-8004. The more we understand about your situation, the better we can find the best solution based on your hardship.

Grace periods vary from state to state so please review your loan contract for information about a grace period and late fees. If you are unable to find your loan contract, please call us at 1-800-289-8004, for more information or to request a copy.

If your payment is 30 or more days late, it may show up on your credit report as a late payment. The degree to which a late payment impacts your credit score can depend on several factors like how many days past due the payment is, how recent you’ve been past due, and how frequently you’ve paid late. Reviewing your credit report regularly will help you know where you stand. You can request a free copy of your credit report from annualcreditreport.com or from each of the three nationwide consumer reporting agencies: Equifax, Experian, and TransUnion.

Yes, here are the ways to schedule a payment:

Online payment
You can schedule a future payment online through eServices as long as your account is current. Select Make a Payment from Account Summary, the Pay icon, or the Payments menu.

Telephone payment
You can use your checking or savings account to make automated telephone payments or agent-assisted telephone payments by calling 1-800-289-8004

Electronic bill pay
You can schedule payments through your financial institution, if applicable.

The status of your account may impact your ability to pay online. For example, if your account is past due, you can make a same-day payment but may not be able to schedule a future payment. Also, if you have more than two payments with nonsufficient funds in the last 12 months, you will be unable to make a payment online. Please call us at 1-800-289-8004 for further information or if you need assistance making a payment.

If a payment is returned unpaid, we may attempt to present the payment one additional time to your financial institution. Your financial institution may charge a fee each time the payment is returned. We may charge a returned payment fee if your financial institution ultimately does not honor the payment. If the payment does not clear, you will need to resubmit the payment once you have sufficient funds in your bank account.

If you are struggling to make your payments, please call us at 1-800-289-8004 so we can discuss options that might work for you.

Please call us at 1-800-289-8004 to learn more about refinancing options that may be available to you.

SCRA may allow us to adjust the interest rate on your auto loan to 6%, which may lower the payment. For more information, please visit Benefits for Military Personnel or call us at 1-877-254-9687, Monday through Friday, 5:00 am to 6:00 pm Pacific Time. For general assistance outside of SCRA hours, please call us at 1-800-289-8004.

If you are struggling to make your monthly loan payment, or can’t catch up with your past-due payments, we may have solutions for you. Please call us at 1-800-289-8004 to discuss your options for payment assistance.

A few options that may assist you with managing your loan payments include:

  • Making payment arrangements
    If you are unable to make your payment in full, please call us at 1-800-289-8004. We will review your account with you to determine if payment arrangements are an option. Please keep in mind if the full payment amount isn’t received by the due date, your account is still considered past due.
  • Changing your payment due date
    If changing your payment due date will help your budget and your ability to make payments on time, visit Can I change my payment due date? to review the eligibility criteria and submit a request.
  • Deferring payment(s) and extending the maturity date
    A payment deferment moves a payment or payments to the end of the loan and extends the loan maturity date. For example, if your payment due date is scheduled for March 15, 2019, and you were approved for a one-month deferment, your next payment date would be April 15, 2019. If your maturity date is January 15, 2020, and you are granted a one-month deferment, your maturity date will be February 15, 2020. Please call us at 1-800-289-8004 for more information, and to see if you are eligible for a deferment.

For your convenience, we’re providing additional information to some frequently asked questions. Please select from the topics below for more information:

There are several options to make a payment on your account. To view a complete list, visit How do I make a payment?

Payment reminders
If you have an online account, you can set up an email notification to let you know when your next payment is due. You can schedule the payment reminder from one to four weeks before your payment is due. For more information, visit Email Notifications. If you don’t have an online account, you can register for one at any time.

Automatic Loan Payment (ALP) program
You can enroll in the ALP program to have your payment debited from your designated checking or savings account each month free of charge. There is no enrollment fee for ALP. You can enroll, change, or cancel your ALP online. For more information, visit Automatic Loan Payment (ALP).

Please call us at 1-800-289-8004. The more we understand about your situation, the better we can find the best solution based on your hardship.

Grace periods vary from state to state so please review your loan contract for information about a grace period and late fees. If you are unable to find your loan contract, please call us at 1-800-289-8004, for more information or to request a copy.

If your payment is 30 or more days late, it may show up on your credit report as a late payment. The degree to which a late payment impacts your credit score can depend on several factors like how many days past due the payment is, how recent you’ve been past due, and how frequently you’ve paid late. Reviewing your credit report regularly will help you know where you stand. You can request a free copy of your credit report from annualcreditreport.com or from each of the three nationwide consumer reporting agencies: Equifax, Experian, and TransUnion.

Yes, here are the ways to schedule a payment:

Online payment
You can schedule a future payment online through eServices as long as your account is current. Select Make a Payment from Account Summary, the Pay icon, or the Payments menu.

Telephone payment
You can use your checking or savings account to make automated telephone payments or agent-assisted telephone payments by calling 1-800-289-8004

Electronic bill pay
You can schedule payments through your financial institution, if applicable.

The status of your account may impact your ability to pay online. For example, if your account is past due, you can make a same-day payment but may not be able to schedule a future payment. Also, if you have more than two payments with nonsufficient funds in the last 12 months, you will be unable to make a payment online. Please call us at 1-800-289-8004 for further information or if you need assistance making a payment.

If a payment is returned unpaid, we may attempt to present the payment one additional time to your financial institution. Your financial institution may charge a fee each time the payment is returned. We may charge a returned payment fee if your financial institution ultimately does not honor the payment. If the payment does not clear, you will need to resubmit the payment once you have sufficient funds in your bank account.

If you are struggling to make your payments, please call us at 1-800-289-8004 so we can discuss options that might work for you.

Please call us at 1-800-289-8004 to learn more about refinancing options that may be available to you.

SCRA may allow us to adjust the interest rate on your auto loan to 6%, which may lower the payment. For more information, please visit Benefits for Military Personnel or call us at 1-877-254-9687, Monday through Friday, 5:00 am to 6:00 pm Pacific Time. For general assistance outside of SCRA hours, please call us at 1-800-289-8004.

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