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IMPORTANT: We know that this is a challenging time and many are experiencing financial uncertainty due to the Coronavirus (COVID-19) pandemic. We are here to help guide you through it.

Si prefiere escuchar la traducción completa al español de esta información, llámenos.

If you are able, you should continue to make your regular scheduled monthly payments to avoid additional loan costs.

If you cannot make your payments, you may be eligible for a three-month payment deferment, even if you previously received a deferment or are currently deferring payments related to COVID-19 or for another reason. By deferring your payments to a later date, you will owe more on your loan. Please review the important information below to help you decide if a deferment is the right option for you. If you would like to request a three-month payment deferment, please sign on to your account and select Send us a message or select Contact Us from the navigation. If you are 60 days or more past due in making payments, please call us to request a deferment.

If you received your loan directly through Wells Fargo (versus at a dealership), please call us at 1-800-559-3557, Monday – Friday, 8:00 am to 6:00 pm local time to request a payment deferment.

For more information about deferments or options available for longer-term challenges, see below.

Deferring payments on current accounts
If you are approved for a deferment, your next scheduled payment due date will be pushed out, and the loan maturity date will also be extended.

Interest will continue to accrue on the unpaid balance during the deferment period. By deferring your payments to a later date, you will owe more interest on your loan than originally disclosed.

  • This means that, assuming you make no payments during the deferment period, and you resume making your regular scheduled monthly payment after your deferment ends, you will have a balance due on or after your loan maturity date.

For example, if your next payment due date is May 1, and you receive a three-month deferment, your next payment due will be pushed out to August 1. If the loan maturity date is May 2024, and you receive a three-month deferment, the new maturity date will be August 2024.

Although you cannot cancel a deferment, you may continue make payments during the deferment, which will reduce the amount of interest owed at the end of the deferment. If you choose to make a payment of any amount during the deferment period and you resume making your regular scheduled monthly payments after your deferment ends, then the balance due after your loan maturity date could be less or zero.

Deferring payments on past-due accounts
If your account is past due, you may still be eligible for a three-month payment deferment. The examples below show how deferments are applied to past due accounts:

  • One month past due: On May 1 you received a three-month deferment when you were already one month past due. This means your next payment due date will be July 1. By using one month of the deferment, your account becomes current, and your next two monthly payments will be deferred, for a total of three months of payment deferments. If you do not make a payment by August 1, your account will again be one month past due at that time.
  • Two months past due: On May 1 you received a three-month deferment when you were already two months past due. This means your next payment due date will be June 1. By using two months of the deferment, your account becomes current, and your next monthly payment will be deferred, for a total of three months of payment deferments. If you do not make a payment by August 1, your account will again be two months past due at that time.
  • Three months past due: On May 1 you received a three-month deferment when you were already three months past due. This means your next payment due date is May 1. By using three months of the deferment, your account becomes current. If you do not make a payment by August 1, your account will again be three months past due at that time.

We may contact you towards the end of your deferment period to see if there are any other options available to assist you. If you need further assistance, you can also contact us directly to discuss other assistance options.

If you are 60 days or more past due in making payments, or if you have questions after reviewing this information, please call us at 1-800-289-8004, Monday – Friday, 7 am to 9 pm, and Saturday 7 am to 5:30 pm Central Time.

Other 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.
  • Voluntary surrender
    If you are unable to make your payments and don’t feel that any other options will work for you, you may have the option to voluntarily surrender your vehicle, which means that we would take possession of the vehicle, sell it, and apply the amount we receive from the sale to the amount you owe us. If the proceeds from the sale are not enough to pay the full amount you owe us, you will be responsible to pay the remaining balance. Please call us at 1-800-289-8004 for more information.

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 see the information above to request a payment deferral.
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.

IMPORTANT: We know that this is a challenging time and many are experiencing financial uncertainty due to the Coronavirus (COVID-19) pandemic. We are here to help guide you through it.

Si prefiere escuchar la traducción completa al español de esta información, llámenos.

If you are able, you should continue to make your regular scheduled monthly payments to avoid additional loan costs.

If you cannot make your payments, you may be eligible for a three-month payment deferment, even if you previously received a deferment or are currently deferring payments related to COVID-19 or for another reason. By deferring your payments to a later date, you will owe more on your loan. Please review the important information below to help you decide if a deferment is the right option for you. If you would like to request a three-month payment deferment, please sign on to your account and select Send us a message or select Contact Us from the navigation. If you are 60 days or more past due in making payments, please call us to request a deferment.

If you received your loan directly through Wells Fargo (versus at a dealership), please call us at 1-800-559-3557, Monday – Friday, 8:00 am to 6:00 pm local time to request a payment deferment.

For more information about deferments or options available for longer-term challenges, see below.

Deferring payments on current accounts
If you are approved for a deferment, your next scheduled payment due date will be pushed out, and the loan maturity date will also be extended.

Interest will continue to accrue on the unpaid balance during the deferment period. By deferring your payments to a later date, you will owe more interest on your loan than originally disclosed.

  • This means that, assuming you make no payments during the deferment period, and you resume making your regular scheduled monthly payment after your deferment ends, you will have a balance due on or after your loan maturity date.

For example, if your next payment due date is May 1, and you receive a three-month deferment, your next payment due will be pushed out to August 1. If the loan maturity date is May 2024, and you receive a three-month deferment, the new maturity date will be August 2024.

Although you cannot cancel a deferment, you may continue make payments during the deferment, which will reduce the amount of interest owed at the end of the deferment. If you choose to make a payment of any amount during the deferment period and you resume making your regular scheduled monthly payments after your deferment ends, then the balance due after your loan maturity date could be less or zero.

Deferring payments on past-due accounts
If your account is past due, you may still be eligible for a three-month payment deferment. The examples below show how deferments are applied to past due accounts:

  • One month past due: On May 1 you received a three-month deferment when you were already one month past due. This means your next payment due date will be July 1. By using one month of the deferment, your account becomes current, and your next two monthly payments will be deferred, for a total of three months of payment deferments. If you do not make a payment by August 1, your account will again be one month past due at that time.
  • Two months past due: On May 1 you received a three-month deferment when you were already two months past due. This means your next payment due date will be June 1. By using two months of the deferment, your account becomes current, and your next monthly payment will be deferred, for a total of three months of payment deferments. If you do not make a payment by August 1, your account will again be two months past due at that time.
  • Three months past due: On May 1 you received a three-month deferment when you were already three months past due. This means your next payment due date is May 1. By using three months of the deferment, your account becomes current. If you do not make a payment by August 1, your account will again be three months past due at that time.

We may contact you towards the end of your deferment period to see if there are any other options available to assist you. If you need further assistance, you can also contact us directly to discuss other assistance options.

If you are 60 days or more past due in making payments, or if you have questions after reviewing this information, please call us at 1-800-289-8004, Monday – Friday, 7 am to 9 pm, and Saturday 7 am to 5:30 pm Central Time.

Other 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.
  • Voluntary surrender
    If you are unable to make your payments and don’t feel that any other options will work for you, you may have the option to voluntarily surrender your vehicle, which means that we would take possession of the vehicle, sell it, and apply the amount we receive from the sale to the amount you owe us. If the proceeds from the sale are not enough to pay the full amount you owe us, you will be responsible to pay the remaining balance. Please call us at 1-800-289-8004 for more information.

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 see the information above to request a payment deferral.
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.
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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