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IMPORTANT: If you are experiencing financial challenges as a result of the coronavirus (COVID-19) pandemic, we can help you. If you would like to request a three-month payment deferment, please sign on to your account and Send us a message or select Contact Us from the navigation. For more information about deferments, see below:

Deferring payments
When you defer your payments, 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.

For example, if your payment due date is May 1, and you received a three-month deferment, your next payment due will be 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.

  • Below are some examples of unique situations showing how deferments impact past-due accounts. At the end of the deferment period, if you make no payments, your account will be in the same delinquency status as when the deferment began.
    • 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 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 on July 1, your account will become past due on July 2.
    • 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 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 on June 1, your account will become past due on June 2.
    • Three months past due: On May 1, you received a three-month deferment when you were already three months past due. The three-month deferment brings your account current. If you do not make a payment on May 1, your account will become past due on May 2.

      Important: Until further notice, we are pausing involuntary repossession of vehicles for payment delinquencies.

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: If you are experiencing financial challenges as a result of the coronavirus (COVID-19) pandemic, we can help you. If you would like to request a three-month payment deferment, please sign on to your account and Send us a message or select Contact Us from the navigation. For more information about deferments, see below:

Deferring payments
When you defer your payments, 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.

For example, if your payment due date is May 1, and you received a three-month deferment, your next payment due will be 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.

  • Below are some examples of unique situations showing how deferments impact past-due accounts. At the end of the deferment period, if you make no payments, your account will be in the same delinquency status as when the deferment began.
    • 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 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 on July 1, your account will become past due on July 2.
    • 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 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 on June 1, your account will become past due on June 2.
    • Three months past due: On May 1, you received a three-month deferment when you were already three months past due. The three-month deferment brings your account current. If you do not make a payment on May 1, your account will become past due on May 2.

      Important: Until further notice, we are pausing involuntary repossession of vehicles for payment delinquencies.

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.
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