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Help With Auto Loan Payments

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When you're struggling to pay your auto loan, we're here to help

We offer tools, services, and advice to assist you when you face financial challenges

If you are experiencing financial challenges, or have long-term or more permanent financial difficulties, we may be able to help.

If you are unable to make your payment in full, please call us at 1-800-289-8004, and we will review your account with you to determine whether payment arrangements are an option. Please keep in mind that if we don't receive the full payment amount by the due date, your account is still considered past due.

Here are some actions that may help:

Changing your payment due date 

If changing your payment due date will help your budget and your ability to make payments on time, see How do I change my payment due date? to review the eligibility criteria.

Deferring a payment and extending the loan maturity date

A payment deferment pushes out your due date and extends the loan maturity date.

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. This means 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'll be responsible for paying the remaining balance. Please call us at 1-800-289-8004 for more information. 

If you have other questions, please see our auto loan FAQs.

Frequently asked questions

How do I change my payment due date?

Before you apply for a due date change, you'll need to meet the following criteria:

  • You've made the first payment on your auto loan.
  • Your requested payment due date should not be more than 15 days from your existing payment due date. For example, if your existing due date is the 5th of the month, you can change it to the 20th of the month, or any day in between.
  • This is your first payment due date change. (You're allowed one payment due date change for the entire term of the loan.)
  • Your account is current or no more than 10 days past due.
  • Your loan has a fixed interest rate.

If you change your due date, your loan maturity date will be adjusted. Your monthly payment amount will remain the same.

To request a due date change:


Sign on, select your auto loan from Account Summary, and then select Change payment due date. Review the criteria and continue, if you are eligible. Select your desired new payment date and submit.

How do I defer a payment?

Call us for more information and to see if you are eligible for a deferment. A payment deferment pushes out your due date and extends the loan maturity date.

If your payment due date is scheduled for March 15, 2024, and you were approved for a one-month deferment, your next payment date would be April 15, 2024. If your maturity date is January 15, 2025, and you are granted a one-month deferment, your maturity date will be February 15, 2025. 

I can't afford to pay my entire loan payment right now. What should I do?

Please call us so that we can assist you. The more we can understand about your situation, the better we'll be able to suggest relevant options.

Is there a grace period before I am charged a late fee?

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.

Does a late payment affect my credit?

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 affects your credit score can depend on things like how many days past due the payment is, how recently you've been past due, and how frequently you’ve made late payments.

Review your credit report regularly to help you know where you stand. Request a free copy of your credit report from or from each of the nationwide consumer reporting agencies: Equifax, Experian, TransUnion, and Innovis.

Why can't I make an online payment?

The status of your account may have an impact on 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 insufficient funds in the past 12 months, you won't be able to make a payment online. Call us for more information or if you need assistance making a payment.

What happens if I make a payment that does not clear?

If a payment is returned unpaid, we may attempt to present the payment to your financial institution one more time. Your financial institution may charge a fee each time the payment is returned. If the payment doesn't clear, you’ll need to resubmit the payment once you have sufficient funds in your bank account.

I can't afford my auto loan payments. Can I turn in my vehicle?

Call us so we can discuss options that might work for you.

Can I get payment assistance through the Servicemembers Civil Relief Act? (SCRA)

SCRA may allow us to adjust the interest rate on your auto loan to 6%, which may lower the payment. Learn more about the Servicemembers Civil Relief Act or call us at 1-877-254-9687, Monday – Friday, 7 am - 8 pm Central Time. For general assistance outside of SCRA hours, call us at 1-800-289-8004.