You’re much more than a number.

We take a look at the whole story to see if we can help.

Many people feel like the finance industry isn’t really about serving people. That’s why we set out to do things differently. We look at every loan individually and actively work to find ways we can set you up to succeed. When you do well, we do well. It’s a team effort.

How do I make monthly payments?

We work hard to bring a quality auto experience to every customer. When the time comes to pay your monthly bill, we want to be sure that payment is as hassle-free and easy as possible. We offer a variety of options to pay your bill – online, by phone, auto pay and more.

Online - Paying your bill online 24 hours a day, 7 days a week just requires your checking/savings account information (routing and account number) or debit card. Not only is it fast and easy, there is no convenience fee!

By Phone - Payments may be made by phone using your Visa, MasterCard, Discover, American Express or checking/savings account information (routing and account number). To pay by phone, please contact us at 1-888-777-9190 and follow the voice prompts. Paying by phone is fast and easy, and there is no convenience fee!

Cash Payment Option – PayNearMe makes it easy to pay your bill in cash. You can use PayNearMe to make fast, easy cash payments from your neighborhood 7-Eleven, Family Dollar or Ace Cash Express any time of day, 7 days a week for only $5.99.

To view all payment options or to set your account up with auto pay see our payment methods.

Can I talk to a real person when I have questions about my account?

We provide an account manager for every loan—and we’ll give you that person’s direct phone number so you can chat with them about any questions or concerns. You’re too important for us to direct you to some faraway call center halfway around the globe. You’ll talk to a real, live person, and you can talk to the same one every time. If you’re not sure who your account manager is, call us at 888-777-9190 to find out.

How do I make principal payments?

If you focus on reducing your principal (the initial sum you borrowed), less interest will add up over time. This saves you money in the long run, and there are a couple of ways to do it.

You can make lump-sum payments toward your principal, or you can pay more than your minimum amount due. All the extra will be applied to your principal, reducing the amount of interest that piles up. Many people use their tax returns, bonuses, etc. to carve away at their principal.

Not only do extra payments lower your principal balance, but you’ll also get credit toward your next payment due. So if you have a lean month the next month, you’ll have a fallback option to make a lower (or no) payment. And if you don’t have a lean month, then congrats—you can just keep paying off your loan quickly.

When can I trade in or refinance?

Many lenders look at credit in twelve-month increments, but every loan is different, so there’s no magic date for these things. However, the average loan requires about two years before a trade or refinance can take place.

More questions? Great! Get in touch.

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Additional Resources

Here are some links that may help you succeed with your auto loan.

Understanding Vehicle Financing
8 Steps to Buying a New Car
Kelly Blue Book
Auto Loan Calculator
Vehicle History Report
Free Annual Credit Report
Trans Union Credit Bureau
Equifax Credit Bureau
Experian Credit Bureau

We offer:

  • Zero down-payment options
  • Financing for new and late-model vehicles
  • Payments and terms that work within your budget

Application requirements:

  • $2,500 monthly gross income
  • Stable employment and residence
  • Prior paid credit

Find a dealership we work with.

We’re a little picky about which dealers we’ll work with, but we have a fine network of dealerships who make the cut and have a history of taking great care of customers. Just get in touch for a current list of dealers in your area to get things rolling.