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 account 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, the convenience fee is only $7 for debit card and $0 for checking/savings account.

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 easy and the convenience fee is only $7 for debit card and $0 for checking/savings account.

Cash Payment Option – PayNearMe and MoneyGram make it fast and easy to pay your bill in cash. You can use PayNearMe from your neighborhood 7-Eleven, Ace Cash Express, CVS Pharmacy or Walmart. MoneyGram has thousands of locations worldwide, close to where you live or work. Use these cash payment services any time of day, 7 days a week for only $3.99.

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 individual manager for every account—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 account quickly.

When can I trade in or refinance?

Many lenders look at credit in twelve-month increments, but every account is different, so there’s no magic date for these things. However, the average account requires about two years before a trade or refinance can take place. Avid is not a direct lender and is unable to refinance existing customers.

I just purchased my vehicle and need to register it. How do I proceed?

The dealership should provide you with all the necessary documents that the DMV requires to register your vehicle. If you are missing required documentation, contact the dealership that you purchased the vehicle from. If you need further assistance with registering your vehicle, you can call us at 888-777-9190.

I moved to a different state and want to register my vehicle. What do I need to do?

Your new state of residence may have a checklist that the DMV can provide detailing what is needed to title and register your vehicle. You will need to forward this information to Avid at along with your updated mailing address.

I paid off my vehicle and need my title. When will I receive it?

We need a little time to process your title after payoff. The title will be released 3 weeks after the payoff is received. Please update Avid with any mailing address change prior to the end of this period to prevent mail delays.

What insurance coverage am I required to carry on my vehicle?

You are required to carry full coverage (liability plus comprehensive and collision) insurance for your vehicle.

What is the maximum deductible allowed for my insurance coverage?

The maximum deductible allowed is $1,000.

Where can I send my proof of insurance?

Email your insurance declaration page to

I was in a car accident; how do I report my insurance claim to Avid?

Email your insurance claim number, insurance carrier name, and your Avid account number to

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