Frequently Asked Questions
If you recently applied for financing through an automobile dealership or refinancing program, Exeter Finance was included as an option. We’re obligated to send you the letter you received as a follow up. If you want additional information, please follow the instructions in the letter. If the letter references another topic, call (800) 321-9637 for assistance.
Refinancing with Exeter Finance is not available at this time. If you’re having problems making your payments, we may be able to help. Call (800) 321-9637 for assistance.
Submit two forms of identification that support the name change (e.g. driver’s license; marriage certificate; part of the divorce decree) and mail or fax them to the attention of Customer Service. Be sure to include your account number.
Mailing address:
Exeter Finance
Attn: Customer Service
2250 W. John Carpenter Freeway
Irving, TX 75063
Fax number:
(214) 572-8199
We work hard to keep your personal and financial information safe. Together, we can prevent your information from getting into the wrong hands. If you believe that an unauthorized person has accessed your account, call us immediately at (800) 321-9637.
The IRS requires us to file Form 1099-C, “Cancellation of Debt”, because we discharged a debt you owed of $600 or more. For more information contact the IRS or consult your tax advisor.
Not necessarily. Unless our contract with you specifically provides that we will not seek to recover a deficiency from you, the filing of the 1099-C simply reflects that Exeter has discontinued any further collection activity on this account.
No. Under applicable law Exeter is not required to file a revised 1099-C. Please consult your tax advisor or the IRS to determine the effect of any subsequent payments on your tax liability relating to the discharge of this indebtedness.
To request another copy please contact us at (844) 478-5451.
Please contact us at (844) 478-5451. Once we have supporting documentation we will issue a revised 1099-C if necessary.
Yes, to verify if your account is eligible, call (800) 321-9637.
Yes. The extension of the payment(s) will impact your original term. For example, if you have a 60 month term and receive a two month extension your term will now expire at the end of the 62nd month, not after the 60th month. However, the terms and provisions of the contract, except as herein modified, remain in full force and effect and are incorporated herein by reference.
Yes. During the payment extension period, interest will continue to accrue daily and may result in a larger final payment.
Yes. Please be aware that the extension of your payments does not include the extension of insurance and/or GAP coverage, if any, where a separate charge was included in the contract. For example, if you are in possession of a GAP product that originally covered your terms (i.e. 60 months) and receive a two month extension, anything after the 60 month term is not covered under the GAP contract.
The Buyer and Co-Buyer assume(s) full responsibility for extending such insurance and/or GAP coverage.
Ask your dealer about possible vendors to determine if you may be covered under a separate agreement.
This depends on the state in which you live.
The extension form delivered to you by Exeter expires in ten (10) days from the Date of the Notice. If you do not return the signed contract before the end of the ten days, the extension will not be processed.
MyAccount is a secure online portal that gives you 24/7 access to your Exeter account. Using a computer, tablet or mobile device, you can login anytime and make payments, set up email, securely email Customer Service, and more. Don’t have a login? Register today.
Yes, as long as you have Internet access. Once you register your account, you can use the same login credentials to access MyAccount on a computer, tablet or mobile device.
It’s easy. Simply go to https://myaccount.exeterfinance.com and click Register. You’ll be asked to provide basic account information and create a User ID and Password. Be sure to have your 7-digit Exeter account number handy, along with the last four digits of your (or the primary account holder’s) Social Security number, and the ZIP code associated with the mailing address on the account.
Your 7-digit account number can be found in the “ABOUT YOUR ACCOUNT” section of your monthly statement.
Look for these common errors: 1. Account Number – Delete “1001” at the end of the account number. 2. Social Security Number – Are you or someone else the primary account holder? Only the last four digits of the primary account holder’s Social Security number will be recognized 3. ZIP Code – Use the ZIP code associated with the billing address on the Exeter account. If you continue getting an error message, call (800) 321-9637 for assistance.
For the security of your account, your User ID and Password must meet these minimum requirements: User ID must be 6-50 characters in length. Password must be 8-20 characters in length and must contain at least one uppercase letter, one lowercase letter, one number and one special character (!@#$%^).
Follow these steps: 1. Navigate to MyAccount. 2. Click Forgot User ID or Forgot Password. 3. Enter your email address or select on screen validations 4. Watch for an email with your User ID or temporary password.
Call us at (800) 321-9637 if you need assistance.
Your online payment options include: 1. One-time ACH payments, using your checking or savings account. 2. Recurring ACH payments every month, using your checking or savings account. 3. Debit card payments. 4. ATM card payments
Yes. You can securely store your payment information in MyAccount and use it for future payments.
Activity will post immediately to your Exeter account. However, your bank may not debit the funds from your checking account for up to 48 hours.
After you make a payment in MyAccount, you’ll receive a confirmation number on the screen. Please write down the number or click Print and save a copy for your records.
Yes, as far back as September 2013. To see your payment history: 1. Log into MyAccount. 2. Click Account History in the left menu (IMPORTANT: Payments made outside the MyAccount portal may take up to 48 hours to display online).
Please send your monthly payments to the Exeter address shown on the front of the payment coupon at the bottom of your monthly statements. If you do not have a payment coupon, send your payment to: Exeter Finance, P.O. Box 650598, Dallas, TX 75265-0598. For overnight payments, please send your payment to: Exeter Finance LLC, C/O Deluxe – Lockbox #5598, 3000 Kellway Dr. Suite 120, Carrollton, TX 75006.
Additional payment options include: 1. Checking/Savings Account: Log into MyAccount and select Make a Payment. Be sure to have your checkbook available 2. Debit/ATM Card: Log into MyAccount. Click the debit card icon near the bottom of the page and follow the prompts, or call (800) 321-9637 to speak with a Customer Service representative. 3. Phone: Call (800) 321-9637 and use our automated payment service or speak with a Customer Service representative. (Restrictions may apply.) 4. MoneyGram: Go to MoneyGram or call (800) 555-3133 to find a store location near you. Our Receive Code is 1214. 5. Paysafe:cash: Pay your bill with cash at an authorized payment location (Fees may apply).
Yes, AutoPay is the most convenient way to make payments. To enroll in AutoPay, choose one of these options: 1. Log into MyAccount, select Recurring Payments, and follow the prompts; or 2. Complete and return an ACH Sign-Up Form included on the back of your monthly statement.
It is possible for there to be a brief period of time between payment and recognition of the payment within our systems, which could trigger a collection call. If this happens, tell the Customer Service representative that you have already paid and your account will be handled appropriately.
Online, through MyAccount. You have 24/7/365 access to your account with MyAccount. If you don’t have a login, go to https://myaccount.exeterfinance.com/ and register. It’s easy and free. You can also make payments over the phone. Just call (800) 321-9637 and follow the prompts.
Call (800) 321-9637 for assistance. Before you call, please have the following documents and information handy: a copy of your insurance estimates with the phone number, fax number, adjuster’s name, and date of loss; a copy of the auto body repair shop invoice; a copy of proof of payment receipt (if applicable), and pictures of the repaired vehicle (if applicable).
Make sure to sign the back of the check first, then mail it to Exeter Finance, P.O. Box 650693, Dallas, TX 75265-0693. We will also need the following documents before we endorse the check & mail it to the repair shop: a copy of your insurance estimates with the phone number, fax number, adjuster’s name, and date of loss; a copy of the auto body repair shop invoice; a copy of proof of payment receipt (if applicable); and pictures of the repaired vehicle (if applicable). You may also email these documents to [email protected]. Call (800) 321-9637 with questions.
To update or change your policy information, call (800) 243-0705. Mail insurance information/proof to: Exeter Finance, Attn: Insurance Dept., P.O. Box 369, Carmel, IN 46082. Fax insurance information to: (800) 422-9765.
You’re required to maintain Insurance that includes comprehensive and collision coverage with a maximum deductible of $1,000 each.
Contact us at 800-321-9637 or visit “My Account” at https://myaccount.exeterfinance.com
Payoff checks can be sent by standard delivery to Exeter Finance LLC, PO Box 650693, Dallas, TX 75265-0693. All overnight delivery of payoff checks should be sent to the following address: Exeter Finance LLC, C/O Deluxe – Lockbox #5598, 3000 Kellway Dr. Suite 120, Carrollton, TX 75006.
The certificate of title or lien satisfied is sent to the authorized party (person or entity who paid off the loan) in accordance with state-specific regulations after the payoff has been posted to your account and the account is paid in full.
Visit your local tax office and advise them that you are a new resident of the state and need to register your vehicle. Make sure they know that Exeter Finance is the lienholder.
If needed, all forms related to titles and registration, can be sent here: Exeter Finance, P.O. Box 166008, Irving, TX 75016.
You will need to call the dealership where you purchased your vehicle to see if your paperwork has been processed with the state. Each state and dealership have a different timeline for processing this request.
Contact us to let us know about your bankruptcy filing at (800) 321-9637.
A voluntary agreement between you and Exeter Finance to repay your contract involved in a bankruptcy.
Resume making payments on your contract with Exeter Finance.
Contact us at (800) 321-9637.
We understand this is a difficult time and are sorry for your loss. If you are a spouse, family member or executor of the estate, please contact us at (800) 321-9637 so that we can discuss next steps.
Contact us by calling (800) 321-9637 or writing to: Exeter Finance P.O. Box 166097 Irving, TX 75016
Yes, if your account qualifies for a due date change. Contact us at (800) 321-9637 to find out if your account qualifies.
We submit our reporting to the credit bureaus at the beginning of each month.
While Exeter is not a Credit Reporting Agency (“CRA”), see what the CRAs have to say about how long certain information stays on your credit report:
Equifax: How Long Does Information Stay on my Equifax Credit Report | Equifax
Experian: How Long Do Late Payments Stay on Credit Reports? - Experian
TransUnion: How Long Do Closed Accounts Stay on My Credit Report? | TransUnion
General information on credit reports and scores at CFPB: Credit reports and scores | Consumer Financial Protection Bureau (consumerfinance.gov)
If you believe Exeter Finance LLC reported incorrect or incomplete information about your account to the credit bureau, you can submit a dispute using one of two methods:
1. Submit your dispute to any of the credit reporting agencies via their website
Equifax: https://www.equifax.com
Experian: https://www.experian.com
Trans Union: https://dispute.transunion.com
2. Complete the Dispute letter form and send your dispute directly to Exeter Finance at either:
3. If your claim is specific to Identity Theft, please include the following information:
- Affidavit of fact or police report to support the claim
- Copy of Driver's License
Contact us at (800) 321-9637.
Contact us at (800) 321-9637.
Contact us at (800) 321-9637.
Contact us to discuss your options at (800) 321-9637.
Exeter Finance LLC, C/O Deluxe – Lockbox #5598, 3000 Kellway Dr. Suite 120, Carrollton, TX 75006.
Your payments are first applied to the interest that has accrued since the last payment was received. Any remaining amount will be applied towards your principal balance then any outstanding fees based on the status of your account. If you pay more than what is currently due, any remainder will be applied towards future payments. Paying ahead is permissible, and will be applied using the above payment allocation. If you would like a different payment allocation, please contact us at 800 321-9637.
| Non-mailed Payments | Payments Made/Cutoff | ||
|---|---|---|---|
| Method | Cutoff Time | Before Cutoff Time | After Cutoff Time |
| ACI: ACH & Debit | 7 p.m. CST | Same day | Next day |
| Moneygram |
8 p.m. CST | Same day | Next day |
| Western Union | 8 p.m. CST | Same day | Next day |
| Paysafecash | 9 p.m. CST | Same day | Next day |
Note: Payment could take up to 48 hours to reflect on account/statement
