Customer Center - Exeter Finance (2024)

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Customer Center - Exeter Finance (2)

Customers

Purchasing a vehicle is a big decision, and we are happy to take part in your journey. We look forward to providing the support you need and helping you pave the road to a successful future. You can utilize our useful online tools and rely on our dedicated customer service team to help you manage your account.

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  • New customer
  • Payment options
  • FAQ

New Customer

  • Customer Center - Exeter Finance (3)

    Help understanding your statement

    For an overview of your monthly statement, please check out this informative guide.

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    What is MyAccount?

    MyAccount is a secure online portal that gives you 24/7 access to your Exeter account.

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    Don’t have your account number yet?

    Your account number can be found on your Welcome Letter, Billing Statement, MyAccount or by contacting us at (800) 321-9637.

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    Need to register your account?

    In order to register an account, you will need your account number OR the ­last four digits of your social security number, ZIP code, and date of birth.

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    How can you make a payment?

    By mail, phone, online with MyAccount, recurring ACH,MoneyGram®, Western Union®, or Paysafe:cash.

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    Need to contact us?

    If you need to contact Exeter, you may call us at our main telephone number (toll free): (800) 321-9637.

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    What are Exeter’s hours of operation?

    Our standard hours of operation are:
    Mon. - Fri. 8:00 AM - 7:00 PM,
    Sat. 8:00 AM - 5:00 PM (CT).

Financial literacy

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    Easy access

    Our Financial Improvement Training (FIT) is totally free for customers to use. There's no obligation, and everything is online for easy access anywhere, anytime.

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    Helpful resources

    The FIT core curriculum includes easy-to-follow videos, tools, and other resources covering everything from budgeting and increasing your earning potential to managing credit and financial planning.

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    Free credit monitoring

    Get six months of credit monitoring for FREE when you complete the FIT core curriculum.


Get started now

How can I make my payment?

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    MyAccount

    The quickest way to pay is through MyAccount, with 24/7 access to your account and to make online debit card payments.

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    Recurring payment

    Enroll online today to set up fast and easy recurring payments from a bank account.
    (ACH recurring payment)

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    Telephone

    Access your account via our automated phone system 24/7. Contact us at (800) 321-9637.

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    MoneyGram®

    Send your payment through the convenience of MoneyGram® (fees may apply).

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    Western Union®

    Send your payment through the convenience of Western Union® (fees may apply).

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    Mail

    Make payments via mail: Exeter Finance P.O. Box 650598 Dallas, TX 75265-0598.

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    Paysafe:cash

    Send your payment through the convenience of Paysafe:cash (fees may apply).

Make a payment


Credit tips

Your payment history matters. That’s why we want to help you become a successful car owner. In a relatively short period of time, it’s possible to take a damaged credit history and turn it around. Your FICO® score is important, but banks and finance companies also look at other factors before extending credit to consumers -- like your payment history and account balances. Below are some steps you can take to help ensure your credit success.

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    Pay your bills on time

    The single biggest component of your credit score and a lender’s credit decision is how you pay your bills. The more bills you pay on time, the more confidence a new lender will have that you will pay them in the future.

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    Keep balances low

    Loan officers will likely look to see what your balances are as a percentage of your credit limit. Keeping your balances low shows that you can handle debt responsibly.

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    Budget

    Many consumers who struggle with credit issues simply have no idea how much they’re spending each month. Keep track of your expenses, prepare a budget, and stick to it. You may be surprised how easy it is to eliminate unnecessary expenses and take control of your finances. Ideally, lenders want to see that you have managed your fixed expenses to less than 30-40% of your gross monthly income. The lower the percentage, the better.

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    Close unused accounts

    Too many open lines of credit send up a red flag with lenders. They’re often concerned that you may overburden yourself and become credit-stressed. It is wise to keep only those accounts you need. Hold onto your oldest accounts, because they demonstrate your ability to maintain credit over a longer period of time.

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    Pay more than the minimum

    You should pay more than the minimum required each month on revolving accounts like credit cards. You’ll pay down your balance faster, and in turn, pay less interest.

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    See how the timing of payments impacts the interest you pay

    Learn more about how daily simple interest is calculated and how the timing of payments can impact the amount of interest you pay.

Your simple interest loan explained


A simple interest loan is just that: simple. Interest is the cost of borrowing money to finance your loan. Interest accrues daily on the unpaid balance of your contract. With each payment, interest is paid down first, and the remaining amount of your payment is applied to the principal and any fees on your account. The more days between payments, the more interest you will pay. The less days between payments, the less interest you will pay. Missed payments and other factors such as due date changes and payment extensions can lead to more interest as interest accrues daily between payments. Making payments early and for more than the minimum amount due can lead to less interest and an early payoff.

Frequently Asked Questions

View all FAQs

May I request a payment extension?

Yes, to verify if your account is eligible, call (800) 321-9637.

How do I request a name change on my account?

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

Can I refinance?

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.

I received a letter from Exeter, but I don’t have an Exeter account. What should I do?

If you recently applied for financing to purchase a car, the dealership may have presented your application to several finance companies, including Exeter Finance. 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.

I think my debit card or bank account number was used fraudulently to make a payment. What can I do?

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.

How can I dispute my credit bureau report?

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:

Mail:
Exeter Finance LLC
P.O. Box 166097
Irving, TX 75016

Email:
[emailprotected]

In doing so, please identify the information and tell us why you believe it is incorrect or incomplete. If you have a copy of the credit report which shows the disputed information, please include a copy.

Reviews

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Customer Center - Exeter Finance (2024)

FAQs

Customer Center - Exeter Finance? ›

Contact us at (800) 321-9637.

Does Exeter Finance let you skip a payment? ›

CarMax partner Exeter Finance makes high-interest loans to people with troubled financial histories. It allows borrowers to skip payments but often adds thousands of dollars in new charges — costs that customers say Exeter didn't tell them about.

How many missed payments before repo exeter finance? ›

It depends on where you live and the terms of your contract, but usually Exeter Finance will repo cars after 3-5 months of missed payments on an auto loan.

What is Exeter Finance customer service number? ›

Contact us at (800) 321-9637.

Is there a lawsuit against Exeter Finance? ›

Edgar Rivera shares this sentiment and filed an action against Exeter Finance Corp., an auto loan financing company whose autodial system allegedly called him without his consent over two hundred times, sometimes in the early morning hours and as many as seven times a day.

How many payments can you miss before? ›

Key Takeaways. In general, a lender won't begin foreclosure until you've missed four consecutive mortgage payments.

How many times can you defer a payment? ›

If you qualify for deferment, you can request one for up to 12 payment periods under most circumstances. However, you cannot ask for these deferments consecutively. Once you apply for one, you should wait at least a year before you request another one.

How many car payments can you fall behind? ›

Even falling one payment behind is enough for a lender to repossess your car. Usually, a loan is two or three months behind before the lender initiates a repossession. At that point, the lender can seize the vehicle, often without warning, and then sell it to recover the loan balance.

What happens if you miss 1 finance payment? ›

Your missed payment will be reflected on credit bureaus and your credit score will likely decrease. If you have an Access Bond facility on your Home Loan, revolving personal loan or credit card, these facilities may be cancelled.

How many loan payments can you miss before defaulting? ›

In most cases, a lender will not send a homeowner a notice of default until the loan is 90 days past due or there have been three missed mortgage payments. Some lenders will wait longer, while others may send a default notice sooner. This is because 90 days is only a common practice, not a legal one.

What is a good APR for a car? ›

Generally, a good APR for a car loan might look something like this: Excellent Credit (750+): 3% or lower for new cars, 4% or lower for used cars. Good Credit (700-749): 4-5% for new cars, 5-6% for used cars. Fair Credit (650-699): 6-7% for new cars, 7-8% for used cars.

Who is Exeter Finance owned by? ›

Exeter Finance announces investment from Warburg Pincus-led investor group. Exeter Finance LLC, a leading indirect auto finance company, announced today that it has entered into a definitive agreement to be acquired by an investor group led by Warburg Pincus from funds managed by...

Can I refinance my car loan? ›

Can I refinance my car with the same lender? Yes, many lenders will allow you to refinance your existing car loan. Keep in mind that lenders may not offer refinancing as an option.

How do I file a complaint against Exeter Finance company? ›

To report a problem or complaint with this lender you may write Exeter Customer Service, Exeter Finance P.O. Box 166008, Irving, TX 75106, email customerservice@exeterfinance.com, or call 800-321-9637.

Who bought out Exeter? ›

Subprime lender Exeter Finance is being acquired by an investor group led by private equity firm Warburg Pincus from funds managed by Blackstone, Exeter announced today. The transaction is expected to close by yearend 2021. Jason Grubb will remain chief executive of the subprime lender.

How many customers does Exeter Finance have? ›

About Exeter Finance

The company currently works with more than 11,000 dealers and over 400,000 customers nationwide providing indirect financing for both new and used vehicles.

Can you skip payment on vehicle loan? ›

If you need to skip a payment, a payment deferment on a car loan will help you avoid repossession. Sometimes, your auto loan will even have a built-in deferment policy. Regardless, you can't defer a car payment without the approval of your lender.

Can you skip a month of loan payment? ›

Most lenders will restrict how often you can skip a loan payment to prevent it from negatively affecting your loan. Typically, you can skip a payment once every six to twelve months. However, assume you have a 6-year (72-month) auto loan, and you skip a payment every six months.

Does it hurt your credit to skip a payment? ›

You can skip a payment at any time according to the terms of the program (account in good standing, haven't skipped in the last six months, etc.). Does Skip-a-Pay affect my credit score? In most cases, using Skip-a-Pay will not negatively impact your credit score.

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