Learn about how we service your line
We may charge off your loan if you stopped making payments for a few months.
If your loan was charged off, it may have been sent to a debt collection agency. To get the debt collection agency details you can sign in to your account and select the charged off loan. The details will be shown at the top of the loan details page.
If your refund amount is less than your outstanding balance, it might not lower your upcoming payment. Instead, you can expect fewer scheduled payments, a smaller final payment, or both.
If your refund amount is more than your outstanding balance, you’ll get back the difference. We’ll send you a reimbursement to your bank account on file within 3-10 business days. If you don’t have a valid bank account you can add one. You may also request to receive the reimbursement as a check mailed to your home address.
Please contact us if you made an online payment that you didn’t mean to make. Payment reversal requests must be made no more than 3 business days after you submit the payment.
We are not always able to reverse a payment due to limitations with payment processors, banking institutions, and card networks.
If possible, we’ll reverse the full amount of the payment after it has been processed. You should receive the funds in your bank account or on your debit card in 5-10 business days, depending on your financial institution.
You can cancel a scheduled payment if it was not processed yet, normally up to 24 hours before the payment date. To cancel a future payment:
You can stop an automatic payment if it was not processed yet, normally up to 24 hours before the payment date. See how to turn off Autopay.
To get your payoff statement:
To check your loan balance:
If you pay more than the amount that is due, the extra amount goes toward your loan balance. If your loan is current, an extra amount is normally applied toward the loan principal. As a result you can expect fewer scheduled payments, a smaller final payment, or both.
If you experience a financial hardship, please learn about your options.
If you are going to be late on a payment or your payment failed, please sign in to your account and schedule a payment as soon as possible.
We may charge you late fees.
After you schedule a payment, you’ll continue to receive reminders by email and/or text messages but you won’t receive collection calls.
We’ll send you payment reminders 3 days before each due date. If you don’t want to receive reminders on your loans in a good status, you can update your communication preferences.
If your loan has an overdue balance, we’ll send you additional reminders.
Checks may take up to 10 business days to process. If you want a faster way to pay you can use a bank account (ACH) or a debit card.
To pay with a check:
If you forget to include the loan ID, your payment will go toward the oldest active loan. If your check is higher than the outstanding balance, your loan will be paid off and you’ll receive a reimbursement for the difference.
You can pay loans with your bank account (ACH), debit card or mail us a check.
To add a new payment method:
To see when your payments are due:
If you have multiple loans, each loan might have a different due dates schedule. We’ll send you reminders so you don’t forget to pay on time.
You can make automatic payments by turning on Autopay. Autopay automatically debits your payment from a selected payment method, debit card or bank account, on each Autopay due date. Autopay can be aligned with loan payment due dates or more frequent.
Turn on Autopay
Autopay won’t automatically debit an overdue amount. To pay that amount, please make or schedule a one-time payment on your loan.
Turn off Autopay
Autopay payments that were already processed cannot be cancelled. To stop an Autopay payment that was not processed yet, you need to turn off Autopay 24 hours before the payment date.
You can make or schedule payment online:
We understand this is a difficult time. If you experience financial hardship, please contact us and we’ll do everything we can to help you through the situation.
If you have filed a case with the bankruptcy court, we ask that you contact us with the following information: Your full name, username or email address, mobile phone, attorney information (if you have one), Court case number, Chapter filed (7, 11 or 13), Date case was filed.
Alternatively, you can ask your attorney to mail a copy of your bankruptcy petition to :Carputty 3565 Piedmont Road NE, Two Piedmont Center, Building 2 Suite 225, Atlanta, GA 30305
You are not responsible for any unauthorized activities. If you believe fraud occurred on your account please contact us immediately and we’ll do everything we can to help you.
The California Consumer Privacy Act (CCPA) allows California residents to: Opt out of marketing Request a copy of personal data we have on file about you Request that we delete this data Opt out of having your personal data sold to third parties
Our responses to requests may be limited due to exceptions under the CCPA that relate to financial data. For example, due to financial regulations, we aren’t able to delete some data related to your account or loans. We are not using cookies to track your activity on the website.
To securely upload and send documents: Sign in to your account. Navigate to Account settings. Scroll to the Upload Documents section and click or tap on Upload document(s).
To keep your personal information safe, documents will not be accessible after you successfully upload them. Our customer support team will review them internally.
We cannot receive documents as attachments to emails.
If you need to mail physical documents, please use the address located in the contact us page.
You can find your loan ID in most emails related to your loan. It’s also located in your online account: Sign in to your account. Choose a loan in the Active Loans section. Look for a LOAN ID in the loan details page.
Your loan ID is unique. If you have multiple loans, each loan will have a different loan ID. Make sure you use the right loan ID when you contact us.
To see your active loans: Sign in to your account. Choose a loan in the Active Loans section.
To see your past loans: Sign in to your account. Click or tap on View past loans in the Active Loans section. Choose a loan.
You can change your email and text notifications: Sign in to your account. Navigate to Account settings. If you don’t want to receive text messages, uncheck Receive text messages about my loan next to your Mobile Phone number. If you don’t want to receive email payment reminders when your loan is current, uncheck Don’t send payment reminders when my loan is current. Keep in mind, we can’t stop email notifications about regulatory information, payments status and overdue loans.
To update your contact information: Sign in to your account. Navigate to Account settings. Click or tap on Edit located near the information you want to update. For some updates we’ll send you a one-time code to verify the change.
To keep your account secured you cannot update your personal information such as name, date of birth or Social Security Number. To update your personal information please contact us at email@example.com.
Unfortunately, we can’t change your payment due dates or offer you more time to pay. If you are experiencing a financial hardship, contact us.
We currently don’t report loans to credit bureaus.