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United Auto Credit sends all customers a monthly billing statement approximately two weeks prior to their scheduled due date. If you experience problems or have questions about your billing statement, please call us at (888) 695-6134.
If you do not receive your billing statement you can still make your payment as long as you have your United Auto Credit account number. Please visit our Payment Options page to review the different payment services available to you. If you choose to send your payments by mail please always write your name and your United Auto Credit account number on your check or money order, and allow five (5) days for mailing time to ensure that your payment is received on or before your due date. Do not mail cash.

All United Auto Credit account payments made by mail should be sent using the payment stub and return envelope provided with your monthly billing statement. If for any reason you do not receive your monthly billing statement and still wish to send your payment by mail, please use the following address:

United Auto Credit
PO Box 660017
Dallas, TX 75266-0017

Yes. To set up your United Auto Credit account for recurring monthly automatic withdrawal directly from your checking or savings account, visit our Payment Options page and following the instructions under Automatic Withdrawal. This service is FREE to United Auto Credit customers.

Our goal is to provide you with the most efficient funding process in the industry. If you have questions regarding the status of your deal you can contact our Funding Department at (866) 987-6508, or reach us online via live chat.

In addition to making payments by mail and recurring monthly automatic withdrawal, United Auto Credit offers customers a variety of options for making individual payments. Online and telephone payments may be made from your checking or savings account (ACH), ATM card (with a STAR, PULSE or NYCE logo), or credit card (Visa, Master Card or Discover). We have also partnered with ACE Cash Express, Western Union, MoneyGram and CheckFreePay services to accept your cash payments.

To see all of your payment options now, visit our Payment Options page. Please note that you will need your seventeen (17) digit United Auto Credit account number to complete your payment transaction, and that transaction fees apply to some of these payment options.

If your vehicle is impounded for any reason, please call United Auto Credit immediately at 888-895-6134 One of our representatives will be available to assist you. By acting quickly you have the best chance of expediting the return of your vehicle, and potentially saving yourself hundreds of dollars.

Insurance checks written for the repair of your vehicle or payment of your account are typically made payable to you and United Auto Credit. In some cases these checks will be made payable to the repair shop as well. Upon receipt of a check from your insurance company, please endorse the check and forward it to the following address:


United Auto Credit
PO BOX 845736
Los Angeles, CA 90084-5736

All Overnight Mail by special couriers should be sent to the actual site address listed below and should reflect the Lockbox Services and the Lockbox Number in the reference section of the air bill:


Lockbox Services 845736
Attn: United Auto Credit Corporation
3440 Flair Drive
El Monte, CA 91731

To view your payoff balance, log into your account and view the Payoff Balance section. The "Payoff Amount" line shows the total amount currently due to pay off your account. If you haven’t registered for an online account, you may also request the payoff balance by calling (888) 895-6134. You will be prompted to enter information specific to your account to generate a payoff amount that will be good for ten (10) days from the date you receive it.

If you wish to speak directly with a United Auto Credit representative, please call us at 888-895-6134 Representatives are available from 7:00 am to 9:00 pm (CT) Monday thru Thursday, 7:00 am to 7:00 pm (CT) on Friday, and 8:00 am to 12:00 pm on Saturday.

United Auto Credit does not currently offer customers a contract refinancing program.

No. All United Auto Credit payments are due on or before the scheduled due date, and are considered delinquent at one day past due. Interest charges will accrue on the full outstanding principal balance until the date your payment is received and posted to your account. Late charges may be assessed according to applicable state law.

Payments received for your United Auto Credit account will automatically be applied in the following order until the total amount of the payment has been used: 1) accrued interest due; 2) principal up to the amount necessary to pay the remaining balance of any past due or currently due payments and the next scheduled payment; 3) outstanding unpaid fees (i.e., late payment charges); 4) principal – after all past due payments and/or unpaid fees have been satisfied, any remaining funds from your payment will be applied directly to your principal balance. Although the amount applied to the principal balance may advance your due date (depending upon the amount) no additional interest charges will be assessed on the amount applied to principal.

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