Frequently Asked Questions

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 10:00 pm (CT) Monday thru Thursday, 7:00 am to 8:00 pm (CT) on Friday, and 8:00 am to 12:00 pm (CT) on Saturday.

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

UACC offers limited-English speaking consumers the ability to communicate over the phone in multiple languages with a representative or through a translation service, if you consent, that may assist you. New York City residents can find a translation and description of commonly-used debt collection terms in multiple languages on the New York City Department of Consumer and Affairs website at www.nyc.gov/dca

If you wish to take your vehicle out of the country, you will need to request a Letter of Permission. Please email CustomerSupport@unitedautocredit.net and include the following items:

• Exact dates of departure and return to the United States
• A copy of the vehicle registration indicating that the registration is current
• The vehicle year, make, model, and VIN
• Proof of insurance for all dates the vehicle will be outside the United States

If you are relocating and need to transport the vehicle overseas, you will need a Marine Transport Authorization form. Please email CustomerSupport@unitedautocredit.net and include the following items:

• A copy of your contract with the transporter
• Proof of current comprehensive and collision insurance coverage paid through the anticipated delivery date of the vehicle at the destination port
• Your new address and contact information, and garaging location of the vehicle following the transport

Please be aware that access to both of these documents is contingent upon management approval.

To authorize someone on your account, please call 888-895-6134 and speak to one of our representatives. Please be prepared to provide us with the authorized person’s name, phone number, and relationship to you.

Please call us at (888) 895-6134 so we can go over the requirements.

Please make sure to provide us with your attorney's name, address, and phone number, and case number if available. For further information please call (888) 376-7148.

An Adverse Action notice is when the credit terms for which you applied were not approved. Sometimes, you may receive an Adverse Action notice even if your contract terms were approved and are now financed through us. This is typically because two or more different contract terms were submitted and not all were approved.

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 follow the instructions under Automatic Withdrawal. This service is FREE to United Auto Credit customers.

You can call (888) 895-6134 or chat with a live representative and request for the Automatic Withdrawal to be cancelled. We advise for you to request your cancellation at least 48 hours before the withdrawal date.

While your United Auto Credit account will reflect your payment as of the scheduled withdrawal date, Automatic Withdrawal and ACH payments may take three to five business days for the funds to come out of your bank account.

We can send you a new Automatic Withdrawal form to be filled out with your desired amount. Please keep in mind the Automatic Withdrawal can only be set up for your regular payment amount or more.

You may locate your account number on your welcome letter or the top left corner of your billing statement. You may also contact a representative at (888) 895-6134 to obtain your account number verbally.

To enroll, click here.
You will need your seventeen (17) digit United Auto Credit account number to complete the enrollment process. If for any reason you do not receive your monthly billing statement, please contact a United Auto Credit Representative at (888) 895-6134 for further support. A representative may also send you an Auto Withdrawal form via e-mail, fax or regular mail.

United Auto Credit gives you access to online statements for the past 12 months. To request an older statement, please contact Customer Service at (888) 895-6134.

United Auto Credit offers customers access to their statements online. To switch to paperless billing, log in to your account, go to My Services, Sign Up for Paperless billing. You may also request this change by contacting Customer Service at (888) 895-6134.

Yes, you may stay connected and receive text alerts for upcoming payments and payment confirmations. To sign up, log in to your account, go to My Services, Set Up Text Alerts. You may also sign up for text alerts by contacting Customer Service at (888) 895-6134.

You may edit your address, home phone number, cell phone and e-mail address online. In order to do so, log in to your account, go to My Services, Update My Account and click on edit to update your contact information. Once you’re done entering the desired changes, click on Update Profile. You may also request these changes or additional changes by contacting Customer Service at (888) 895-6134.

You may update your password online. To do so, log in to your online account, go to: My Settings – Change Password – Edit. Once you’re done entering the desired changes, click on Change Password.

To retrieve your username, click here. You must enter the e-mail address associated with your online account. For additional assistance, contact us at (888) 895-6134.

To reset your password, click here.

If you are attempting to enroll using your smart phone, we recommend signing up from a desktop computer. If you continue to experience issues, contact us at (888) 895-6134.

If your active duty date is after the origination of your contract with United Auto Credit, you may qualify for SCRA relief. You can send in a copy of your orders via email to CustomerSupport@unitedautocredit.net for review.

GAP is an optional product that can be purchased when originating your contract. The purpose of GAP is to reduce the amount owed (also referred to as a GAP benefit) should your vehicle be totaled and your insurance claim does not pay the entire remaining balance on your account.
The reduction amount depends on various factors such as delinquent payments, whether you have received extensions, and more.
GAP does not cover repair costs or required maintenance for the vehicle.
A warranty can be purchased when the contract is originated to provide coverage for specific repairs or breakdowns as indicated in the warranty policy.
Warranties have an expiration date based on the mileage and age of the contract. It is important to familiarize yourself with this information so you’re aware of all available options should you need to make repairs to your vehicle.

To confirm GAP coverage please contact us at (888) 895-6134 or visit our website https://www.unitedautocredit.net and live chat with a representative today.

A GAP claim is filed and the process is started by us once we have received the insurance settlement for the account. However, if at the time of the accident there was no primary insurance coverage, you will need to file a police report. The police report must then be submitted to us for review. The GAP claim process can take up to 30 days from the date that the insurance check or the police report was received.

A warranty can be purchased and financed on your contract when you purchase your vehicle. Alternatively, you can purchase a warranty separate from your United Auto Credit contract through a third party. While United Auto Credit finances warranties included with the contract, it does not directly sell warranties as a product.

You can always submit an application for a vehicle at one of our partnered dealerships. If you would like more information on partnered dealerships in your area, please click here and fill out the required information or call us at (888) 895-6134.

If your vehicle has been repossessed, please contact our Reinstatement team at (866) 987-6516.

If your vehicle is impounded, please call United Auto Credit immediately at (866) 532-7017. You will need to contact us with the current location of the vehicle, contact information for the location (phone number, location name and address), the date the vehicle was impounded, the amount of any storage fees and the cost of repairs required (if applicable). By acting quickly, you have the best chance of expediting the return of your vehicle, and potentially saving yourself hundreds of dollars.

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

You can also download a copy of your statement from our website by logging in. Once you are logged in, go to My Services, View Statements.

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/Phone: Online and telephone payments may be made from your checking or savings account (ACH), ATM card (with a STAR, PULSE or NYCE logo), or debit card (Visa, Mastercard or Discover).

Cash: We have also partnered with PayNearMe at 7-Eleven and CVS as well as CheckFreePay locations, Western Union and MoneyGram 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 all of these payment options except ACH and payments by mail.

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, reach out via Live Chat, or email us at MyUACExperience@unitedautocredit.net.

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.

You can change your due date once during the life of your contract. To qualify for a due date change, your account must be current or be brought current once the due date change has taken effect.

No. All payments are due on or before the scheduled due date, and are considered delinquent at one day past due. Finance charges will accrue on the full outstanding principal balance until the date your payment is received and posted to your account. Late charges are assessed to your account after a certain number of days past due, according to state law or your contract. We highly recommend you make early or on-time payments to avoid added finance and late charges.

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 finance charges 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 finance charges will be assessed on the amount applied to principal.

To view your payoff balance, log in to 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.

Yes, you can! Click here to sign up for paperless billing.

We have a number of tools to assist customers in keeping their accounts up to date, and avoid the stress of past due payments while they recover from unexpected financial difficulties. Communication is the key. The sooner you let us know, the more options we have to offer.

Finance charges accrue on a daily basis on the unpaid principal balance and it is always based on the principal balance. Interest on interest is not charged.

When you trade your vehicle in with a dealership, the dealer should pay the remaining balance on your account as part of the new transaction. However, until United Auto Credit receives the payoff from the dealer, you will remain responsible for the balance on the account and making payments on time.

There are two ways you can send your insurance information for verification:

Mail:

P.O. Box 164129
Fort Worth, TX 76161

Email: CustomerSupport@unitedautocredit.net

If your vehicle was involved in an accident, you will need to contact your insurance company and us right after. The Insurance department with United Auto Credit can be contacted between 8:00 AM and 5:00 PM Monday through Friday CT at (817) 576-5171. Please provide us with the name and phone number of the insurance company, the claim number, the adjuster’s name and the date of the accident.

You are required to have full coverage on the vehicle with a maximum Comprehensive and Collision deductible of $1,000. Insurance is required for your vehicle throughout the entirety of your contract. The buyer or co-buyer (if applicable) need to be listed as drivers on the policy and United Auto Credit must be listed as the lien holder/loss payee.

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

We are always happy to hear when our customers have received the quality of service we aim to deliver. We would love to hear from you on our Google page; you can visit it by clicking this link.

We are always looking for ways to be better. If your experience has been less than positive, we would appreciate the opportunity to discuss it with you. Please reach out to us at MyUACExperience@unitedautocredit.net.

Yes, we report to Equifax, Experian and Transunion.

You can file a credit dispute directly with Equifax, Experian, and Transunion either online or by mail. You can also submit a dispute directly with us either by mail at

P.O. Box 164129
Fort Worth, TX 76161

The first step is to visit the website or local office that maintains vehicle registration and/or titles of the state where you recently relocated. You can obtain information regarding individual state requirements and/or time frames in which the transfer of registration must be completed. If you are unsure how to access the website for your state, you can use google or your internet search bar and search for your state DMV. From these sites, you can access and download forms you may need, get general information regarding standard transactions, and/or obtain contact information for your local DMV or tag office so you may ask more specific questions. If you are member of the AAA, you can also go to the local AAA office and process registration documents through the AAA.

In the event that your state requires the existing title be surrendered in order to reissue a new title, please request the title clerk at your local DMV or tag office to send United Auto Credit a request for the title. Be advised that United Auto Credit must be listed as the first lienholder on the new title. The request can be emailed to Titles@uacc.net or mailed to:

United Auto Credit
Title Department
PO BOX 163049
Fort Worth, TX 76161

Once the request is received from the DMV or tag office, United Auto Credit will arrange for the title to be mailed directly to the DMV or tag office making the request. Please allow a minimum of three (3) weeks for the DMV or tag office to receive and process the request for the new title. All requests for title are sent via regular, first-class mail.

For customers in KY, MD, MI, MN, and MO: You should receive your new title directly from the state DMV shortly after purchasing the vehicle. If you previously resided in one of these states and do not have the title, you will need to contact the DMV or tag office in your former state of residence in order to obtain a duplicate title.

For customers in AZ, CA, FL, GA, HI, ID, KS, LA, MA, NE, NY, OH, PA, SC, TX, VA, WA, and WI: These states offer and/or require electronic titles. You will be responsible for the payment of all fees and expenses associated with the processing of a duplicate title.

If you would like to check the status of your State-to-State transfer request, or have additional questions, you may contact United Auto Credit’s Title Department at (888) 376-7149.

Under certain circumstances at the sole discretion of United Auto Credit, yes.

• To ADD someone to your title:
  • If a customer is on the contract but not on the title, they can be added. If they are not listed on the contract, they cannot be added to the title.


• To REMOVE someone from your title
  • In the case of death and other special situations, a name may be removed from the title with the appropriate documentation (i.e., death certificate, divorce decree, or court documents).
    Note: Even if a name is removed from the title, all parties on the contract will remain contractually obligated to make payments.


• To CHANGE your name on a title:
  • A name may be changed due to marriage, divorce, or formal name change with appropriate documentation (i.e., marriage license, divorce decree, or court documents).

NOTE: You are responsible for the payments of all fees and expenses associated with these transactions.

Once your contract/account balance has been satisfied in full, the title release process will begin. Final payment by certified funds (cashier’s check/Cash payment at a designated payment site) could allow for a quicker release of your title versus final payment by non-certified funds (personal check or ACH). United Auto Credit typically sends the appropriate paid in full documents via regular, first-class mail within 10 business days of the account balance being satisfied. If United Auto Credit is listed as the lien holder on your title, you will receive the title or release of lien in a separate mailing.

For titles in the state of Florida and Ohio, you must go to your local DMV to obtain the paper title. In California and Massachusetts, the title will only be sent to the address listed on your account with United Auto Credit; therefore, you must confirm your current address with United Auto Credit.

If you received the title from United Auto Credit it is recommended that you visit your local DMV or tag office and apply for a lien-free title. A lien remains attached to the VIN in the state’s system of record until you, the registered owner, request that it be removed and show proof that the lien has been paid. If you choose not to apply for a lien-free title, and the title is misplaced or damaged in any way, you will then need to contact United Auto Credit for a release of lien before you will be able to apply for a duplicate title from your state. The fee to apply for a lien-free title varies by state. You are responsible for the payments of all fees and expenses associated with these transactions.

If your vehicle is titled in AZ, CA, CO, FL, GA, ID, IA, LA, MA, NE, NV, NY, NC, OH, PA, SC, SD, WI, TX, VA, WA: United Auto Credit’s lien is recorded electronically; therefore, United Auto Credit will contact your state’s titling agency to remove it’s lien from your title. If you need a paper title, please visit your state titling agency’s website for information on obtaining a paper title.

You may sell or trade in your vehicle; however, United Auto Credit will release its lien and/or title only after the contract has been satisfied in full. Once the account is satisfied in full, United Auto Credit will forward either the respective document or a release of lien to the registered owner or other authorized party. The document sent by United Auto Credit will need to be attached to the title in order to complete any future transactions with that title. Request must be received in writing at the time of final payment to authorize the release of the title/lien to anyone other than the registered owner of the vehicle. The United Auto Credit account holder is responsible for the completion of the payoff regardless if the funds come from a 3rd party. If you have questions or need a payoff authorization form, please contact us at 866-253-8910.

If you trade in your vehicle to a dealer, the dealership will typically take care of an account payoff and title collection as part of the transaction. Once the account has been satisfied, title release documents will be forwarded directly to the dealership that paid off the account. Be advised, that you will remain contractually obligated for payments, interest, and late fees until a payoff is received. Make sure that the trade-in is listed on the new contract as a trade and reflects the payoff to United Auto Credit.

You may be entitled to receive a refund of a portion of your GAP fee if you paid your contract (satisfied in full) before the original contract maturity date, and you have not previously cancelled your GAP benefits, or received a GAP benefit, subject to terms of that agreement. The GAP refund will be processed automatically, as required by state law.

If you have any questions about your GAP refund, contact (888) 895-6134 for more information and/or refer to your GAP agreement.

If you received a title with lien release from us, you may transfer ownership and remove the lien in one transaction by signing over the title to the new owner on the back of the title.

If you live in KY, MD, MI, MN, MO, MT, NY, OK, SD: you should have received your title from the state shortly after you purchased your vehicle. You can attach the release of lien document you receive from United Auto Credit to the title and sign over ownership of the vehicle. If, however, you did not receive or have misplaced the title, you will need to apply for a duplicate title before moving forward with the sale of your vehicle. If you have received a release of lien and do NOT live in one of the states listed, you will need to apply for a duplicate title before moving forward with the sale of your vehicle.

If you have additional questions regarding how to transfer the title of your vehicle, visit your state website or local DMV or tag office.

If you paid your account off over 20 business days ago, please contact United Auto Credit at (888) 376-7149 or email to Titles@uacc.net.

United Auto Credit will provide you with a lien release and then you are responsible for obtaining a duplicate title from the DMV.

Please contact United Auto Credit’s Title Department at (888) 376-7149. They will be able to provide you with a lien release. If your account was satisfied more than 20 days ago, please contact the Title Department at (888) 376-7149 or send an email to Titles@uacc.net.

Contact United Auto Credit’s Title Department at (888) 376-7149 or send an email to Titles@uacc.net and advice of lienholder name.

Email a copy of your ID, current address, VIN, vehicle make and model to United Auto Credit to Titles@uacc.net.