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When you finance the purchase of a vehicle with Exeter, you’re taking the next step toward establishing payment history. We look forward to providing support along the way and helping you keep moving in the right direction.

Visit our Customer Center

Financial literacy

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.

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.

Free credit monitoring

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

How can I make a payment?

MyAccount

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

Recurring payment

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

Telephone

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

MoneyGram®

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

Western Union®

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

Mail

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

Paysafe:cash

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

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.

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.

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.

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.

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.

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.

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.

What is a simple interest loan?

Simple interest is an accrual method on our loans. It means the loan accrues interest on a daily basis on the unpaid principal balance on your contract. Interest is the rate that’s charged for the use of the money financed. Interest continues to accrue until your account is paid off. With each payment you make, accrued interest will be paid down first, and the remaining amount of your payment will then be applied to the principal and any fees on your account. The amount of interest that is taken out of each payment depends on how many days have elapsed between payments. The more days between payments, the more interest you will pay.

Frequently Asked Questions

May I request a payment extension?
add
Yes, to verify if your account is eligible, call (800) 321-9637.
How do I request a name change on MyAccount?
add
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?
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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?
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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 fraudulently to make a payment. What can I do?
add
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?
add
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:
customerservice@exeterfinance.comIn 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.

Make a payment today

By making payments consistently and on time, you enhance your future credit potential.

We are always looking for the best to join the Exeter family

Our team is integral to our success. If you are passionate and hardworking, you'll feel right at home at Exeter.

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We are always looking for the best to join the  
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Our team is integral to our success.

If you are passionate and hardworking, you’ll feel right at home at Exeter.

Join thousands of entrepreneurs
4.1
TrustScore

Our customers come first. And it shows.

Maruiz B.

5-star review

Friendly Customer service. The agent was patient and very knowledgeable. He answered all my questions. Thank you!

Gary R.

5-star review

I was searching for someone to loan me the money for a new or vehicle not a brand new one my credit has been poor since my divorce and Exeter help get me into a decent vehicle

Margaret M.

5 star review

I think Exeter did an excellent job I work in the automobile industry and I will definitely recommend them I'm grateful to Exeter Southwest Nissan it is nice to know that there are people who will still give you a chance when you have had hard luck through no fault of your own ✔️

J.C.

5-star review

Super thorough even got two welcome calls - called to get my account number and everyone was pleasant - setting up my online account now!

John C.

5-star review

The caller was friendly. Updated my primary phone number with her. Easy.

Angie J.

4-star review

I wouldn't necessity call it an experience. Everyone involved in getting my new car was very professional and helpful.

Carrie R.

5-star review

I had a great welcome call to my new finance company for my Car . The lady went over all the details and asked me questions and helped me answer anything that I needed . I'm happy I went through this company. I look forward to being a customer for many years to come.

Miss Kia

4-star review

I gave it four ⭐️ initially because it took some time getting through to customer service. Overall, purchased a vehicle from Bob Bell with little to no hassle. Exeter Finance was able to provide electronic documents/contracts for my convenience and I was in and out of the dealership in less than 2hours. Also, when I was denied loans for my “compromised credit “, Exeter Finance came through and my payments for my truck are very, very low and affordable!! Thanks 😊

Joshua L.

5-star review

I am very happy with Exeter finance they approved my loan despite having less than perfect credit. Now I drive a safer car that gets nearly twice as good of gas mileage. Thank you Exeter.

Sharon

4-star review

Although I've just begun my relationship with Exeter Finance, my experience so far has been great and the process to complete was quick and easy.

Maruiz B.

5-star review

Friendly Customer service. The agent was patient and very knowledgeable. He answered all my questions. Thank you!

Gary R.

5-star review

I was searching for someone to loan me the money for a new or vehicle not a brand new one my credit has been poor since my divorce and Exeter help get me into a decent vehicle

Margaret M.

5 star review

I think Exeter did an excellent job I work in the automobile industry and I will definitely recommend them I'm grateful to Exeter Southwest Nissan it is nice to know that there are people who will still give you a chance when you have had hard luck through no fault of your own ✔️

J.C.

5-star review

Super thorough even got two welcome calls - called to get my account number and everyone was pleasant - setting up my online account now!

John C.

5-star review

The caller was friendly. Updated my primary phone number with her. Easy.

Angie J.

4-star review

I wouldn't necessity call it an experience. Everyone involved in getting my new car was very professional and helpful.

Carrie R.

5-star review

I had a great welcome call to my new finance company for my Car . The lady went over all the details and asked me questions and helped me answer anything that I needed . I'm happy I went through this company. I look forward to being a customer for many years to come.

Miss Kia

4-star review

I gave it four ⭐️ initially because it took some time getting through to customer service. Overall, purchased a vehicle from Bob Bell with little to no hassle. Exeter Finance was able to provide electronic documents/contracts for my convenience and I was in and out of the dealership in less than 2hours. Also, when I was denied loans for my “compromised credit “, Exeter Finance came through and my payments for my truck are very, very low and affordable!! Thanks 😊

Joshua L.

5-star review

I am very happy with Exeter finance they approved my loan despite having less than perfect credit. Now I drive a safer car that gets nearly twice as good of gas mileage. Thank you Exeter.

Sharon

4-star review

Although I've just begun my relationship with Exeter Finance, my experience so far has been great and the process to complete was quick and easy.

We are always looking for the best to join the Exeter family

Our team is integral to our success. If you are passionate and hardworking, you'll feel right at home at Exeter.

Get in touch with our team.

We can help.

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