FAQ

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.

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.

How do I request a name change on MyAccount?

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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

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

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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.

Why did I receive a 1099-C?

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The IRS requires us to file Form 1099-C, “Cancellation of Debt”, because we discharged a debt you owed of $600 or more. For more information contact the IRS or consult your tax advisor.

Why did I receive a 1099-C, does this mean that I don't owe a balance on my account?

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Not necessarily. Unless our contract with you specifically provides that we will not seek to recover a deficiency from you, the filing of the 1099-C simply reflects that Exeter has discontinued any further collection activity on this account.

If I make a payment on my account will Exeter send me a revised 1099-C?

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No. Under applicable law Exeter is not required to file a revised 1099-C. Please consult your tax advisor or the IRS to determine the effect of any subsequent payments on your tax liability relating to the discharge of this indebtedness.

I lost the 1099-C that was mailed to me. How can I request another copy of my 1099-C?

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To request another copy please contact us at (844) 478-5451.

What should I do if my 1099-C does not have the correct information?

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Please contact us at (844) 478-5451. Once we have supporting documentation we will issue a revised 1099-C if necessary.

May I request a payment extension?

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

Will the extension have any impact on my account/contract?

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Yes. The extension of the payment(s) will impact your original term. For example, if you have a 60 month term and receive a two month extension your term will now expire at the end of the 62nd month, not after the 60th month. However, the terms and provisions of the contract, except as herein modified, remain in full force and effect and are incorporated herein by reference.

Does interest continue to accrue if I get an extension?

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Yes. During the payment extension period, interest will continue to accrue daily and may result in a larger final payment.

Will the extension impact my insurance or GAP coverage?

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Yes. Please be aware that the extension of your payments does not include the extension of insurance and/or GAP coverage, if any, where a separate charge was included in the contract. For example, if you are in possession of a GAP product that originally covered your terms (i.e. 60 months) and receive a two month extension, anything after the 60 month term is not covered under the GAP contract.

Who’s responsible for insurance or GAP coverage?

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The Buyer and Co-Buyer assume(s) full responsibility for extending such insurance and/or GAP coverage.

Can I get extended GAP Coverage?

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Ask your dealer about possible vendors to determine if you may be covered under a separate agreement.

Must I sign an agreement to get my extension?

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This depends on the state in which you live.

If I have to sign an extension when does it expire?

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The extension form delivered to you by Exeter expires in ten (10) days from the Date of the Notice. If you do not return the signed contract before the end of the ten days, the extension will not be processed.

What is MyAccount?

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MyAccount is a secure online portal that gives you 24/7 access to your Exeter account. Using a computer, tablet or mobile device, you can login anytime and make payments, set up email, securely email Customer Service, and more. Don’t have a login? Register today.

Does MyAccount work on smartphones and tablets?

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Yes, as long as you have Internet access. Once you register your account, you can use the same login credentials to access MyAccount on a computer, tablet or mobile device.

How do I get a MyAccount login?

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It’s easy. Simply go to https://myaccount.exeterfinance.com and click Register. You’ll be asked to provide basic account information and create a User ID and Password. Be sure to have your 7-digit Exeter account number handy, along with the last four digits of your (or the primary account holder’s) Social Security number, and the ZIP code associated with the mailing address on the account.

Where can I find my Exeter account number?

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Your 7-digit account number can be found in the “ABOUT YOUR ACCOUNT” section of your monthly statement.

When I try to register my account online, I get an error message that says my account number, Social Security number, and/or ZIP code do not match what’s on file. What do I do?

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Look for these common errors: 1. Account Number – Delete “1001” at the end of the account number. 2. Social Security Number – Are you or someone else the primary account holder? Only the last four digits of the primary account holder’s Social Security number will be recognized 3. ZIP Code – Use the ZIP code associated with the billing address on the Exeter account. If you continue getting an error message, call (800) 321-9637 for assistance.

Can I make my User ID and Password anything I want?

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For the security of your account, your User ID and Password must meet these minimum requirements: User ID must be 6-50 characters in length. Password must be 8-20 characters in length and must contain at least one uppercase letter, one lowercase letter, one number and one special character (!@#$%^).

I forgot my User ID and/or Password. What do I do?

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Follow these steps: 1. Navigate to MyAccount. 2. Click Forgot User ID or Forgot Password. 3. Enter your email address or select on screen validations 4. Watch for an email with your User ID or temporary password.

Where can I get help with MyAccount?

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Call us at (800) 321-9637 if you need assistance.

Can I set up automatic payments using MyAccount?

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Yes. MyAccount is the easiest way to set up monthly recurring ACH payments. Here’s how: 1. Log into MyAccount. 2. Select Recurring Payments on the left menu and follow the prompts

What types of payments can I make using MyAccount?

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Your online payment options include: 1. One-time ACH payments, using your checking or savings account. 2. Recurring ACH payments every month, using your checking or savings account. 3. Debit card payments. 4. ATM card payments

Can I save my payment information in MyAccount?

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Yes. You can securely store your payment information in MyAccount and use it for future payments.

When will my online payment be posted to my account?

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Activity will post immediately to your Exeter account. However, your bank may not debit the funds from your checking account for up to 48 hours.

How do I know if my online payment was received?

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After you make a payment in MyAccount, you’ll receive a confirmation number on the screen. Please write down the number or click Print and save a copy for your records.

Can I see my payment history in MyAccount?

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Yes, as far back as September 2013. To see your payment history: 1. Log into MyAccount. 2. Click Account History in the left menu (IMPORTANT: Payments made outside the MyAccount portal may take up to 48 hours to display online).

What are other payment options?

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Additional payment options include: 1. Checking/Savings Account: Log into MyAccount and select Make a Payment. Be sure to have your checkbook available 2. Debit/ATM Card: Log into MyAccount. Click the debit card icon near the bottom of the page and follow the prompts, or call (800) 321-9637 to speak with a Customer Service representative. 3. Phone: Call (800) 321-9637 and use our automated payment service or speak with a Customer Service representative. (Restrictions may apply.) 4. MoneyGram: Go to MoneyGram or call (800) 555-3133 to find a store location near you. Our Receive Code is 1214.

Can I have my payment automatically deducted from my checking account each month?

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Yes, AutoPay is the most convenient way to make payments. To enroll in AutoPay, choose one of these options: 1. Log into MyAccount, select Recurring Payments, and follow the prompts; or 2. Complete and return an ACH Sign-Up Form included on the back of your monthly statement.

I show my payment pending online, but I keep getting collection calls from Exeter.

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It is possible for there to be a brief period of time between payment and recognition of the payment within our systems, which could trigger a collection call. If this happens, tell the Customer Service representative that you have already paid and your account will be handled appropriately.

What is the quickest way to make a payment?

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Online, through MyAccount. You have 24/7/365 access to your account with MyAccount. If you don’t have a login, go to https://myaccount.exeterfinance.com/and register. It’s easy and free. You can also make payments over the phone. Just call (800) 321-9637 and follow the prompts.

How do I handle an insurance claim due to physical damage?

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Call (800) 321-9637 for assistance. Before you call, please have the following documents and information handy: a copy of your insurance estimates with the phone number, fax number, adjuster’s name, and date of loss; a copy of the auto body repair shop invoice; a copy of proof of payment receipt (if applicable), and pictures of the repaired vehicle (if applicable).

I received an insurance check for repairs to my vehicle, but I need Exeter to endorse the check. What do I do?

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Make sure to sign the back of the check first, then mail it to Exeter Finance, P.O. Box 650693, Dallas, TX 75265-0693. We will also need the following documents before we endorse the check & mail it to the repair shop: a copy of your insurance estimates with the phone number, fax number, adjuster’s name, and date of loss; a copy of the auto body repair shop invoice; a copy of proof of payment receipt (if applicable); and pictures of the repaired vehicle (if applicable). You may also email these documents to insurance@exeterfinance.com. Call (800) 321-9637 with questions.

Where do I send my insurance information?

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To update or change your policy information, call (800) 243-0705. Mail insurance information/proof to: Exeter Finance, Attn: Insurance Dept., P.O. Box 369, Carmel, IN 46082. Fax insurance information to: (800) 422-9765.

What are my insurance requirements?

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You’re required to maintain Insurance that includes comprehensive and collision coverage with a maximum deductible of $1,000 each.

How do I obtain a payoff quote?

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Where do I mail payoff checks?

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Payoff checks can be sent by standard delivery to Exeter Finance LLC, PO Box 650693, Dallas, TX 75265-0693. All overnight delivery of payoff checks should be sent to the following address: Exeter Finance LLC, 2701 E Grauwyler Rd BLDG 1, Irving, TX 75061

I recently paid off my loan. When will I receive my title?

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The certificate of title or lien satisfied is sent to the authorized party (person or entity who paid off the loan) in accordance with state-specific regulations after the payoff has been posted to your account and the account is paid in full.

I have moved to a different state and need to get tags. What should I do?

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Visit your local tax office and advise them that you are a new resident of the state and need to register your vehicle. Make sure they know that Exeter Finance is the lienholder.

Where do I send my title information?

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If needed, all forms related to titles and registration, can be sent here: Exeter Finance, P.O. Box 166008, Irving, TX 75016.

My temporary tag from the dealer has expired. What do I do?

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You will need to call the dealership where you purchased your vehicle to see if your paperwork has been processed with the state. Each state and dealership have a different timeline for processing this request.

I recently filed bankruptcy. What do I do next?

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What is a reaffirmation?

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A voluntary agreement between you and Exeter Finance to repay your contract involved in a bankruptcy.

What do I do if my bankruptcy was dismissed?

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Resume making payments on your contract with Exeter Finance.

I am currently in bankruptcy, but I want to make a payment. What do I do?

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What do I do if an Exeter Finance account holder has passed away?

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We understand this is a difficult time and are sorry for your loss. If you are a spouse, family member or executor of the estate, please contact us at (800) 321-9637 so that we can discuss next steps.

What do I need to do to stop calls from being placed to my phone number(s)?

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Can I change my due date on my account?

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Yes, if your account qualifies for a due date change. Contact us at (800) 321-9637 to find out if your account qualifies.

When do you report to the credit bureaus?

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We submit our reporting to the credit bureaus at the beginning of each month.

How long does reporting last on my credit report?

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While Exeter is not a Credit Reporting Agency (“CRA”), see what the CRAs have to say about how long certain information stays on your credit report:
‍
Equifax: How Long Does Information Stay on my Equifax Credit Report | Equifax
‍Experian: How Long Do Late Payments Stay on Credit Reports? - Experian
‍TransUnion: How Long Do Closed Accounts Stay on My Credit Report? | TransUnion

Credit Report information

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General information on credit reports and scores at CFPB: Credit reports and scores | Consumer Financial Protection Bureau (consumerfinance.gov)

How can I dispute my credit bureau report?

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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.com

‍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.

What do I do if I believe I am a victim of identity theft?

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What do I do if my vehicle has been impounded?

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What if my job requires me to move out of the country? How can I take my vehicle out of the country?

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What if my vehicle has been repossessed? What do I do?

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Where can Insurance companies overnight payment?

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Exeter Finance LLC, 2701 E Grauwyler Rd BLDG 1, Irving, TX 75061.

Payment Cutoff Times

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Payment received by any non-mailed payment method by 7 p.m. C.S.T. will be credited the same day. If you make a payment after 7 p.m., please see the chart below to reference when your payment will be accepted by the appropriate payment channels.

Non-mailed Payments

Payments Made/Cutoff

Method

Cutoff Time

Before Cutoff Time

After Cutoff Time

Paymentus: ACH & Debit

7 p.m. CST

Same day

Next day

Moneygram

8 p.m. CST

Next day

2 days after payment day

Western Union

8 p.m. CST

Next day

2 days after payment day

Paysafecash

9 p.m. CST

Next day

2 days after payment day

We are always looking for the best to join the
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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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

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

Miss Kia

4-star review

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.

Work with us

View opportunities

Get in touch with our team.

We can help.

Email us

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inquiries@exeterfinance.com

Customer Service

(800) 321-9637

© 2022 Exeter Finance LLC. All rights reserved.
Exeter Finance LLC - NMLS Unique Identifier - #967404
Verify NMLS ID at - www.nmlsconsumeraccess.org
‍FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

‍For residents of New York City, New York: Exeter Finance LLC provides servicing options that allow for verbal communications in languages other than English via a third-party vendor. Exeter Finance LLC does not provide translation services of written communications or documents. For more information, visit www.nyc.gov/dca.

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FAQ

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

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

Our team is integral to our success.

Maruiz B.

Gary R.

Margaret M.

J.C.

John C.

Angie J.

Carrie R.

Miss Kia

Joshua L.

Sharon

Maruiz B.

Gary R.

Margaret M.

J.C.

John C.

Angie J.

Carrie R.

Miss Kia

Joshua L.

Sharon

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

Email us

Customer Service

We asked - You answered

Peter Griffin

Rapidly build modern websites.

For entrepreneurs and founders.

For designers and personal use.

Mobile-first. Responsive everything.

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New articles

We asked - You answered

Consumers rely on auto dealers – Auto dealers rely on Exeter

Keeping the bar high in customer service

Easily create beautiful user flows prototypes for your project

Easily create beautiful landing pages for your project.

Huge library of layouts and blocks.

The Servicemembers Civil Relief Act

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