How do I make a payment on my auto loan?

We offer several ways to pay, all applying directly to your loan balance.

• Online portal: Log in with your account number and ZIP code. Use debit card, credit card, or ACH transfer.
• Chatref AI agent: Open the chat widget. The agent is trained on our knowledge base of payment policies and can process a one-time payment using a custom action right in the conversation. Just ask for help making a payment.
• Phone: Call our automated line (1‑800‑XXX‑XXXX) and follow the prompts. All methods update your balance immediately and send a confirmation.

Your payment schedule is set at loan origination. Payments are due monthly on the same day each month. View upcoming due dates in the online portal, or ask the Chatref AI agent, “What’s my next payment?” The agent pulls your schedule from our knowledge base, so you always see the accurate date.

Enrolling in Auto Pay helps prevent late payments. You can set it up two ways:

• Chatref AI agent: During a chat, trigger a custom action to enroll in recurring ACH debits from your checking account.
• Online portal: Navigate to Auto Pay, choose your payment date and amount. Our pay‑as‑you‑go operating model keeps costs low; we never add extra fees for automatic payments.

If your current due date no longer works, you can request a change. The Chatref AI agent can handle it through a guided custom action, collecting your new preferred date and submitting the request. You may also update the date in the portal under Payment Settings. New dates typically take effect after one full billing cycle, and the AI agent will confirm the change.

What payment methods are accepted?
We accept debit cards (Visa, Mastercard), credit cards, and ACH bank transfers. All are available through the online portal, the Chatref AI agent’s custom payment action, or by phone. There are no extra convenience fees – our pay‑as‑you‑go platform keeps processing low and passes savings to you.

Can I set up automatic payments?
Yes. You can enroll via the online portal, or by asking the Chatref AI agent. The agent triggers a custom action to set up recurring debits directly in the chat. You’ll only need your routing and account numbers once. Payments then process monthly on your chosen date.

How do I change my payment date?
Speak with the Chatref AI agent on our website for the fastest change. It will collect your new date and submit the request. Alternatively, update it in the Payment Settings area of your online account. The new due date usually applies after your next full billing cycle.