You decide which savings or checking account you would like the money to come from each month. There is no charge for enrollment, and you can easily change or cancel the automatic payments online. To set up automatic payments, sign on , select your auto loan from Account Summary, and then select Enroll in Auto Pay. You can also call us at or download the automatic loan payments authorization PDF , complete the form, and return by mail or fax.
Sign on and select your auto loan from Account Summary. You can make a payment immediately or schedule a payment up to 30 days in advance. Enroll now. Call , 24 hours a day, 7 days a week to use our automated system.
Make your check or money order payable to Wells Fargo Auto. Be sure to fill in all sections of a money order. Do not send cash. Write your account number on your check or money order. You can make payments at any Wells Fargo banking location at no charge, and a Wells Fargo account is not required. When you pay more than the total amount due, on or before the due date, the additional amount will pay down your principal balance and will be applied to your next payment due.
You can pay your account up to three months in advance. Once the account is paid ahead three months, additional funds go toward principal only. Call , 24 hours a day, 7 days a week to use our automated system. Make your check or money order payable to Wells Fargo Auto.
Be sure to fill in all sections of a money order. Do not send cash. Write your account number on your check or money order.
Mail your payment to:. You can make payments at any Wells Fargo banking location at no charge, and a Wells Fargo account is not required.
You can also call us at or download the automatic loan payments authorization PDF , complete the form and return by mail or fax. You can set up email notifications for your account to let you know when your payment is due. Select your auto loan from Account Summary, and then Manage Alerts.
You can set your notifications to occur from 1 to 4 weeks before your payment is due. If you change your due date, your loan maturity date will be adjusted. Your monthly payment amount will remain the same.
Review the criteria and continue, if you are eligible. Select your desired new payment date and submit. If you are making your monthly payment that is currently due , or if your monthly payment is past due , it will be applied in the following order:. If you already paid your current month's payment in full with no amount past due, and you are paying an additional amount, it will be applied in the following order:.
Refer to your monthly statement to see how your payment was applied to interest, principal, fees, and other charges.
View payment examples PDF for more information. If you have incurred any late fees, the principal payment will be applied after any past due amounts and charges. There may be a fee for missing a payment or making a late payment. You can find this information in your loan agreement. Since there is a daily interest charge on loans, more interest accrues when there are more days between payments.
As a result, you may pay more interest over the life of the loan. Find out how to calculate the daily interest charge. If you're having difficulty making payments on your loan, we may have options available for you.
We have information on help with payments or call us at Confirm your payment to us online through your Wells Fargo account. Sign on and select the Upload Documents icon from your auto loan.
Follow the steps to upload and submit your documentation. How do I defer a payment? A payment deferment pushes out your due date and extends the loan maturity date. Example If your payment due date is scheduled for March 15, , and you were approved for a one-month deferment, your next payment date would be April 15, If your maturity date is January 15, , and you are granted a one-month deferment, your maturity date will be February 15, The more we can understand about your situation, the better we'll be able to suggest relevant options.
Please call us so that we can assist you. Grace periods vary from state to state so please review your loan contract for information about a grace period and late fees. If you are unable to find your loan contract, please call us at , for more information or to request a copy.
If your payment is 30 or more days late, it may show up on your credit report as a late payment. Review your credit report regularly to help you know where you stand. Request a free copy of your credit report from annualcreditreport. The status of your account may have an impact on your ability to pay online.
For example, if your account is past due, you can make a same-day payment but may not be able to schedule a future payment. Also, if you have more than two payments with insufficient funds in the past 12 months, you won't be able to make a payment online. Call us for more information or if you need assistance making a payment. If a payment is returned unpaid, we may attempt to present the payment to your financial institution one more time.
Your financial institution may charge a fee each time the payment is returned. If you are struggling to make your payments, call us so we can discuss options that might work for you.
For general assistance outside of SCRA hours, call us at Where can I find the payoff amount for my auto loan? Call us at to obtain an automated payoff quote or to speak to a representative. Interest accrues daily, so be sure to include the estimated number of days it will take for us to receive the payment when you are obtaining the payoff amount.
Use the following information for a wire transfer, and include your digit account number or processing may be delayed. If the certificate of title should be sent to a different individual or business, make sure you provide instructions on where the title or lien release should be sent. Any additional amount that you paid will be returned to you by check.
It typically takes two to three weeks for processing and mail delivery. When will I receive my title after I pay off my loan? After we receive your final payment and the account balance is satisfied, we will release your title depending on the payoff method, state law requirements, and state motor vehicle department procedures.
The title release process can vary in length and depends on if you have a paper, electronic, or customer-holding paper title. If you are unsure of which category applies to you, please contact your local motor vehicle department.
If you have additional title-related questions, please call us at Paper title maintained by Wells Fargo Auto We start the title release process in approximately 3 — 10 calendar days after the payoff posts to your account, to allow enough processing time for your payment to clear through your financial institution, or as otherwise required by state law. To shorten the title release process, payment by guaranteed funds such as a money order, cashier's check, or wire transfer will begin the process within 3 calendar days.
If the payoff amount received does not satisfy the amount owed, the title will not be sent until the balance is settled. Electronic title maintained by your state For electronic titles, you will not receive a paper title from Wells Fargo Auto.
At the time of release, we will electronically cancel our lien with your state. After the lien is released, your state will mail your title in approximately 4 — 8 weeks.
Please note the states of Florida and Ohio do not automatically mail a paper title. You will need to contact the motor vehicle department to obtain the paper title if needed.
If you have not received the paper title from your state, please contact your motor vehicle department. Paper title maintained by customer If requested, we will send a lien release to an individual or business authorized to receive it in those states where the customer maintains the title. A lien release is a notarized document sent after the vehicle has been paid off to show that Wells Fargo Auto is no longer the lien holder. Please note if you already have the paper title in hand or are waiting on the motor vehicle department to mail your paper title, you do not need a lien release.
If requested, we will send a lien release for a paper title maintained by a customer. To transfer a title, your loan needs to be paid in full. Once you have received your paper title, visit your local motor vehicle department to complete the transaction.
For customers who maintain paper titles, you will need a lien release from us. Requirements vary by state. The motor vehicle department will either send the information to us directly or will provide you with the required document.
If you receive the document from the motor vehicle department, you can submit it to Wells Fargo Auto, along with one of the following documents:. Motor vehicle department requests and supporting documents can be submitted to us online, by mail or by fax.
Note: Wells Fargo Auto will remain on the title as the lienholder until this account is paid in full. To release the title, we need to receive a written request from the motor vehicle department on their letterhead requesting the change. If the motor vehicle department requires the original paper title in order to complete this transfer, we need a rejection letter or a written request from the motor vehicle department, matching the copy of the title or electronic screen-print. Converting an electronic title to a paper title could take at least weeks, depending on the motor vehicle department processing time.
Note: Wells Fargo Auto will remain on the collateral documents as lienholder until this account is paid in full. Can I send you a document electronically? Yes, send selected documents to us online to:. Select the reason for your upload and the type of document and follow the steps to complete the process.
Your request should include a copy of your birth certificate, U. You can send the documentation to us online through your Wells Fargo account. Follow the steps to upload and submit your documents. Note: Changing a name on your auto loan does not update the name on the vehicle title. Learn more about changing a name on a vehicle title. The dealership will contact us to pay off the loan on your behalf. The dealership will assist you in purchasing a new vehicle and creating a new, separate loan agreement for that vehicle.
Before you drive or ship your financed vehicle out of the country, you need a signed authorization from us. Authorization is for temporary travel only, not to exceed 60 days for non-military travel. We do not approve permanent relocation for non-military purposes. Your account must be current and in good standing to qualify for authorization.
To request an authorization, please send us a written request with the travel dates and the destination country, along with a copy of the vehicle registration.
Also, please provide the additional documentation for your specific request type:. Please allow three to five business days for processing from the date that we receive the required documentation. Do I need insurance on my vehicle? As stated in your loan contract, you are required to maintain insurance on your vehicle throughout the duration of the loan. Your insurance policy must name Wells Fargo Auto as the loss payee.
You are responsible for making your regular monthly payments until the loan is paid off. If you had Guaranteed Asset Protection GAP insurance on your loan, some or all of the remaining balance may be covered. If there is a remaining balance on the loan after the GAP payout is determined, you are responsible for making regular monthly payments until the loan is paid off. You can also make a lump sum payment, if you prefer. Find a Wells Fargo banking location near you. If you are unable to visit a branch, please call us at , Option 4.
What are aftermarket products? Aftermarket products are optional products, services, or insurance that may be purchased when you buy your vehicle. They may cover unforeseen vehicle repair needs or assist with loan payments. Contact the dealership or the coverage provider; their contact information is listed on the contract. To request a copy of the contract, contact the dealership or call us. Contact the coverage provider for information on how to file a claim or how to use the product; their contact information is listed on the contract.
Your coverage provider will let you know if they will reimburse you for expenses or if they will pay the expenses at the time a covered service is performed. They will also explain other conditions, such as requiring that the maintenance be performed at the dealership where you purchased the vehicle. If you have questions about the coverage, contact the dealership or the coverage provider; their contact information is listed on the contract. Refinancing your loan may affect aftermarket products, but it depends on the product you purchased.
Review the terms in the contract to understand whether refinancing your vehicle will affect coverage. Find out more about EVs. Have peace of mind knowing your vehicle is financed through an auto lender with more than 50 years of experience. With nearly 11, dealerships in our network, be sure to ask if Wells Fargo financing is available to you.
The length of time Online Statements are available to view and download varies depending on the product: up to 12 months for auto loans and student loans; up to 2 years for credit cards, home equity lines of credit, and personal loans and lines of credit; and up to 7 years for deposit accounts, home mortgage accounts, and trust and managed investment accounts.
Availability may be affected by your mobile carrier's coverage area. Banking Accounts and Services. Loans and Credit Accounts and Services. Investing and Retirement Our Investing Services.
0コメント