Where to send your Exeter Finance payment
Exeter Finance accepts payments through three main channels: online through their website, by phone, or by mail. The online portal at exeterfinance.com is the fastest route — you can log in with your account number and make a one-time payment or set up automatic payments from a bank account. Payments made online typically post within one business day.
If you prefer to pay by phone, call Exeter Finance's customer service line at 1-855-839-9399. A representative can process your payment over the phone using a bank account or debit card. This method works during business hours and takes about five minutes.
For mailed payments, send your check or money order to the address printed on your monthly statement. Include your account number on the check. Mail payments take longer to post — typically five to seven business days from when Exeter Finance receives them — so send early if your due date is approaching.
Key Takeaways
- Online payments at exeterfinance.com post within one business day and let you see your account balance immediately.
- Phone payments at 1-855-839-9399 work during business hours and process in minutes using a bank account or debit card.
- Mailed checks take five to seven business days to post, so send them at least a week before your due date.
- Late payments trigger a late fee and can damage your credit score, so set a payment reminder if you pay by mail.
- Automatic payments from your bank account prevent missed payments and are free to set up through the online portal.
Setting up automatic payments to avoid missed deadlines
Automatic payments are the simplest way to ensure you never miss a due date. Log into your Exeter Finance account online, go to the payment settings section, and link a checking or savings account. You can choose to pay the minimum amount due, a fixed amount you set, or the full statement balance each month.
Once automatic payments are active, the money leaves your bank account on the date you select — typically a few days before your statement due date. This gives you a buffer if there are any processing delays. You can change or cancel automatic payments anytime through your online account, though Exeter Finance recommends keeping them active to maintain a clean payment history.
What happens if you miss a payment or pay late
A payment is considered late if it arrives after the due date shown on your statement. Exeter Finance typically charges a late fee on the first late payment, and the amount varies depending on your loan agreement — check your contract or call customer service to confirm the exact fee for your account.
Late payments also report to the three credit bureaus (Equifax, Experian, and TransUnion) and stay on your credit report for seven years. A single 30-day late payment can lower your credit score by 100 points or more, making it harder to refinance your auto loan or borrow money elsewhere. If you know you will miss a due date, contact Exeter Finance before the deadline to discuss a payment plan or temporary adjustment.
If your account falls 120 days behind, Exeter Finance may begin repossession proceedings. The lender can seize the vehicle without a court order in most states, and you remain responsible for the loan balance even after the car is sold at auction. Repossession also stays on your credit report for seven years.
Understanding your statement and account details
Your Exeter Finance statement shows your loan balance, interest rate, minimum payment due, and due date. The statement also breaks down how much of your payment goes toward principal (the amount you borrowed) versus interest (the cost of borrowing). Early in your loan, most of your payment covers interest; later, more goes toward principal.
Your account number appears at the top of the statement and in your online portal. You will need this number to make payments by phone or mail, and to log in online. If you cannot find your statement, log into your account at exeterfinance.com or call 1-855-839-9399 to request a copy.
Paying off your loan early or making extra payments
You can pay off your Exeter Finance loan ahead of schedule without penalty. Extra payments reduce your loan balance faster and save you money on interest over the life of the loan. To make an extra payment, log into your online account and select "make a payment," then enter an amount above your regular monthly payment.
Some borrowers make one extra payment per year or add $50 to $100 to each monthly payment. Even small extra payments compound over time. If you are considering a large lump-sum payment (such as from a tax refund or bonus), contact Exeter Finance first to confirm there are no prepayment penalties in your loan agreement — most auto loans do not have them, but it is worth checking.
Troubleshooting payment problems
If your online payment fails, the system usually shows an error message explaining why — often insufficient funds in your bank account, an expired debit card, or a temporary processing issue. Try again after fixing the problem, or switch to phone or mail payment.
If you made a payment but it does not show in your account within the expected timeframe, log into your online portal to check the status. Online payments typically post within one business day; phone payments within one to two business days; and mailed payments within five to seven business days. If a payment is overdue and you cannot locate it, call customer service at 1-855-839-9399 with your confirmation number or cancelled check.
If your account was sold or transferred to another lender, you may receive a notice in the mail with new payment instructions. Do not ignore this notice — continue paying on time to the new lender to avoid late fees and credit damage.
Frequently Asked Questions
Can I pay my Exeter Finance loan with a credit card?
Exeter Finance does not accept credit card payments directly. You can pay online with a debit card, by phone with a debit card, or from a bank account. Some third-party payment processors allow you to pay a loan with a credit card, but they charge a fee that usually makes this option more expensive than paying directly.
What if I want to pay twice a month instead of once?
You can make as many payments as you want, whenever you want. Some borrowers pay every two weeks to match their paychecks, which reduces interest and builds equity faster. Log into your account online or call customer service to set up a payment schedule that works for your budget.
Is there a fee to pay online or by phone?
No. Exeter Finance does not charge a fee for online or phone payments made directly through their website or customer service line. If you use a third-party payment processor or money transfer service, that service may charge a fee.
What should I do if I cannot afford my payment this month?
Contact Exeter Finance as soon as possible before your payment is due. Customer service representatives can discuss options such as a temporary payment reduction, a one-time extension, or a modified payment plan. Calling ahead is much better than missing a payment, which triggers late fees and credit damage.
How do I know if my payment was received?
Log into your online account to see the status of recent payments. Online and phone payments show a confirmation number immediately. For mailed payments, wait five to seven business days and check your account to confirm the payment posted. You can also call customer service at 1-855-839-9399 to verify receipt.