Direct Debit Recurring Loan Payment register online:
Register for ACH

Please call our Customer Service Department at (714) 953-3129 or (888) 223-4233 and press 7.

Mail Payments to Address:
PO Box 15047
Santa Ana, Ca. 92735

DISCLAIMER: Please be aware that the security of information transmitted by e-mail cannot be assured and may be intercepted by unknown third parties. We recommend that you do not send any sensitive personal information, such as your date of birth or Social Security number by e-mail.

You may make your payment in person at our office located at 1530 E. Warner Avenue, Suite A, Santa Ana, CA 92705. NO CASH PLEASE!

Click here for directions.

Click Here for quick and easy payment online. PayNearMe is also available at participating 7-Eleven, CVS, Walmart, Walgreens, Family Dollar, Casey’s General Store and ACE Cash Express locations nationwide.

You can make a payment by MoneyGram® using Express Payment for a fee.
Payment to: American Auto Financing, Inc. • Use Receive Code: 9234
Go to any CVS Pharmacy, Walmart, Albertsons or Stater Bros.
For a MoneyGram® location nearest you, call 1-800-926-9400 pr visit www.moneygram.com

Your bill is generated according to your due date on your contract. Please review your Retail Sales Contract.

Often times there may be a delay with the post office or other reasons for a delay of delivery of your billing statement, even if this happens, you must still make your payment via one of the methods above and make sure your payment is on time as shown on your contract.

Many customers make the mistake of assuming there is a grace period on their account. Your payment is due as shown on the contract payment date. The best recommendation is to make your payment on time every month.

Understanding Simple Interest Financing

At American Auto Financing, we want you to understand how your vehicle financing works and how the timing of your payments can affect the amount of interest you pay.

What Is Simple Interest?
With a simple interest contract, interest is calculated based on the outstanding principal balance of your account.

Two important terms to understand are:

• Principal is the amount you financed to purchase your vehicle.
• Interest is the cost of borrowing that money over time.

How Is Interest Calculated?
Interest accrues daily based on your outstanding principal balance. This means the amount of interest that has accrued when you make a payment depends, in part, on the number of days since your last payment.

When you make a payment, the payment is generally applied first to accrued interest and then to reduce the principal balance, subject to the terms of your contract and applicable law.

During the initial phase of your financing agreement, your principal is at its highest, therefore, a larger portion of each payment will go toward interest.

As your principal balance decreases, the amount of interest that accrues also decreases. As a result, over the life of your contract, more of your payments generally goes toward reducing principal.

Why Does the Timing of My Payment Matter?
Because interest accrues daily, the timing of your payments can affect how much of each payment goes toward interest and principal.

Paying earlier: If you make a payment earlier than scheduled, fewer days of interest may have accrued. As a result, more of your payment may be applied toward principal.

Paying on time: Making your regularly scheduled payments on time helps keep your account current and your financing on schedule.

Paying later: If you make a payment after its scheduled due date, additional interest continues to accrue. As a result, more of your payment may go toward accrued interest and less toward reducing principal. Late payments may also result in other charges if permitted by your contract and applicable law.

Can I Save Money by Paying Early?
Depending on the terms of your contract, making payments earlier or paying additional amounts toward principal may reduce the total amount of interest you pay and may allow you to pay off your vehicle sooner.

The important thing to remember is simple: interest is based on your outstanding principal balance and accrues daily. Reducing your principal sooner generally reduces the amount of interest that accrues over time.

If you have questions about your account or how your payments are applied, please contact American Auto Financing.

You need to have comprehensive and collision coverage.
Please note: American Auto Financing, Inc. must be listed as Loss Payee.
You may fax proof of insurance to (714) 953-1923 or call (714) 953-3129 for assistance.

You can call our office and receive a 10 day payoff. Please note, if you need a payoff for a longer period of time, advice your representative.

Simply click here and submit.