Skip to main content
An official website of the United States government
(855) 411-2372
Submit a Complaint
Search

How do I know who my auto loan lender or servicer is?

If you financed your auto loan directly with a bank, credit union, or other lender (not through the dealer), that entity is your lender.  If you got your financing through the dealer, or your lender transfers servicing rights to a third party, you can generally expect that you will receive a welcome letter from your lender or servicer giving you information about your loan. 

The letter should include contact information and information about how and when you make payments. Make sure you keep and pay attention to your paperwork, as it can tell you:

  • Who your lender or servicer is
  • Where to send your payments
  • What counts as an “on time” payment (usually when the lender receives it, not when you mail it) and whether there is a grace period
  • The amount of any late fees
  • Whether there is a penalty if you pay off the loan early (prepayment penalty)
  • Who to contact if you are having difficulty making payments

Don't see what you're looking for?

Browse related questions

Was this answer helpful to you?

Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.