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Q. How do I register to access my TD Auto Finance account online?

A. Registering for online account access is easy. You’ll need your Vehicle Identification Number (VIN), TD Auto Finance account number, the last 4 digits of the primary account holder’s social security number or Federal Tax ID Number / EIN on the account, and a valid email address. Click Register Now in the right margin, enter the required information, and click Submit. For validation purposes, a confirmation is sent to your email address, which contains a link that you must click within 48 hours to complete your registration. Once complete, you may log in and access your statement, complete payment history and make payments.

 

Q. Why do I need a valid email address to register?

A. A valid email address is required when you need log in assistance and for security confirmation emails related to your user profile.

 

Q. I had a user profile for a vehicle that has since been paid off or turned in, can I reuse that profile to access my new account on tdautofinance.com?

A. Yes. As long as you can successfully log in with your username and password*, you will be prompted to enter your new TD Auto Finance account number, the last 8 digits of the VIN, and last 4 digits of the primary account holder’s social security number or Federal Tax ID Number / EIN for that account and then click Submit.

*If you are unable to recall your password for your existing profile for an inactive account, Forgot Password will not work to reset your password. You will need to create a new user profile, which requires a unique username and email address.

 

Q. I already have a user profile with access to an active account on tdautofinance.com, how do I add another account?

A. Log in with your username and password, click the Add/Remove Accounts link in the right margin or the Manage Your Profile tab, then click the Manage Accounts Add Account link. Select +Add Account and enter your TD Auto Finance account number, last 8 digits of the VIN, and last 4 digits of the primary account holder’s social security number or Federal Tax ID Number / EIN for that account. Click Submit, and your new account will now appear within the drop down menu in the right margin. Be sure to select the correct account when making payments, updates or to view account details.

 

Q. Are there requirements or restrictions for usernames, passwords, or email addresses?

A. Yes. Usernames must be unique and contain between 8 and 35 characters. Passwords must contain between 8 and 20 characters, at least one number, one lower case letter and one upper case letter. Passwords cannot contain spaces or special characters. Email addresses must be unique, cannot exceed 50 characters and must be in a standard email format (xyz@abc.com, eyz@abc.net, etc.).

 

Q. What is a password hint question?

A. This is a security question you preselect and answer during your user profile registration that allows you to reset your password in the event you forget it.

 

Q. What should I do if I forgot my username?

A. Click the Forgot Username link in the log in area, enter your user profile email address and your username is emailed to you.

 

Q. What should I do if I forgot my password?

A. Click the Forgot Password link in the log in area, enter your username and the last 4 digits of the primary account holder's social security number or Federal Tax ID Number /EIN, and then click Continue. Next, answer the password hint question, and click Continue then enter a password and click Submit. Once complete, log in to your account.

 

Q. What if I've forgotten both my username and password?

A. First, click the Forgot Username link in the log in area, enter your user profile email address and your username is emailed to you. Then, click the Forgot Password link, enter your username and the last 4 digits of the primary account holder's social security number or Federal Tax ID Number / EIN on the account, and click Continue. Next, answer the password hint question, click Continue, and set a password and Submit. Once complete, log in to your account.

 

Q. What if I cannot answer my password hint question?

A. After several failed attempts to enter a correct answer, you will be prompted to enter your primary TD Auto Finance account number and the last 8 digits of your Vehicle Identification Number (VIN) to authenticate your identity, and then complete the process to reset your password. Once complete, log in to your account.

To modify your password hint question and answer, click the Manage Your Profile tab and then the User Profile Change Password Hint and Answer link. Select a new question, enter an answer, and click Submit.

 

Q. Why is my profile locked when I attempt to log in?

A. To ensure the security of your account information, access to your online account is suspended after repeated invalid log in attempts. You can regain online access by successfully completing the Forgot Password process to reset your password. Once complete, log in to your account.

 

Q. How do I access my account online if I am a co-buyer?

A. You'll need the TD Auto Finance account number, Vehicle Identification Number (VIN), the last 4 digits of the primary account holder’s social security number or Federal Tax ID Number (EIN) on the account, and a valid and unique email address to complete registration. Click Register Now, enter the required information, and click Submit. For validation purposes, a confirmation link is sent to your email address, which contains a link that you must click within 48 hours to complete your registration. Once you complete, you may log in and access your statement, complete payment history and make payments.

 

Q. How do I change my mailing address?

A. If you have more than one account associated with your user profile, you must update each account. See instructions below.

  • Log in and click Manage Your Profile, then the select Contact Information Update Address link. Complete the required updates and click Submit. Or call us at 1-800-556-8172.
 

Q. How do I update my phone number(s)?

A. Log in and click Manage Your Profile, then select the Contact Information Update Phone Number link. Enter the appropriate updated telephone number(s), and click Submit. Please note that at least one phone number is required. If you have more than one account associated with a user profile, you must update each account. Or, call us at 1-800-556-8172.

 

Q. How do I update my email address(es)?

A. We allow you to maintain multiple email addresses for different functions on our website. See instructions to update each below.

  • Log in and user profile notifications (forgot username, password confirmations, etc.): Log in, click Manage Your Profile and select the User Profile Update User Profile Email Address link. Enter an updated email address, click Submit and then Confirm. A confirmation is sent to your email address, which contains a link you must click within 48 hours to complete the update.
  • eBill notifications (online statements and reminders): Log in, click Manage Your Profile and select the eBill Profile Update eBill Email Address link. Select Edit eBill Profile, enter an updated email address, click Submit and then Confirm.
  • Online Payment notifications: Log in, click Manage Your Profile and select Update Online Payment Profile Email Address for One-Time Online Payment Profile. Enter an updated email address and click Submit and Confirm.

 

Q. How do I change my name on my account(s)?

A. If the name is inaccurate on your account or you have legally changed your name (e.g. you were recently married), please call us at 1-800-556-8172 to update your account.

 

Q. What is a user profile?

A. A user profile maintains your credentials to access your TD Auto Finance account(s). This profile contains your username, email address, password, and password hint question and answer. To view or modify your user profile, log in with your username and password, select Manage Your Profile and appropriate User Profile link. Enter the updated information and submit as prompted.

 

Q. What is a primary account?

A. If you manage more than one vehicle under the same username, the account that displays as default each time you log in is your primary account. You can change your primary account at any time.

 

Q. How do I change the primary account if I manage multiple accounts under one username?

A. Log in, select Manage Your Profile and click the Manage Accounts Change Primary Account link. Click the Make Primary link next to the account you want to designate as your primary account and then Confirm to complete. The primary account will be selected to display as default each time you log in.

 

Q. How do I add another account to my user profile if I have more than one vehicle financed with TD Auto Finance?

A. Log in, click the Add/Remove Accounts link in the right margin, or select Manage Your Profile and click the Manage Accounts Add Account link. Click +Add Account and then enter your TD Auto Finance account number, the last 8 digits of the VIN, and the last 4 digits of the primary account holder’s social security number or Federal Tax ID Number (EIN) on the account. Click Submit, and the new account will now appear within the drop down menu in the right margin. Be sure to select the correct account when making payments, updates or to view account details.

 

Q. How do I delete accounts from my user profile?

A. Log in, select Manage Your Profile and click the Manage Accounts Remove Account link. Check the box next to the account(s) you wish to remove, click the Remove Checked Accounts link and click Confirm to complete. Please note, you cannot delete your primary account.

 

Q. How can I make a payment to TD Auto Finance?

A. TD Auto Finance offers several payment options:

  • Pay online with your checking or savings account: Log in, (first-time users must register) and select Make A Payment. For more information, refer to Online Set-up and Maintenance.
  • Pay online with your debit card: You can make an online payment with your debit card with the Star®, Pulse®, Nyce® or Accel® logo using the Western Union® Speedpay Service®. You may be charged a service fee, cash advance fee, or other charges by your debit card issuer.
  • Mail your payment: You can mail a personal check, cashier’s check, or money order along with your payment coupon in the envelope provided with your statement. Please be sure to write your account number on the payment document.
  • Automatic Payment: Arrange to make your vehicle payment as a monthly automated debit (or deduction) from your bank account on your scheduled due date. There is no fee or charge assessed for this service. To enroll, submit your online automatic payment enrollment or download and print the Automatic Payment Authorization Agreement, and then mail or fax the completed and signed form as indicated on the agreement.
  • Pay by Phone: Call us at 1-800-556-8172 to make a payment with your ATM, Debit Card with the Star, Pulse, Nyce or Accel logo, prepaid/gift card, or your checking, savings, or money market account. You can use our automated phone pay system by saying the words "make a payment," or you can speak with a representative.
  • Quick Collect: You may choose to pay using the Western Union’s Quick Collect service by visiting your nearest Western Union payment center. There is a fee associated with this payment option.

 

Q. Where can I find information about my previous payments?

A. To view your entire payment history, regardless of your payment method (e.g. online, phone pay, mail, etc.), log in (new online users register now) and click Payment History. Transactions will be available for viewing once they have been processed and applied to your account.

 

Q. How can I find out my APR and how much I have paid in interest?

A. You can view your Annual Percentage Rate (APR) and find out how much interest you have paid within the Account Summary tab. For additional interest details on a specific payment, you can click “View Payment Details” on the desired payment within the Payment History tab.

 

Q. Can I change my payment due date?

A. To request a due date change, call us at 1-800-556-8172 and a representative will be happy to discuss your options.

 

Q. Will TD Auto Finance grant me a payment extension?

A. It is possible to skip a payment and add it to the end of your loan if certain eligibility requirements are met.

To request an extension, call us at 1-800-556-8172 and a representative will be happy to assist you.

 

Q. How can I make my payment at a Western Union payment center?

A. To make a Western Union Quick Collect payment, visit the nearest Western Union payment center. For specific locations, you can call 1-800-325-6000 or visit www.westernunion.com.

Once at the center, fill out the blue-colored Quick Collect transaction form. Provide your name, address, the name of our company, your account number, the Code City (TDAF, MI), and the amount of the payment.

After making your payment, you’ll receive a Money Transfer Control Number (MTCN). Be sure to save your MTCN and, if previously instructed, notify us of your recent payment and the MTCN. There is a fee associated with this option.

 

Q. How do I dispute a charge on my billing statement?

A. If you are unable to determine the reason for a specific fee or charge assessed to your account, you can send us an email or call us at 1-800-556-8172.

 

Q. How do I dispute information TD Auto Finance reported about my account to the credit reporting agencies?

A. You must send written notification to TD Auto Finance. All of the following information should be included in your credit dispute correspondence:

  • Your account number, name, address and telephone number
  • The specific information being disputed and an explanation of the basis for your dispute
  • All supporting documentation/information required to substantiate the basis of your dispute (examples: a copy of your credit report with the relevant section clearly noted, a police report, a fraud or identify theft affidavit, a court order or account statements)

Mail your dispute to:
TD Auto Finance
PO Box 9223
Farmington Hills, MI 48333-9223

 

Q. If I am a service member or a spouse or dependent of a service member, how do I learn about special military benefits I may be entitled to with respect to my TDAF account?

A. If you are a service member, or a spouse or dependent of a service member, you may be entitled to certain legal protections and debt relief pursuant to the Service Members Civil Relief Act (SCRA) or state law. To learn more about if you are eligible or if you have questions, please contact us at 866-338-7968.

 

Q. How do I make a payment online?

A. To make an online payment using your checking or savings account, log in and select Make A Payment, then click Go next to Schedule One-Time Payment. Complete the required payment information, click Submit and Confirm. Your payment has been submitted for processing when the Thank You page appears, and you also will receive an email confirmation. It’s a good idea to print or write down your Transaction ID (confirmation number) for your records.

You may also make an online payment with your debit card with the Star®, Pulse®, Nyce® or Accel® logo using the Western Union® Speedpay Service®. You may be charged a service fee, cash advance fee, or other charges by your debit card issuer.

 

Q. Can I make a same-day payment online at tdautofinance.com?

A. Yes. Online payments at tdautofinance.com can be scheduled for same-day payment as long as the payment is submitted before 3:00 p.m. (Eastern Time).

 

Q. Can I schedule an online payment at tdautofinance.com for a future date?

A. You may schedule a payment at tdautofinance.com up to 31 days from the current date. Limitations may apply for delinquent accounts.

 

Q. How do I make a correction to a payment I made online at tdautofinance.com?

A. You may modify an online payment if it’s in a Scheduled status. Log in, select Make A Payment, and click Pending Online Payments. Click the Edit link next to the payment you wish to edit, enter the revised information and click Submit. Review the payment information, and if it’s accurate, click Confirm to complete. Limitations may apply for delinquent accounts.

 

Q. How do I delete an online payment I made at tdautofinance.com?

A. You may delete an online payment made at tdautofinance.com if it’s in a Scheduled status. Log in, select Make A Payment, and click the Pending Online Payments link. Click Delete next to the payment you wish to delete. Review the information and then click Delete to complete the process.

 

Q. Am I limited in the number of online payments I can make at tdautofinance.com within a billing cycle?

A. You may schedule as many online payments on tdautofinance.com per billing cycle as you like, but no more than one scheduled payment per day, per account. Please note: You may only schedule a payment up to 31 days from the current date. Limitations may apply for delinquent accounts.

 

Q. How do I change my tdautofinance.com online payment email address?

A. Log in, select Manage Your Profile and click the Update Online Payment Profile Email Address link for One-Time Online Payment Profile. Enter your new email address (banking information may also be updated) and click Submit. Review the information and if it’s accurate, click Confirm to complete the update.

 

Q. How do I change my banking information for online payments?

A. Log in, select Manage Your Profile and click the Update Routing/Bank Account Number link for One-Time Online Payment Profile. Enter the information that has changed (email address may also be updated) and click Submit. Review the information, and if accurate, click Confirm to complete the update.

 

Q. What are your monthly payment mailing addresses?

A. You can find the correct mailing address to send your payment by visiting our Contact Us page.

Be sure to include your account number with your payment.

 

Q. Can I send TD Auto Finance a check to make my payment?

A. Yes. If you have not signed up for our eBill or automatic payments, you will receive a monthly statement with a payment coupon. Simply complete the payment coupon, include your check with your account number and use the mailing envelope provided.

 

Q. Do you accept money orders or cashier’s checks?

A. Yes. Include your money order or cashier’s check with your payment coupon in the envelope provided. Please write your account number on the payment document.

 

Q. What is automatic payment?

A. Automatic payment is a service that allows you to make your vehicle payments as an automated debit from your checking or savings account each month.

 

Q. How do automatic payments work?

A. On your scheduled payment due date each month, your vehicle payment is debited from your checking or savings account. If the date falls on a weekend, federal or banking holiday, it is processed the next business day. You may access your payment history online anytime, but you no longer receive monthly billing statements.

All scheduled payments except your last scheduled monthly payment are eligible for automatic payments. A final billing statement will be mailed to you for your final payment.

 

Q. Is there a fee or charge for the automatic payment service?

A. No. There is not a fee or charge for this service.

 

Q. What is required to enroll in automatic payments?

A. Your account must be current, in good standing, cannot have late fees currently due or have less than 4 payments remaining. A checking or savings account will need to be provided that is in good standing with your financial institution which accepts automatic debit or ACH transactions. The name on your bank account must match that on your account or another individual authorized on your account.

 

Q. How do I enroll in automatic payments?

A. To submit your online automatic payment enrollment, log in and select Make A Payment, then click GO next to automatic payments. Complete the required enrollment information, agree to the Consent to Receive Electronic Documents and Automatic Payment Terms & Conditions and Submit and Confirm your enrollment. You may also download and print the Automatic Payment Authorization Agreement, and then mail or fax the completed and signed form as indicated on the agreement. If you enroll online, please be sure to print and keep a copy of the Automatic Payment Terms & Conditions for your records. If you mail or fax a completed Automatic Payment Authorization Agreement, please be sure to keep a copy of the authorization agreement for your records.

Once your enrollment is processed, a letter will be mailed to the address on your account confirming your enrollment in automatic payments. You may also confirm your enrollment status on the Account Summary and Make A Payment pages of this website.

 

Q. Can I use automatic payments for more than one account?

A. Yes. Automatic payments can be set up for as many accounts as you like by submitting an online automatic payment enrollment and agreeing to the Consent to Receive Electronic Documents and Automatic Payment Terms & Conditions for each account. If you wish to enroll using the downloaded Automatic Payment Authorization Agreement, be sure to include all your account numbers when completing the form.

 

Q. I’ve submitted my online automatic payment enrollment. How long will it take to be processed?

A. It may take up to 5 business days to process your request. The Effective Date provided at the time of your request in your email receipt indicates the payment due date that automatic payments begin. If a difficulty is encountered processing your enrollment, you will be notified directly by a Customer Service Representative.

Once automatic payments are activated, you will be mailed an enrollment confirmation letter. You may also check your automatic payment enrollment status on the Account Summary and Make A Payment pages of this website.

Until your enrollment is confirmed, you are responsible for making all payments on or before the payment due date per your contract.

 

Q. What if I haven't received my confirmation letter?

A. It may take up to 5 business days to process automatic payment enrollments prior to mailing your enrollment confirmation letter. If you have not yet received your letter within 7 to 10 business days, you may also check your automatic payment enrollment status on the Account Summary and Make A Payment pages of this website. If a difficulty is encountered processing your enrollment, you will be notified directly by a Customer Service Representative.

If you need to inquire about your automatic payment status, feel free to use our Email Us service to submit an automatic payment status inquiry or call us at 1-877-212-4016. Until your enrollment is confirmed, you are responsible for making all payments on or before the payment due date per your contract.

 

Q. Can I change the amount of my automatic payments?

A. No. Your automatic payment amount can only be in the amount of your scheduled monthly payment per your contract and Automatic Payment Terms & Conditions. You may use another payment method if you wish to pay additional amounts on your account. See Payment Options for alternative methods of payment.

 

Q. Will all my payments be automatically debited with automatic payments?

A. All except your last scheduled monthly payment can be made using automatic payments and a final billing statement will be mailed to you for your final payment.

 

Q. With automatic payments, is the same payment amount debited every month?

A. Most often, your automatic payment amount will be the same as the amount of your scheduled monthly payment reflected in your contract. If you pay additional amounts on your account, your automatic payment will be in the full amount of your scheduled monthly payment each month unless $0.00 is due on your payment due date. In which case, automatic payments will not process for that particular payment due date.

 

Q. What if I change financial institutions or need to change my bank account?

A. To update your checking or savings account online for automatic payments, log in and select Make A Payment, and click the manage your automatic payment enrollment link. Complete the required information, agree to the Consent to Receive Electronic Documents and Automatic Payment Terms & Conditions, then Submit and Confirm the update. Your update will be processed within 5 business days. Or you may send us a new Automatic Payment Authorization Agreement.

Once your update is processed, a letter will be mailed to the address on your account confirming your enrollment. Until that time, your existing automatic payment enrollment will remain in effect.

If your bank account is closed, you will be responsible for making other payment arrangements for your scheduled monthly payments and any applicable fees per your contract and Automatic Payment Terms & Conditions. See Payment Options for alternative methods of payment.

 

Q. How do I discontinue automatic payments?

A. To submit your request to cancel automatic payments online, log in and select Make A Payment, click the manage your automatic payment enrollment link, and select the Cancel Automatic Payments link. Submit and Confirm your cancellation. Your cancellation will be processed within 5 business days. Or, you may use our Email Us service to submit an automatic payment status inquiry or call us at 1-877-212-4016.

Once your cancellation is processed, a letter will be mailed to the address on your account confirming your automatic payments cancellation. You may also confirm online that your automatic payment enrollment status no longer appears on the Account Summary and Make A Payment pages of this website.

 

Q. Who do I call if I need to speak to someone about automatic payments?

A. Call our Automatic Payments office at 1-877-212-4016. Be sure to have your banking information and account number(s) available.

 

Q. Can I make my payment over the phone?

Yes. Call us at 1-800-556-8172 to make a payment with your ATM, Debit Card with the Star®, Pulse®, Nyce® or Accel® logo, prepaid/gift card, or your checking, savings, or money market account. You can use our automated phone pay system by saying the words "make a payment," or you can speak with a representative.

 

Q. How can I make a payment with my debit card?

A. TD Auto Finance offers two options which allow you to make your payment with your debit card:

  • Pay online: You can make an online payment using the Western Union®Speedpay Service®. You may be charged a service fee, cash advance fee, or other charges by your debit card issuer.

  • Pay by Phone: Call us at 1-800-556-8172 to make a payment with your ATM, Debit Card with the Star®, Pulse®, Nyce® or Accel® logo, prepaid/gift card, or your checking, savings, or money market account. You can use our automated phone pay system by saying the words "make a payment" or you can speak with a representative.

To learn about other payment options, please view them in the Payment Options section within Frequently Asked Questions.

 

Q. What should I do if I have not received my billing statement or have misplaced it?

A. To get a copy of your statement, you have three options:

  1. Register for online access to your account, then log in, and click Statements. You will then be able to view your current statement and make a payment.
  2. Email us, and we will mail you a copy.
  3. Call us at 1-800-556-8172 and a Customer Service Representative will be happy to help you.

Please note: You are responsible for making current and future payments on or before the due date per your contract.

If you have any questions, please call us at 1-800-556-8172 before your due date. Automatic payment customers, eBill customers, military allotment customers, and customers whose accounts are in litigation or bankruptcy status, do not receive billing statements.

 

Q. How many days prior to my due date should I expect to receive my billing statement in the mail?

A. Your billing statement should arrive in the mail approximately 10 days prior to your payment due date. If you are an eBill customer, you can view your statement as soon as it’s posted by logging in and clicking Statements.

 

Q. Can I access my monthly billing statement online?

A. Yes. Your current statement is available on tdautofinance.com for you to view, print, and save. As an added convenience, you can use the link within the electronic statement to make a payment. To view your current statement, log in to your account and click Statements. To take full advantage of our online statement (eBill) features, such as payment reminders and secure statement delivery, click on the "Go paperless. Sign-up for eBill" link.

 

Q. How do I read my billing statement?

A. View or download our guide to review the features our billing statements offer. If you have further questions, please call us at 1-800-556-8172.

 

Q. How is my interest calculated?

A. With simple interest financing, the finance charge is calculated as each payment is applied to your account. The finance charge is based on the number of days since the last payment was made on your account and the principal balance on your account since the last payment was posted.

The periodic finance charge earned by the finance company is calculated using the basic interest formula:

Interest = Principal x Rate x Time

Interest = the finance charge earned by the finance company
Principal = the current unpaid principal balance
Rate = daily rate factor; Annual Percentage Rate (APR) divided by 100 and the result divided by 365
Time = actual number of calendar days since the last finance charge calculation


 

Q. What is eBill?

A. eBill is a service that replaces paper statements with online access to your TD Auto Finance billing statements. You’ll receive email alerts when your statements are ready and payment reminders 5 days before your payments are due. Our optional Mobile Alerts can send your alerts and reminders to your mobile phone, and Secure eBill can deliver your eBill statement directly to your email inbox.

 

Q. How do I enroll in eBill?

A. To enroll in eBill, log in to your account, click Statements, and click the "Go paperless. Sign-up for eBill" link on your statement. Follow the prompts, and create your eBill profile by providing your email address and designating your eBill preferences. Click Submit, review your preferences, and if they are accurate, click Confirm to complete the process.

 

Q. What is Secure eBill?

A. Secure eBill delivers your monthly billing statement directly to your email inbox each month. Entering the secure passcode you create allows you to open, view, save and print your statement.

 

Q. Is there a fee or charge for eBill (online statements), Secure eBill, or Mobile Alerts?

A. There are no TD Auto Finance fees or charges for these services. For Mobile Alerts, messaging fees may apply. Check with your mobile service provider.

 

Q. How will I know when my eBill is ready to view online?

A. If you are enrolled in eBill, you’ll receive 2 emails per billing cycle (when your statement is ready and a payment reminder 5 days prior to your scheduled due date). You may also choose to receive alerts on your mobile phone.

 

Q. What is a secure passcode?

A. A secure passcode is a password you create when you sign up for the Secure eBill service. It allows you to securely access your eBill statement from your email inbox without the need to log in at tdautofinance.com.

 

Q. How do I change my email address for eBill reminders?

A. To change your email address for eBill reminders, log in to your account, click Statements then the Edit eBill Profile link. Update your email address and then click Submit. Review your eBill profile, and if everything is correct, click Confirm.

 

Q. How do I add Secure eBill statement delivery if I'm already signed up for eBill?

A. Log in, select Statements and click the Edit eBill Profile link. Select the Secure eBill option and create your secure passcode. Click Submit, review your eBill profile, and if your selections are correct, click Confirm. Your next eBill statement will be emailed to you

 

Q. How do I change my secure passcode?

A. Log in, click Statements and the eBill Preferences link. Create and confirm your new secure passcode. Click Submit, review your eBill profile, and if your selections are correct, click Confirm to complete the change.

Please note: Secure email attachments are only accessible with the secure passcode that’s valid at the time the email is generated. Modified secure passcodes are only valid for future secure email attachments.

 

Q. How do I cancel online statements (eBill)?

A. Log in, click Statements and the Cancel eBill link, then Confirm. All previous eBill statements will remain available online for 30 days.

Important Note: If we’ve posted a statement to your online account prior to cancellation, a paper statement (for your current payment) will not be mailed to you. You will still be required to send in your payment by the due date. Future statements will be mailed to you.

 

Q. What if I cancel eBill and then change my mind?

A. If you've cancelled eBill within the past 30 days, call us at 1-800-556-8172 and a Customer Service Representative can assist you. Online re-enrollment is available 30 days following your cancellation by following the eBill sign-up steps.

 

Q. What are Mobile Alerts?

A. Mobile Alerts is a service that sends statement availability and payment reminder messages to your mobile device via text message. Mobile Alerts are only available for eBill customers.

Please note: Although TD Auto Finance does not charge a fee for this service, messaging fees may apply. Check with your mobile service provider.

 

Q. How do I add Mobile Alerts for eBill reminders?

A. Mobile Alerts are only available to eBill customers. If you are already enrolled in eBill and wish to add Mobile Alerts, click "Statements" and then eBill Preferences. Check the "Begin sending eBill alerts to my mobile device" checkbox, complete the requested information, and click the "Submit" button. Then review your eBill preferences, and if they are correct, click the "Confirm" button to complete the process.

Please note: Although TD Auto Finance does not charge a fee for this service, messaging fees may apply. Check with your mobile service provider.

 

Q. How do I review and edit my preferences for eBill Mobile Alerts?

A. Log in, click Statements, click eBill Preferences. Review and modify your alert and delivery options as appropriate, click Submit and Confirm.

 

Q. Where do I find my vehicle payoff amount?

A. Your vehicle payoff information is available online. Log in and select Payoff Quote. Review the quote and follow the instructions provided to proceed.

You may also send us a secure message through the Secure Message Center while logged into your account online or call us at 1-800-556-8172 to obtain payoff information.

 

Q. How is the payoff amount on my finance contract calculated?

A. Payoff on a simple interest account equals the principal balance, plus any finance charges accrued and late charges due.

 

Q. Why does the payoff amount on my billing statement differ from the amount I received on the automated system, from an agent, or online?

A. The payoff amount on your billing statement is an estimate calculated on the date your statement is printed. It’s very important that you get a current 10-day payoff quote either online, by emailing us or by calling us at 1-800-556-8172.

 

Q. Once I have my payoff amount, how do I pay off my vehicle?

A. Several payment options are available for paying off your account. These include:

  • Mail your payment to TD Auto Finance
    Standard Mail/Check Payments:
    TD Auto Finance
    P.O. Box 9001873
    Louisville, KY 40290-1873
    Express Delivery/Certified Funds:
    TD Auto Finance
    Attn: TD Auto Finance Payoff 9001873
    6716 Grade Lane Bldg 9 Suite 910
    Louisville, KY 40213
  • Make a free online payment on this website. See our Online Payments section for more information.
  • Call us at 1-800-556-8172 to make a payment with your ATM, Debit Card with the Star®, Pulse®, Nyce® or Accel® logo, prepaid/gift card, or your checking, savings, or money market account. You can use our automated phone pay system by saying the words "make a payment", or you can speak with a representative.
  • Visit a Western Union Quick Collect Center and make a cash payment. There may be a Western Union fee associated with this service.

 

Q. I moved to a new state, how do I reregister and change my title?

A. Since registration and titling requirements differ from state to state, it’s important that you contact your local DMV or Secretary of State office, as applicable, for detailed information. Depending on the state in which you live, the registration and title transfer process will be initiated either by TD Auto Finance or by the titling agency of the state in which you now reside. Please email us or call us at 1-800-556-8172 for information on how to get your title changed in your new state.

 

Q. How long will it take to get my title after I pay off my loan?

A. If your title is maintained by TD Auto Finance, it will be released in approximately 7-10 calendar days after the payoff posts to your account, or as otherwise required by state law. This does not include mailing time. If the payoff amount received does not satisfy the amount owed, the title or lien release will not be sent out until the balance is settled.

If your title is maintained by your state, see your local DMV or Secretary of State, as applicable.

 

Q. How do I know what type of title I will receive after I payoff my account?

A. It is best to visit your local DMV’s website for details about your specific state or you can call us directly at 1-800-556-8172.

While every state has its own title procedure, some of these definitions may help to explain some of the methods used to release a lien. To understand what method your state uses please visit your local DMV’s website:

  • Paper Title: Paper titles are physical titles that were created at the time you purchased your vehicle. Shortly after purchasing your vehicle and depending on the state that you live in, that title may have been mailed to you or to TD Auto Finance directly.
  • Lien Card/Lien Release: If you reside in a state that mailed the title directly to you at the time you purchased your vehicle, upon payoff, TD Auto Finance will release the lien via a Lien Card or Lien Release letter. Once this document is received it should be presented, along with the title, to the local DMV to remove our lien from the title.
  • Electronic Record: Some states do not print a title until after the account is paid in full. TD Auto Finance will send a lien release as directed by the customer. Once the lien release is received, it should be presented to the state and the state will produce a paper title.
  • Electronic Title: Some states no longer use a paper title process. The lien is filed electronically, and TD Auto Finance is notified of the lien electronically. Upon payoff, TD Auto Finance will notify these states electronically of the release of our lien. Upon notification and depending on the state, some states will immediately mail a paper title. Other states do not require the customer to hold a physical paper title. Should the customer need one, it would have to be requested from the state.

 

Q. What should I do if I paid off my vehicle and have not received my title or lien release?

A. If you have paid off your vehicle in the past 60 days and have not received your title or lien release, please contact us at 1-800-556-8172 for assistance.

 

Q. How do I obtain a duplicate title or lien release?

A. If you have misplaced your title or lien release and would like to request a duplicate, please call 1-866-730-7808 or visit www.mytitlesupport.com. There is a fee associated with a duplicate title request.

 

Q. Is it possible to add or change a name on the title?

A. If a person’s name is on the contract then it can be placed on the title. A person not listed on the contract cannot be listed on the title.

A customer or co-buyer not named on a title may be added by calling us at 1-800-556-8172.

 

Q. Is it possible to remove a person’s name from a title?

A. A name can be removed from a title only as a result of specific special circumstances such as death, divorce, incarceration, or a driver who becomes uninsurable.

Please note that removing a party’s name from the title does not relieve them of their contractual obligation.

Please download the Removal of Name from Certificate of Title form, and have the party who wants their name removed from the title review the form, sign and have notorized, and mail to the address provided below.

If the name removal request is due to a deceased customer/cosigner of the loan, we also require the following:

-A copy of the death certificate

-If an estate proceeding has been initiated, the estate's attorney or an authorized representative of the estate needs to obtain an order of the court authorizing the removal of the name from the title. If no estate proceeding has been initiated with any court, we will need a letter from a legally authorized representative directing TDAF to remove the decedent's name from the title

If the name removal request is due to a divorce, we will also require the following:

- A copy of the divorce decree that states that one of the contractual parties is to remain in possession of the vehicle and shall be the owner of the vehicle, then the non-owner may be removed from the title.

If you reside in the following states, we will require a letter of request (LOR) from the state DMV or licensing agency to release documents:

Alabama, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Massachusetts*, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, Oregon, Pennsylvania*, South Carolina, Tennessee, Vermont and Virginia*

*Note: In the state of Virginia, we cannot release a Virginia title without form VSA17A. Two sections on the form must be completed by the customer-customer information and lien holder information. The customer can obtain the form from the DMV or download from the DMV web site. The completed form and the address of the local DMV is required to be provided to TDAF.

*Note: In the state of Pennsylvania, we require a letter of request from a tag agency. In the state of Massachusetts, we require a letter of request from your local insurance agent or tag agency.

For all other states, please include the name of your local DMV/Licensing agency, their physical address and their phone number.

Please mail all documents to:

TD Auto Finance
Attn: Title Department
PO Box 860
Roanoke, TX 76262
Or you can fax to (888)548-3574 Attn: Title Dept.

Please be sure to include your TDAF account number on all pages.

Upon receipt of the required documents and DMV Letter of Request (if required), TDAF will act as follows:

For states where we hold the title, TDAF will release the title to the DMV or tag agency. The customer is required to go to the appropriate DMV to complete the title paperwork and pay any applicable fees. Titles are never sent directly to the customer under any circumstances.

For title-holding states (customer holds the title) we do not release the Security Interest or Lien Card. TDAF will send a letter of permission to the customer. The customer will then take their title and the letter of permission to the DMV and have the name change processed.

In all circumstances, TDAF does not pay any fees associated with a title name change process, the customer does.

 

Q. How can I get TD Auto Finance removed as the lien-holder on my title?

A. A customer service representative can verify that your account is paid in full and provide you with a lien release. Please call us at 1-800-556-8172.

 

Q. I took my lien release/title to the DMV, but they are requesting a letter because the Lienholder names are different. How can I get this letter?

A. Over the years, our name has changed as a result of acquisitions, mergers and legal name changes. We are, however, still the same company. The One and the Same letter provides information of what our legal names were/are and should be accepted by the DMV/licensing agency. Please download the One and the Same Letter and present it to your local DMV or licensing agency with any other documents that you may have.

 

Q. What steps do I need to take if my car was totaled?

A. In the event of the loss or destruction of your vehicle, you or your insurance agent must email or call TD Auto Finance at 1-800-556-8172 to report the loss and to obtain a payoff quote. When calling in, you must have the following information available:

  • Name, address, telephone and fax numbers of insurance company
  • Name of claim representative
  • Claim number
  • Date of loss
  • Type of claim (collision or comprehensive)
  • Mileage
  • Deductible
  • Amount insurance agrees to pay

 

Q. Can I take my vehicle with me if I am moving out of the country?

A. Approval to take a vehicle out of the country can be granted for a short-term stay (with some exceptions) for select countries pending receipt of the required documents. If you are permanently relocating to a foreign country, you must pay off your vehicle.

Ineligible customers include non-US citizens and accounts that are currently or were previously in bankruptcy status.

For non-military customers, the following documents are required and should be faxed to us at 1-888-538-3574:

  • Address and phone numbers in the visiting country
  • Departure date and length of stay
  • Proof of insurance for the vehicle in the country to which the vehicle is being transported.
  • 3 verifiable personal references (name, address, phone numbers) that may be used to reach you
  • Proof of Citizenship

Once approved, a letter of permission will be faxed or mailed to you within 48-72 hours.

Military personnel who are deployed overseas should call us at 1-800-556-8172 to discuss options.

 
 

Q. How does tdautofinance.com keep my account information secure online?

A. We use a variety of methods to safeguard your personal information online. Using 128-bit encryption with SSL version 3 is like needing to use 128 different keys to get at your information, and the Secure Sockets Layer (SSL) prevents eavesdropping, tampering, and message forgery.

Every time you log in to tdautofinance.com, your information is scrambled into a code that is unreadable by anyone who doesn't have the proper key to decipher it. If you forget to log out or your computer remains idle for an extended period of time, we'll automatically log you out to ensure that no one can get the information from your computer screen.

To make sure you're taking full advantage of our safety and security procedures, we suggest you use the latest versions of Internet Explorer or Firefox.

 

Q. Is it safe to contact TD Auto Finance through email?

A. Sending sensitive information through your personal email accounts is not secure. However, it is safe to send us a message through the Secure Message Center, as this is in a secure environment, which only the profile owner may access.

 

Q. What can the Secure Message Center be used for?

A. The Secure Message Center can be used to receive documents associated with customer loans, including copies of contracts, payoff quote letters, copies of titles and payment histories. You can also contact our dedicated Customer Service Team through the Secure Message Center with any questions you may have.

 

Q. What are the browser requirements for tdautofinance.com?

A. tdautofinance.com has been designed to work with the most recent versions of Microsoft Internet Explorer and Mozilla Firefox. You may encounter site functionality and display issues if you’re using an older version of these browsers, or if you’re using another browser. Please download the most current version of Internet Explorer or Firefox now to experience the full functionality of tdautofinance.com.

 

Q. How can I tell what browser version I am using?

A. You can identify your browser version by selecting "About" from the browser’s "Help" menu.

 

Q. Why should I close my browser window when I logout?

A. This will ensure that any information accessed during your recent session will no longer be available. If you only close your current window or tab, it may be possible to access information previously viewed.

 

Q. Why do I have multiple profiles to maintain online?

A. To remain flexible, we allow different profiles for different functions. You may have one or more of the following online profiles:

  • User Profile: This profile allows you to have access to your account(s) online. It contains your username and password and an email address for communication about your user profile.
  • Online Payment Profile: This profile is used to make payments online at tdautofinance.com. It contains your banking information, as well as the email address where you’ll be notified when online payments are submitted.
  • Customer Contact Profile: This profile contains your personal contact information such as address and telephone numbers.
  • eBill Profile: For eBill customers, this profile contains preferences such as your email address where payment reminders will be delivered, frequency of payment reminders, Mobile Alerts preferences, and secure eBill preferences.

 

Q. Can I view my account information online, even after it is closed?

A. Yes. For a limited time, you will still have access to update your user profile, add a new account, or send us an inquiry via the Secure Message Center.

 

Q. Can I get my vehicle back if it has been repossessed?

A. If your vehicle has been repossessed, you may get the vehicle back, unless prohibited by law, by paying off your contract in full before we sell the vehicle.

In some cases you may be able to get your vehicle back and continue in your contract if you comply with certain requirements. This is called reinstatement. Not all contracts are eligible for reinstatement. If your contract is eligible for reinstatement, and you chose to reinstate your contract, you must pay all monies owed to TD Auto Finance or DCFS Trust, including but not limited to, delinquent payments, late charges, fees and repossession expenses. In some cases you may need to provide additional documentation.*

*Whether you payoff your contract in full or reinstate your contract, the repossession vendor may require payment of additional amounts.

 

Q. In addition to all payments, late charges, fees and repossession expenses, what will I need to provide in order to reinstate my contract with TD Auto Finance?

A. If you are eligible to reinstate your contract with TD Auto Finance, in many states you may need to provide proof of insurance and, for each signor on the contract, three personal references and proof of employment.

 

Q. If proof of insurance is required, what are the insurance requirements?

A. You will need to provide a proof of insurance document indicating current coverage dates as well as the following information:

  • TD Auto Finance is listed as the lien holder and loss payee
  • The buyer and co-buyer, if any, are listed as authorized driver(s)
  • Collision and comprehensive deductibles consistent with the terms of your financing contract

 

Q. If personal references are required, what information should be provided?

A. Acceptable information to meet the references requirement is as follows:

  • Three personal references for each signor on the contract
  • The address and phone number of each personal reference
  • The relationship the signor has with each personal reference identified
  • Each personal reference shall:
    1. live outside of the signor’s household,
    2. not live in the same household as another reference, and
    3. be able to verify that they know the signor

 

Q. If proof of employment is required, what should be sent?

A. If proof of employment is required, one of the following items must be provided for each signor on the contract:

  • Copy of most recent paycheck
  • Employment verification letter
  • Employment address
  • Tax ID number (if you are self employed)
  • Business license number (if you are self employed)

 

Q. If reinstatement is permitted, where should I send any documents required for reinstatement?

A. You can submit documentation (which may include proof of insurance, references, and proof of employment) by uploading via our website for email delivery. Simply select Contact Us, select the option to email us, then select Repossession from the menu.

You may also fax required documentation along with a completed Reinstatement Fax Cover Sheet to TD Auto Finance at 1-904-565-7826. Download the Reinstatement Fax Cover Sheet here.

Regardless of the method you use, please allow up to 2 days for the review and verification process. An agent will contact you once this process is complete to discuss the next steps. Please make sure to include your TD Auto Finance account number on all submitted documents.

You may also call 866-659-1173 for more information regarding reinstatement and redemption requirements for those who are eligible.

 

Q. What is a Transfer of Equity/Assumption and how do I know if this is an option for me?

A. A Transfer of Equity (TOE) or Assumption is the transfer of vehicle ownership and the unpaid contract balance from the original buyer (transferor) to another creditworthy party (transferee). The transferee must agree to assume the terms of the original agreement. The transferor remains contractually liable for repayment of the account even after the TOE/Assumption. To qualify, the transferee must complete a credit application and be approved. If you are interested in discussing this option, please contact our Customer Service Department at 800-556-8172.

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