Autopay is a free and convenient service that SAFCO offers. This option will automatically process your scheduled payment from your account. You may choose to use a VISA, MasterCard, Discover, checking or savings account.
SAFCO offers a variety of means in which to make a payment, including over the phone, online, in person or via mail. We accept Visa, MasterCard, Discover and personal checks as well as partner with PayNearMe, MoneyGram and Western Union. Please click here for additional details.
Yes! The GoSAFCO Mobile App is available to download free in the Apple App and Google Play Stores. Search “SAFCO” to begin. For your convenience, your username and password are the same for both our online service and the mobile app. The mobile app is for making payments and more! You can also view your account details and communicate with SAFCO directly from the app.
Checks will automatically be attempted twice; all other payment methods are attempted once.
You will need the last 6 digits of your account number and your Social Security Number. SAFCO accepts VISA, MasterCard, Discover or personal checks. Vendor fees may apply. Please contact us to find out how to enroll in our free Autopay service.
For online payments you will receive a confirmation number as well as a confirmation email to the email address you have provided. If you did not receive this information, please contact us to verfiy your payment was applied to your account.
You may make partial payments on your account through our various payment portals. The minimum acceptable payment may vary depending on the total amount due on your account at that time. Be sure to complete your total amount due prior to your due date to avoid any applicable fees. Vendor fees may apply. If you have any questions, please contact us to discuss options that may be available to you.
Yes, SAFCO allows you to make a principal payment when your account is current. All accrued interest due at the time of the payment must be satisfied prior to applying a principal payment to your account balance. To request a principal payment, please contact SAFCO at ContactUs@gosafco.com or (800) 599-8858. Refer to our Contact Us page for our hours of operation.
SAFCO will apply additional money received towards your next monthly payment, up to two months ahead. Any additional money beyond two payments will be applied to the principal balance on your account.
Yes, SAFCO allows you to pay your account up to two months ahead. Any additional money beyond two payments will be applied to the principal balance on your account.
SAFCO does not offer refinancing. As the Credit Builders, SAFCO’s program is designed to assist you with a financing solution based on your credit at the time that you purchased your vehicle. By consistently making on-time payments, SAFCO wants to help you build your credit so you have the ability to obtain lower interest rate financing in the future. Our loans have no prepayment penalty, so SAFCO does not charge any additional fees if you pay off your loan early. Please contact us for any additional questions.
Please make sure you are entering only the last 6 digits of your account number and your full Social Security Number without dashes. If you are still unable to log in, please contact us for assistance.
YES! Per your signed contract, comprehensive and collision coverage is required for the life of your loan, and you must provide evidence of insurance upon request. If SAFCO does not have proof of coverage, please contact your agent immediately and advise them to provide us with evidence of insurance. An acceptable insurance policy will meet the following requirements:
- Minimum 6 month policy
- Comprehensive and collision coverage, maximum $1000 deductible on each
Loss Payee as follows:
SAFCO P.O. Box 4520 Sioux City, IA 51104
Satisfactory auto insurance is required for the duration of your vehicle loan. Therefore, if proof of continuous coverage is not provided, you are considered in default on the terms of your contract.
If you have proof of insurance, please fax a copy of your policy to 1-866-319-1597. Be sure to include your name and account number on the fax, and call back to confirm receipt at 1-800-998-0763.
If you have received a notice regarding your insurance policy cancellation, a letter stating we need proof of insurance, or a non-renewal letter, please provide us with a copy of your insurance policy. You can complete the information and upload your declaration page on the Insurance Submission Form. You may also FAX it to: 1-866-319-1597 or call 1-800-998-0763. You may also email the information to MyInsurance@GoSAFCO.com.
Please call 1-800-599-8858 and select option 4 to speak with one of our insurance representatives. Please have the following information available:
- Date of the accident
- Name and phone number of the insurance company
- Claim number
- Insurance adjuster’s information, if applicable
- Police case number, if applicable
Please endorse the insurance check and mail to:
SAFCO – Attn: Insurance Dept. 6700 N. Andrews Ave. Suite 500 Ft. Lauderdale, FL 33309
Once all paperwork has been received for repairs, we will endorse the insurance check and return it.
You can e-mail your claim documents to: Claims@GoSAFCO.com
Yes. We report monthly to all 3 major credit bureaus; Equifax, Experian, and TransUnion.
Equifax (800) 685-1111 www.equifax.com
Experian (888) 397-3742 www.experian.com
TransUnion (800) 916-8800 www.transunion.com
A charge-off is an amount of the loan that is written off the books of record, and so deemed uncollectable by accounting standards of a finance company. The debt is still legally valid and remains as such. SAFCO has the right to legally collect on the full amount that was charged-off.
The best thing to do is to pay the balance of your charged-off debt in full. Once paid, your credit report will show “paid in full, was charged-off.” The charge-off will not be removed from your credit report, but it will show you are making an effort to resolve the negative account information.
If you are unable to pay the debt in full, create a budget to find available money to pay down the debt quicker.
SAFCO recommends consulting one of the three major credit-reporting agencies that we report to each month for additional assistance on how a charge-off account may affect your credit specifically. SAFCO reports account information on a monthly basis to Equifax, Experian, and TransUnion.
Account information, both positive and negative, may display on your credit report for up to seven to ten years. SAFCO recommends consulting one of the three credit reporting agencies that we report to each month for additional assistance on how long your account information may reflect and affect your credit specifically. SAFCO reports account information on a monthly basis to Equifax, Experian, and TransUnion.
Notify SAFCO immediately if you believe the account we are reporting is not yours and is a result of Identity Theft. SAFCO requires a filed police report and all pertinent details of the identity theft in order to perform a full investigation. A copy of the police report may be emailed to QAC@GoSAFCO.com for further investigation.
The Federal Trade Commission is an excellent resource for additional information and assistance in these situations. Please visit https://www.identitytheft.gov for assistance to complete an Identity Theft claim form. The form may assist SAFCO, and any other company, with all the necessary information to investigate the claim.
In instances of suspected fraud, please work directly with your financial institution(s) to resolve the issue. Your financial institution(s) should provide an avenue for disputing and settling fraudulent payments. Contact us to make alternate payment arrangements on your account.
Please overnight your payoff check to:
SAFCO 6700 N. Andrews Ave. Suite 500 Ft. Lauderdale, FL 33309