Customer FAQs

How can I enroll in SAFCO’s Autopay?

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.

To enroll in this option, click on My Account to log in, then select Autopay to set up automatic payment arrangements. Please contact us for additional information or questions.

What are my payment options?

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.

Does SAFCO have a mobile app?

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.

Does SAFCO have a grace period?

SAFCO does not have a grace period; payments are required to be made by the due date on your contract. On a simple interest loan interest accrues daily. Please click here for additional details.

Will I be charged a late fee if I make my payment after my due date?

Late fees are applied according to state laws. Please refer to your Retail Installment Sales Contract or contact us for further information.

My payment did not go through on my account, will you reprocess that payment?

Checks will automatically be attempted twice; all other payment methods are attempted once.

Can I change the date my payments are due?

If your account is current, you may be eligible for a due date change. Please note that a due date change is permanent. To request a due date change, please contact us.

When will my payment be applied to my account?

Payments made before 5:00 p.m. EST are generally posted within one business day of the transaction date. For additional information on posting times for specific payment methods, please contact us.

What information do I need to make a payment online?

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.

How do I know my payment was received?

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.

What if I can only make a partial payment on my 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.

Can I make a principal payment on my loan?

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.

What happens if I pay more than my monthly payment?

SAFCO will apply additional money received towards your next monthly payment, up to one month ahead.  Any additional money beyond two payments will be applied to the principal balance on your account.

Can I pay my account ahead?

Yes, SAFCO allows you to pay your account up to one month ahead. Any additional money beyond one payment will be applied to the principal balance on your account.

How can I get a copy of my statement or payment history?

You may obtain your statement or payment history by logging into your account at You may also contact us for additional assistance or questions.

Can I refinance my contract?

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.

I am having difficulty logging into my account, what should I do?

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.

Can I update my personal information online?

Yes. You can change your address and contact information online. If you find any other information to be incorrect, please contact us for assistance.

Can I authorize someone to speak with SAFCO regarding my account?

Yes. You can log into your account and select the link to authorize someone to speak with SAFCO on your behalf. You may also contact us for additional assistance.

Am I required to have automobile insurance?

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

What if I don’t have automobile insurance on my vehicle?

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.

I received a notice that my insurance policy has been cancelled, but I have insurance. Who should I contact?

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

What do I do if I have an insurance claim?

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
How do I get my insurance check endorsed?

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:

Do you report my payment history to the credit bureaus?

Yes.  We report monthly to all 3 major credit bureaus; Equifax, Experian, and TransUnion.

Equifax (800) 685-1111

Experian (888) 397-3742

TransUnion (800) 916-8800

How may I obtain a copy of my credit report?

You may obtain a copy of your credit report by visiting

What is a Charge-Off?

A charge-off is an amount of the loan that is written off the books of record, and so deemed noncollectable 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.

What Should I Do if I Have a Charge-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.

How Does a Charge-Off Affect My Credit Report?

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.

How Long Does a Charged-Off Debt Stay on My Credit Report?

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.

What do I do if I have had my identity stolen?

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 for further investigation.

The Federal Trade Commission is an excellent resource for additional information and assistance in these situations.  Please visit 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.

I moved to another state and need a copy of my title. What do I do?

Upon arrival in your new state you should visit your local DMV office.  They must send SAFCO a written request for the documents they require to transfer your title to their state. They can send the request via:

  • Contact Us
  • Fax (954) 556-9331
  • Regular mail 6700 N. Andrews Avenue Suite 500 Ft. Lauderdale FL  33309; Attn: Titles Department.

Upon receipt of the request, SAFCO will send the documents directly to the DMV via FedEx.
Requests are usually completed within 48 hours.

Please note: Moving from an electronic title state requires waiting for a paper title
and may result in increased processing times.

Every state handles the title transfer process differently.
Please visit your DMV office at your earliest convenience for more specific details.

Do you offer SCRA relief for active service members?

We do offer SCRA relief for active members. Please reference our SCRA page for more details.

What can I do if I believe my card/account number was used fraudulently for a payment?

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.

How do I request a payoff amount on my account?

Payoff amounts are available through our automated phone system. Call 1-800-599-8858 and select option 2 for payoff information. Please contact us regarding any further questions.

Can SAFCO assist me if I am experiencing a financial hardship?

Assistance may be available. Please contact us for more details.

Where can I mail a payoff check?

Please overnight your payoff check to:

SAFCO 6700 N. Andrews Ave. Suite 500 Ft. Lauderdale, FL 33309


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