Help With Auto Loan Payments | Wells Fargo

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Help with auto loan payments

When you can't make a car payment, we're here to help

Give us a call at 1-800-289-8004 to discuss options to get you back on track.

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What you can do

Change your payment due date

Changing your auto loan payment due date may help with your budget and making on-time payments.

Defer a payment

If eligible, a payment deferment pushes out your auto loan due date and extends the loan maturity date.

Make payment arrangements

The more we understand about your situation, the better we’ll be able to suggest payment options.

Surrender your vehicle

If you're unable to make your payments and don't feel any other options will work, you may be able to voluntarily surrender your vehicle.

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Related questions

What happens if I miss a payment or make a late payment? What happens if I miss a payment or make a late payment?

There may be a fee for missing a payment or making a late payment. You can find this information in your loan agreement. Since there's a daily interest charge on loans, more interest accrues when there are more days between payments. As a result, you may pay more interest over the life of the loan.

Does a late payment affect my credit? Does a late payment affect my credit?

If your payment is 30 or more days late, it may show up on your credit report as a late payment. The degree to which a late payment affects your credit score can depend on things like how many days past due the payment is, how recently you've been past due, and how frequently you’ve made late payments. Review your credit report so you know where you stand. Free credit reports can be obtained weekly from each of the nationwide consumer reporting agencies: Equifax, Experian, TransUnion, and Innovis. Request a copy of your credit report from annualcreditreport.com.

What happens to my vehicle if it gets repossessed? What happens to my vehicle if it gets repossessed?

If we repossess your vehicle, and you don't redeem the vehicle or reinstate the account, we'll sell the vehicle at auction and apply the amount we receive from the sale of the vehicle to the amount you owe us. If the proceeds from the sale are not enough to pay the full amount you owe us, you may be responsible for paying the remaining balance.

If you repossess my vehicle, can I get it back? If you repossess my vehicle, can I get it back?

If we repossess your vehicle, there may be options to get it back. After repossession, we'll send you a letter with specific details about your account. In some cases, you can "redeem" your vehicle by paying the full amount outstanding (plus repossession costs), or "reinstate" your account by paying the outstanding monthly payments (plus repossession costs). Each situation is different, and we want to help you. Please call us at 1-888-937-9992, Monday – Thursday, 7 am to 7 pm; Friday, 7 am to 6 pm; and Saturday, 7 am to 2 pm Central Time for more information.

Review all FAQs

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Additional resources

Financial Health

Take control of your financial life with tools that help you meet your goals.

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Learn more

Explore payment options

Learn about Autopay and other ways to make auto loan payments.

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1-800-289-8004 Mon – Thurs: 7 am – 10 pm  Fri: 7 am – 9 pm  Sat: 7 am – 5:30 pm  Central Time

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