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FREQUENTLY ASKED QUESTIONS

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What are the hours of operation for Customer Care Phone Support?

You can reach a Customer Care representative Monday through Friday from 7 a.m. to 7 p.m. Central Time at 800-879-9756.

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Will I be receiving a coupon book?

In lieu of a coupon book, Triad Financial provides a monthly statement for your convenience. It is mailed approximately 20 days prior to your due date. If you do not receive a statement, please go to Payment Options.

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Where should I send my payments?

Send your payments via regular mail to:

Triad Financial Corporation
Dept. CH-10104
Palatine, IL 60055-0104

Note: Always include your 17-digit account number on your check or money order. Only payments via regular mail are accepted.

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How is my interest rate calculated?

  • For Simple Interest contracts: The buyer pays finance charges on the unpaid balance of the loan. This contract is to the buyer's advantage when, in addition to the scheduled monthly payment, additional payments are made to payoff the contract early. The finance charges will calculate lower due to the faster-than-scheduled pay down.
  • For Pre-computed contracts: The finance charge is computed in and added to the outstanding balance owed by the borrower; the same amount of interest is paid on this type of loan regardless if the payment is made early or if paid off in full before the maturity date.

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Can I change the due date on my account? If so, is there a fee?

Yes. There is no fee for a due date change. Requirements are:

  • Account is current or due date change would bring account current.
  • Your first payment must be received and posted to your account.
  • Due date change and an extension processed on the same day are not allowed.
  • Other terms and conditions may apply.

If you are interested in a due date change, send your request via e-mail to:

DDCRequest@triadfinancial.com

Or contact one of our Customer Care Representatives at 800-879-9756 Monday through Friday 7 a.m. to 7 p.m. Central Time.

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Can I request a payment extension?

Yes, however conditions apply. To see if you qualify for an extension, contact Customer Care at

800-879-9756.

Or e-mail your request with the state your loan originated in on the subject line to:

ExtRequest@triadfinancial.com

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How do I make arrangements to pay in advance?

No arrangements are required. Mail your payments via regular mail to:

Triad Financial Corporation
Dept. CH-10104
Palatine, IL 60055-0104

Go to the Payment Options page to view all payment methods.

Note: Always include your 17-digit account number on your check or money order. Only payments via regular mail are accepted.

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How do I make a payment without a billing statement?

Please see Payment Options

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What is TriPay2 Recurring Payment Plan?

TriPay2 Recurring Payment Plan is a free service that allows you to schedule monthly or bi-weekly payments from your bank accounts using your ATM or debit card number or your checking or savings account number. To qualify, your account must be paid up to date and not subject to any other payment arrangements.

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How do I sign up for TriPay2 Recurring Payment Plan?

To sign up today log on to MyAccounts and select the TriPay2 option. Simply select a payment schedule, a start date, and a payment amount. Enter your ATM or debit card number or your checking or savings account information and your plan can start today. The minimum plan duration is 3 months. For one-time payment options visit Payment Options.

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When can I sign up for TriPay2 Recurring Payment Plan?

You can start today if your account is up to date and not subject to any other payment arrangements. You are expected to arrange for the payment of a full payment amount by your payment due date and no later than 8 days past your scheduled payment due date.

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How much does TriPay2 Recurring Payment Plan cost?

To better serve our customers, Triad is offering TriPay2 as a free service. However, check with your financial institution for possible fees it may impose.

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Who qualifies for TriPay2 Recurring Payment Plan?

Your account must be paid up to date, in good standing and not subject to other existing payment arrangements.

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Can I set up my payments in TriPay2 for more than my contractual payment amount?

Yes. TriPay2 Recurring Payment plan allows you to schedule more than your monthly payment amount. You may also increase or decrease the additional amount at any time.

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What happens if I don?t have enough money in my account on the TriPay2 transaction date?

Triad reserves the right to terminate your participation in TriPay2 Recurring Payment Plan if your payment is rejected. Payments may be rejected by your financial institution as a result of insufficient funds, closed or unauthorized account or for other reasons. Check with your financial institution for possible fees it may impose.

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How do I cancel my TriPay2 Recurring Payment Plan?

Visit the MyAccounts web page, select the TriPay2 option and change your End Date schedule.

  • Enter the number of payments you want scheduled.
  • Enter a date for the plan to end. For one-time payments go to Payment Options..

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Can I use my savings account for TriPay2 payments?

Yes, you may use either your checking or savings account for the TriPay2 Recurring Payment Plan. Please confirm your Bank Routing number and Savings Account number with your financial institution.

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How long does it take to set up a TriPay2 Recurring Payment Plan?

Complete the online form before 6 p.m. Central Time and your plan can start today. You will receive a confirmation email verifying a successful application.

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Once enrolled, how do I change information on my TriPay2 Recurring Payment Plan?

Log on to MyAccounts, select the TriPay2 option and make any necessary change to the payment schedule, payment amount, bank information or to update your email address.

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Will the payment amount change in TriPay2 to cover fees and charges?

No, not automatically. You may change the scheduled payment amount at any time to include an additional amount or to cover fees and charges.

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Do I have a grace period on my account?

Payments are due on the due date specified on your contract. Unfortunately, there is no grace period. Late charges are assessed according to state regulations.

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Can I change/update my mailing address or e-mail address?

Yes. Simply go to My Profile under My Account and click on Update Profile, contact one of Our Customer Care Representatives at 800-879-9756 or e-mail us at care@triadfinancial.com.

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What if I want to change the name on my account?

We require your new Social Security card, driver's license and a legal document such as a marriage license or a divorce decree to change a name. Fax a signed written request, a copy of your Social Security card and driver’s license and a copy of the marriage license or divorce decree to our Loan Administration department at 817-605-5253. Your new legal name will be hyphenated to your name on the contract.

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Can I add or delete an individual from my loan?

Your loan document is a legal document and cannot be modified.

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How can I correct my DMV registration?

Simply contact your state/local DMV or public safety office to determine their requirements. If you have further questions or need assistance, please contact our Title department at 877-631-6200 ext# 41089.

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How do I go about paying off my loan?

View your 10-day payoff under My Account or contact one of our Customer Care Representatives at 800-879-9756. Be sure to include your 17-digit account number on your payment and mail it to:

Triad Financial Corporation
Dept CH 14222
5505 N. Cumberland Ave
Chicago, IL 60656-4758

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I paid off my loan. When will I receive my title or a lien satisfied?

The certificate of title or lien satisfied is sent to the authorized party (person/entity who paid off the loan) in accordance with state-specific regulations after the payoff has been posted to your account.

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When will I receive my payoff overpayment refund?

Any overpayments are refunded to the authorized party 21 business days after the payoff was posted to your account.

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How can I get information about my allotment?

Allotment monies are received and posted to the account during the first week of the month. If you need additional information or assistance, please contact our Loan Administration department at 877-631-6200, ext 41081.

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Can I pay more than the monthly payment that is due?

Yes. Any amount over your monthly payment will automatically be processed and applied to your next month's payment and will advance your next due date.

NOTE: If your loan is based on Simple Interest contract, it is recommended you continue to make your monthly payment on time (don't skip any month even though you've paid ahead) in order to pay your loan quicker.

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What is required to take my vehicle out of the country?

A vehicle can be taken outside of the U.S., however the requirements are:

  • Account must be current (including late fees).
  • If payment is due while collateral (vehicle) is out of the country, it must be paid in advance.
  • Loan must be on the books for a minimum of six months.
  • Thirty days is the maximum amount of time the collateral is allowed out of the country.
  • Proof of insurance stating the vehicle has coverage outside of the U.S. (the insurance requirements are the same as those within the U.S.):
    • Full coverage
    • Maximum deductibles of $500 for comp/collision
    • Triad Financial Corporation listed as the loss payee/lien holder
  • Triad must have possession of the title.
  • Two verifiable current references in the U.S., preferably family.
  • Address and phone number in the foreign country where the customer(s)/vehicle can be located.
  • A signed written request stating where, when and how long the collateral will be out of the country.
  • Military exceptions:
    • No minimum number of payments required.
    • Along with signed written request, copy of the military orders must be submitted (collateral can be out of the country throughout duration of the military orders).
    • Proof of current insurance.
    • In addition to two U.S. references, one reference from destination country, or name and phone number of commanding officer.

Once you have gathered all required information, mail your request to:

Triad Financial Corporation
Loan Admin Dept.
5201 Rufe Snow Drive
North Richland Hills, TX 76180-6036

Or fax to 817-605-5253.

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I am in the military and have been called to active duty. How do I apply for relief under the Soldiers & Sailors Relief Act?

Fax the following documents to 817-605-5253:

  1. Signed written request
  2. Full copy of official military orders

Or contact one of our Customer Care Representatives at 800-879-9756 for instructions.

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How do I apply for an allotment?

To be eligible, you must be a current member of the military or a current government employee.

Go to www.weballotments.com, complete the 1199A Direct Deposit Sign Up form and follow the instructions. You will need:

  1. Your Triad Account number (only 10 digits)
    For example: 400-001-4567890-0001.
  2. Triad’s Company Code: 11615-000 .

Your Triad account should remain current during the set-up process.

It can take approximately 30 to 60 days for the allotment to take effect. You are responsible for keeping the account current during this time.

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I am in the military, have received orders for overseas duty and would like to take my car out of the country. What do I need to do?

Contact our Loan Administration department at 877-631-6200, ext# 41081 or fax a written request including the following information to 817-605-5253.

  1. Your contact information in the new country
  2. Two references in the United States
  3. Date vehicle will be shipped
  4. Name, address and phone number of a reference in the new country
  5. Copy of your official military orders
  6. Proof of insurance

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What should I do if I believe there are errors in my account information?

Contact a Customer Care representative at:

E-mail : care@triadfinancial.com
Phone : 800-879-9756
Fax : 817-605-5253

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If my vehicle has been repossessed, what is the procedure for recovery?

Please call 800-587-4230, ext# 41079 to redeem (to pay-off the full balance of the loan) your vehicle or determine if you qualify for reinstatement (to reinstate the contract; continue making payments).

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What do I do if my vehicle has been in an accident?

After you have contacted your insurance company, please call our Insurance department at 800-587-4230, ext# 41070.

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I received an insurance check for repairs to my vehicle. In order for me to make payment to the body shop and claim my vehicle, Triad must endorse the check. How do I go about getting a signature from Triad?

Please call our Insurance department at 800-587-4230, ext.# 41070.

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I have filed for Bankruptcy protection. Who should I contact to relay my information?

Please fax your notice of filing to 817-605-5301 or contact the Bankruptcy department at 800-587-4230, ext.# 41059.

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I forgot my password. How can I retrieve it?

Please e-mail us at care@triadfinancial.com and ask for your password to be reset.

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 Why are some people declined for an auto loan?

There are several reasons why an application may be declined.

The most common reason for a loan decline is bad credit. A history of poor debt payments can be more damaging than any other reason. High loan to value, a pattern of late payments, collections, charge-offs, child support/alimony issues and tax liens are other common reasons loans are declined.

Your credit payment history is recorded in a report maintained by consumer reporting agencies or credit bureaus such as Equifax, TransUnion and Experian. Your credit record contains information provided by businesses and public records - information such as court documents, property taxes, residence, debts, and credit payment history. Credit history is important and affects all of us at some point in our lives. First of all, potential lenders look at it to figure out how likely you are to repay a new loan. When deciding whether or not to approve a loan, a lender will factor in your credit worthiness and your potential risk. They generally take into account: (1) how promptly you pay your bills; (2) how much credit you've had and what kind; (3) how much you owe other creditors; (4) your income and (5) your employment and your residence history.

You have a right to review your credit payment history on file with the credit bureaus. The Fair Credit Reporting Act (FCRA) was established, in part, to ensure that accurate and complete information is maintained by the credit bureaus.

From time to time, it's a good idea to examine your credit history to look for errors in your credit report.

If your auto loan request or request to purchase a contract was declined by Triad Financial, we will be unable to provide this information to you over the phone. However, a letter of explanation will be sent to you via the mail stating the reason for your declined application. The letter will include a phone number for the credit agency that provided the credit report which Triad Financial used to make its credit decision.

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 How can I refinance my current vehicle?

We may not be able to refinance your current auto loan if you already have an existing account balance with Triad Financial. To see if you qualify for our refinance program, contact our direct lending organization, RoadLoans.

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