Covid Quarantine FAQs

What if I can’t afford to make my car payment right now?

Many of us do not know when we will be able to get back to work. So, deferring a car payment or two may be helpful. My friends at LaFontaine Auto Group helped put the following information together. Contact your bank of lease-holder and see if they can work with you. Many are making accommodations. Be patient on the phone, though as they are getting a lot of calls.

Below is some information on some of the things that our automaker and lender partners are doing in terms of offers and assistance to customers during this time. We will continue to update this blog post as additional information becomes available. This list is not exhaustive. If you need info on a lender not on this list, please contact us at info@authorizedvehicles.com.

 

Click on a brand. List of additional lenders below.

 

Ally

  • Ally wants to assist customers to make the lease-end transition as stress free as possible.  Therefore, we are allowing all lease customers with scheduled maturity dates from March 1, 2020 through April 30, 2020 to drive their vehicle for an additional 30 days from the original maturity date, on us.

Important Details:

  • Ally has notified eligible lease customers directly via email or text

  • The additional month is being provided at no cost to the customer (no monthly lease payment, charges or fees will be assessed)

  • SmartLease customers will receive additional monthly miles based on the mileage structure in the original lease agreement.

    • Example: Existing SmartLease term is 24 months 30,000 miles (15k per year or 1,250 per month).  The extension increases total allowable miles to 31,250.  Any excess mileage charges at termination will be assessed beginning at 31,251 miles.

    • Customers who purchased extra mileage upfront may receive a rebate of unused mileage based on total miles at termination as provided in the original lease agreement.

  • Customers may return their vehicle prior to the new scheduled end date without penalty.

    • Customers who wish to return their vehicle before the extension expires should contact Ally at 1-888-925-2559.

  • Contact Details:

    • Ally Customer Service: 1 (877) 247-2559

    • Ally Customer Service: Website

 

Chase

  • Contact Details:

    • Chase Customer Service:

      • Retail Loans: 1 (800) 336-6675

      • Leases: 1 (800) 227-5151

      • Website

  • Chase is offering a 90-day payment extension period for loans and leases no matter the stage of delinquency and waving existing late and non-sufficient funds fees.

 

Fiat-Chrysler

  • If you need help or have questions regarding your Chrysler Capital account resulting from the Coronavirus outbreak, you can reach us by phone at 855-563-5635. We have programs in place to help customers experiencing difficulty due to the impact of the virus. Chrysler Capital’s customer service team is standing by to review accounts of customers who need assistance and to explore potential options to help during this time. However, we also ask for your patience as higher than normal call volumes may result in longer wait times. We will get to your call as quickly as possible.For current Fiat-Chrysler owners and lessees: flexible payment arrangements, payment extensions on a case-by-case basis

  • For prospective Fiat-Chrysler buyers:

    • 0% APR for 84 Months on select models

    • No Payment for 90 Days – Ally Financial

  • Contact Details:

    • FCA Customer Service: 1 (800) 334-9200

    • FCA Customer Service:  Website

    • Chrysler Customer Service: 1 (800) 247-9753

    • Dodge Customer Service: 1 (800) 423-6343

    • Jeep Customer Service: 1 (877) 426-5337

    • Ram Customer Service: 1 (866) 726-4636

  • Chrysler Capital:

    • Customer Service: 1 (855) 569-9023

    • Website

Ford Motor Company

  • For current Ford owners and lessees: flexible payment arrangements, payment extensions on a case-by-case basis

  • For prospective Ford buyers: delay of first payment for 90 days

  • Ford Coronavirus Payment Plans

    • In its just-announced program, Ford Credit advises its customers to contact the company if they are concerned about their ability to make their monthly payments in light of the current situation. These customers may be able to change a payment due date or delay a payment. The offer applies to those who have purchased or leased a vehicle through Ford Credit. To get information on the Ford coronavirus payment relief programs, Ford Credit customers should access their Account Manager profile either online at accountmanager.ford.com or through the FordPass app. Alternatively, they can call a special hotline – 1-800-723-4016 – to discuss their individual options.

  • Contact Details:

    • Ford Motor Company Customer Service: 1 (800) 392-3673

    • Ford Motor Company Customer Service: Website

    • Ford Credit Customer Service: 1 (800) 727-7000

    • Ford Credit Customer Service: Website

General Motors

  • For current GM owners and lessees: flexible payment arrangements, payment extensions on a case-by-case basis

  • For prospective GM brand buyers: interest-free financing for 84 months with deferred payments for up to 120 days

  • Cadillac: 0%APR for 60 months plus $2,000 cash allowance on select models. See LaFontaine Cadillac for details.

  • Contact Details:

    • General Motors Customer Service: 1 (866) 522-9559

    • General Motors Customer Service: Website

    • GM Financial Customer Service: 1 (800) 284-2271

    • GM Financial Customer Service: Website

Genesis

  • For current Genesis owners and lessees: up to six months of payments for new owners who lose their jobs and have purchased or leased their vehicle between March 14 to April 30, 2020, through Genesis Finance

  • For prospective Genesis buyers: deferred payments up to 90 days on 2019 G70 models

  • **See “Hyundai Coronavirus Payment Plans” below for additional information**

  • Contact Details:

    • Genesis Customer Service: 1 (844) 340-9741

    • Genesis Customer Service: Website

Honda

  • For current Honda owners and lessees:

  • 90 Day Deferred Payment on all new vehicle sales for customers Tiers Retail Only
    We are offering payment extensions and deferrals as well as late fee waivers to customers impacted by COVID-19.

  • For prospective Honda buyers: No Payment for 90 Days – Ally Financial

  • Honda Parts – 10% off Parts for Law Enforcement / First Responders / Medical Professionals

  • Contact Details:

    • Honda Customer Service: 1 (800) 999-1009

    • Honda Customer Service: Website

Hyundai

  • For current Hyundai owners and lessees: up to six months of payments for new owners who lose their jobs and have purchased or leased their vehicle between March 14 to April 30, 2020, through Hyundai Capital

  • For prospective Hyundai buyers: deferred payments up to 90 days on selected vehicles

  • Hyundai Coronavirus Payment Plans

    • Hyundai Motor America has revived its Assurance Job Loss Protection program, first introduced during the Great Recession. It’s luxury division, Genesis, is offering Genesis Cares. These programs can support customers who might otherwise find it impossible to keep up their car payments due to the coronavirus pandemic and its economic consequences. In addition, they are designed to provide financial reassurance to those who are currently in the market for a vehicle. According to the terms of the program, Hyundai and Genesis will make up to six months of payments for new vehicle owners who lose their jobs between now and December 31, 2020. Eligible customers must have purchased or leased their vehicles between March 14 to April 30, 2020, through Hyundai Capital or Genesis Finance. The payment relief is available for all customers, regardless of employment history, who purchased or leased their new vehicle from a Hyundai or Genesis dealer and financed it through the brand’s captive finance company. It covers all of the company’s models.

  • Contact Details:

    • Hyundai Customer Service: 1 (800) 633-5151

    • Hyundai Customer Service: Website

Subaru

  • For prospective Subaru brand owners and lessees:

  • No Payment for 90 Days – Ally Financial

  • 0% / 63 months & .9% / 72 months on ’19MY and ’20MY Legacy, Outback, Impreza, Forester and Asscent

  • .9% / 48 months & 1.9% / 72 months on ’19MY and ’20MY Crosstrek, WRX and BRZ

  • $1,000 ‘A’ retailer cash – ’20MY Outback, $1,500 ‘A’ retailer cash – ’20MY Ascent

  • CPO rate decrease on 100 basis points – all terms, all models (with exception of ’19MY Outback – already at 1.99% / 72 months). All eligible model years and carlines now offers .99% / 36 months

  • Contact Details:

    • Subaru Customer Service: 1 (800) 782-2783

    • Subaru Customer Service: Website

Toyota

  • For current Toyota owners: flexible payment arrangements, payment extensions on a case-by-case basis

  • For prospective Toyota brand owners and lessees: No Payment for 90 Days – Ally Financial

  • Contact Details:

    • Toyota Customer Service: 1 (800) 331-4331

    • Toyota Customer Service: Website

    • Toyota Financial Customer Service: 1 (800) 874-8822

    • Toyota Financial Customer Service: Website

Volkswagen

  • For prospective VW brand owners and lessees: No Payment for 90 Days – Ally Financial

  •  

  • Deferred 1st Payment for 180 Days: Tier 1 and 2 customers who purchase a new vehicle will have the option to defer payments for up to 180 days

  • Retail Incentive Enhancement: 0% APR Tier 1 and 2 up to 72 Months

  • Contact Details:

    • VW Customer Service: 1 (800) 822-8987

    • VW Customer Service: Website

    • VW Credit Customer Service: 1 (800) 428-4034

    • VW Credit Customer Service: Website

Volvo

  • For prospective Volvo brand owners and lessees: No Payment for 90 Days – Ally Financial

  • Contact Details:

    • Volvo Customer Service: 1 (800) 550-5658

    • Volvo Customer Service: Website

    • Volvo Finance Customer Service: 1 (866) 499-6793

    • Volvo Finance Customer Service: Website

 
 
 
 
 
 
 
 
 
 
 

More Lenders

Ally

American Credit Acceptance (ACA)

Americredit

Auto Trakk

Avid Acceptance

Bank of America

Birmingham Bloomfield Credit Union

Capital One

Carvant Financial

Case Credit Union

Chase

Chemical Bank / TCF

Chief Financial Credit Union

Chrysler Capital CCAP

Citizen One

Coastal Credit

Community Choice Credit Union

Community Financial Credit Union

Consumer Portfolio Services (CPS)

Consumers Credit Union

COPOCO Community Credit Union

CP Federal Credit Union

Credit Acceptance Corp. (CAC)

Credit Union One

Credito Real USA Finance

Crescent Bank and Trust

DFCU Financial

Dort Financial Credit Union

Dow Chemicals Employees CU

Downriver Community Federal Credit Union

ELGA Credit Union

Exeter

Fifth Third Bank

Financial Plus Credit Union

First Help Financial

First Investors Financial Services

First National Bank of Howell

Flagship Credit Acceptance

Ford Motor Credit

Frankenmuth Credit Union

Friendly Financial

Gateway Financial Services

Genisys Credit Union

Global Lending Services

GM Financial

Gratiot Community Credit Union

Honda Motor Finance

Honor Credit Union

Huntington

Hyundai Motor Finance

Key Bank

Kia Motor Finance

LAFCU

Lake Michigan Credit Union

Lake Trust Credit Union

Michigan Educational Credit Union

Michigan First Credit Union

Michigan Schools and Government CU

Michigan State University Federal Credit Union

Nicholas Financial

Our Credit Union

PFCU

PNC Bank

Prestige Financial Services

Public Services Credit Union

Regional Acceptance

Santander

Security Credit Union

Skopos

Sovita Credit Union (Was Flint Area School Employees Credit Union)

Subaru / Chase (Lease)

TD Auto

Tidewater

Toyota Financial Services

University of Michigan Credit Union

US Bank

Vibe Credit Union

Volvo Financial

VW Credit

Wanigas Credit Union

Washtenaw Federal Credit Union

Wells Fargo

Zeal Credit Union

 

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800-336-6675 or Website

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517-647-7571 or Website

888-762-2265 or Website

888-376-7697 or Website

734-641-8400 or Website

866-380-9730 or Website

800-222-4227 or Website

810-235-2322 or Website

877-505-6778 or Website

800-369-2789 or Website

800-227-5151

800-556-8172 or Website

757-961-5510 or Website

800-286-0652 or Website

734-662-8200 or Website

866-250-3147 or 800-872-2625 or Website

248-735-9500 or Website

866-499-6793 or Website

800-428-4034 or Website

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