In most cases, yes. Heritage Acceptance understands that unexpected situations can happen and may be able to work with you on a payment arrangement to help get your account back on track.  Please call 800-233-9598 to speak with a representative about your options.

To avoid a Collateral Protection Fee, you must maintain:  • Full coverage auto insurance  • Comprehensive and collision coverage  • Deductibles of $1,000 or less  • Heritage Acceptance listed as the lienholder  • The correct Heritage Acceptance P.O. Box address listed on your policy  PO BOX 92447, Fort Worth, TX 76124  If you have questions about your insurance requirements, please contact your representative.

You should receive your title within 4–6 weeks after your final payment has been processed. If you need a lien release letter sooner, please contact Heritage Acceptance at 800-233-9598.

Late fees are assessed according to the terms of your contract if a full payment is not received by the due date.

Please contact your representative as soon as possible. In some situations, Heritage Acceptance may have options available to help.

A simple interest loan calculates interest daily based on your remaining loan balance. The sooner payments are made and the lower the principal balance becomes, the less interest you may pay over time. Adding even a small amount toward the principal balance can help reduce total interest paid and may allow you to pay off your loan sooner.

Yes. This process is known as a loan assumption. It may involve another person taking over the loan or adding/removing a borrower from the current loan. Please contact Heritage Acceptance to discuss eligibility and requirements.

Monday – Friday: 8:00 AM – 6:00 PM Eastern Time  Saturday: 10:00 AM – 2:00 PM Eastern Time

Call 1-800-233-9598 and ask to speak with your representative. If you know your representative's name or direct extension, you may dial by name or enter the extension when prompted. You can also text us at 574-784-1608.

We accept ACH payments, cash, debit cards, PayPal, Venmo, and Cash App, check or money order by mail to 118 S. 2nd St. Elkhart, IN 46516

Yes. Heritage Acceptance reports to Equifax and TransUnion once per month.