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Volvo Car Financial Services

FAQs

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Updating Your Account Information

I just moved to a new state. How do I register my vehicle?

Please check with your local Department of Motor Vehicles office or tag agency for information on the necessary paperwork.

Make sure to ask whether the required documents and procedures are different if you have a lease or if you purchased your vehicle.

If a Power of Attorney or other information or documentation is needed, please contact our office by calling 1-866-499-6793.

If the original title is required, the Department of Motor Vehicles must provide the request to us in writing.

Mail to: Volvo Car Financial Services, PO Box 91300, Mobile, AL 36691-1300 or fax: 314-702-4499.

Updating Your Account Information

How can I change the email address on my account?

You can update your email address on this site. Log in to your account and change your email address.

Updating Your Account Information

How can I change the mailing address or phone number on my account?

You can update your address and phone number online.

Log into your account and change your address and phone number under "Edit account contact settings".

You can also use the form on the back of your monthly statement or invoice.

For further questions please call 1-866-499-6793 for a Customer Service representative.

Updating Your Account Information

How do I get my name changed on the title?

Contact your local Department of Motor Vehicles office or tag agency for the necessary paperwork to complete and send to our office. Please send us the paperwork, title fee and certified copy of your marriage license or divorce decree. Upon receipt of all required documents, we will send the original title to the state to process the name change.

Mail to: Volvo Car Financial Services

PO Box 91300 

Mobile, AL 36691-1300 

or fax: 314-702-4499

Updating Your Account Information

How can I update my checking account information for Automatic Payments? (Auto Pay)

In order to change your bank account information, please follow these simple steps:

1. Log in.
2. Click on "Manage Auto Pay".
3. Click on Edit.
4. Update with new or edit existing routing or numbers.
5. Select the "Electronic Check" option and enter your new bank information to process your payment.

Please note if the name on the bank account is different from the name on your account with us, please download, complete and submit an Auto Pay Setup form.

Updating Your Account Information

How do I change my name on my account?

Please send us the appropriate documentation.

Mail or fax us a note with your account information and required documentation. If your name was misspelled, please send or fax us a copy of your driver's license.  

If your name has changed, please send or fax us a copy of the document showing your new name (such as a copy of a marriage certificate or the divorce decree, etc.). 

Mail to: Volvo Car Financial Services

PO Box 91300 Mobile, AL 

36691-1300 

or Fax: 314-702-4499

Updating Your Account Information

My name is incorrect on my account. How can I get this corrected?

Mail or fax us a note with your account information and required documentation. 

If your name was misspelled, please send or fax us a copy of your driver's license.  If your name has changed, please send or fax us a copy of the document showing your new name (such as a copy of a marriage certificate or the divorce decree, etc.). 

Mail to: Volvo Car Financial Services, PO Box 91300, Mobile, AL 36691-1300 or fax: 314-702-4499.

For more information or questions please call toll free 1-866-499-6793.

Updating Your Account Information

I have been transferred out of the country. May I take my vehicle with me?

You can only use your car inside the continental US or Canada (for 30 days).

Please refer to your contract for specific information. If you need further information, please contact the Customer Care Department.

Or call toll free 1-866-499-6793 to speak to a Customer Service representative.

Checking Your Account Status and Information

How can I check the status of my account, or obtain additional account information?

It's easy to update your account information.

Log in to view the details of your account.  You can view your statement or invoice online, make a payment, download forms, and more. 
 
You may also call our 24-hour automated phone system.  Please refer to the left column of this page for our toll-free phone number (located under General Inquiries).
Payment Methods

What if my check clears through my bank, but does not show as applied to my account?

We understand, just send us a copy of the check.

Please fax or send us a copy of the front and the back of the cancelled check so we can research the missing payment.
Please refer to the General Inquiries category in the visit the Contact section above for our mailing address or fax number.

Payment Methods

Do you have Automated Payments, also known as recurring payments, ACH, debit or automatic draft available?

Yes, set up auto pay and make your life easier!

We offer an automated payment program so your payment is automatically transferred from your financial institution every month. You can set up automated payments by downloading and completing a form from this Web site. Log in to your account to access the Automatic Payment Program form.  

 
Please keep in mind that when you pay off your account or sell your vehicle, you are responsible for telling us to stop your automated payments. At that time, please contact us by phone. Please use the toll-free number listed under the Payment Inquiries category in the left column of this page.
 
Please Note: In order to view your statements online, you must check the box for Email Notifications.
Payment Methods

Can I make a payment online?

Yes, you can pay online.

You can make a payment online with no convenience fee. Simply log in to your account and choose the Make a Payment option. You can enter your bank information or you may be able to select an account that you have used in the past to make a payment to us. To change your checking account information, see "Updating Your Account Information." Once you finish the payment process, you will receive your confirmation. Your payment will be shown in your bank account within two business days.

Payment Methods

Can I pay by Western Union Quick Collect or MoneyGram?

Yes, we take Western Union and MoneyGram payment.

If it's more convenient you can visit the local Western Union or MoneyGram location to make your payment through one of these convenient services. Bring your account number. Please be sure to ask about any service fees.

For Western Union: 

Provide the agent with the required codes; CODE CITY: VLVCFS, STATE CODE: AL. To find a Western Union location near you, please click here or call 1-800-325-6000.

For MoneyGram: 

Provide the agent with the required code; Receive Code: 10857. To find a MoneyGram location near you, please click here or call 1-800-MONEYGRAM.

Payment Methods

Can I pay by mail if I lost my monthly invoice or statement?

Yes, please send us a payment by mail.

You may send your check, cashier’s check or money order by mail.

Please refer to the Payment Inquiries category in the left column of this page for our payment addresses.  Please note that there are separate addresses for Retail and Lease accounts.
 
Please make sure to put your account number on your check.
Payment Methods

How do I cancel my paperless invoices or statements and go back to receiving them in the mail?

That's not a problem. You can get paper invoices again.

You can cancel your paperless invoice or statement preference at any time by following these simple steps:
 
1.       Log in.
2.       Go to "My Account."
3.       Click on "My Profile."
4.       Choose "Paperless Options."
5.       Check the box for "Email Notifications."
6.       Mark the "Off" button next to the account(s) you would like to update.
7.       Click "Submit."
 
Please Note: Your request may require up to one (1) month to take effect.

Payment Methods

Can I pay by phone?

Yes, call us.

You can make a check payment over the phone.

Please call 1-866-499-6793 toll-free to make a payment (see Payment Inquiries category to make a payment by phone).

Payment Methods

I mailed my payment close to my due date. Is there a grace period?

Yes, you have some time. But you still may see a late fee. Review your contract for your specific "grace period".

Our contracts do not provide for a late charge until a specified number of days after the due date. The payment must be posted to the account within that period to avoid a late charge. Please review your contract to verify the number of days before a late charge is assessed.

Understanding Your Monthly Retail Installment Account Statement

Why is my payment amount different on the statement, than on my contract?

There might be late fees or other charges on your account.

The statement shows the exact amount due for your next payment and includes your scheduled payment plus any late charges or other amounts that may be due.


Understanding Your Monthly Retail Installment Account Statement

Why is the "must be received by" date different than my payment due date?

The final payment of your lease will be on a different date than you scheduled payment.

The "must be received by" date only applies if you are paying off the full balance owed on your account - the "Payoff Amount".

If you wish to pay the "Payoff Amount," we must receive your check or money order on or before the date shown.

Your regular payment due date has not changed.

Understanding Your Monthly Retail Installment Account Statement

I did not receive my monthly statement. What should I do?

You have some options:

Pay Online
A copy of your most current statement is always available on this Web site. You can log in to your account any time. You can also use this website to make an online payment. 
 
Pay by phone
You may call our automated Voice Response phone line and authorize a payment from your bank account.  This service is available 24/7.  Please ensure that you have your account number ready when you call.  Please refer to the Payment Inquiries section in the left column on this page for our toll-free phone number. 
 
Pay by mail
You can mail your payment without the statement. Please be sure to write your complete account number on your check before mailing.
 
Please refer to the Payment Inquiries contact information in the top navigation for the appropriate mailing address. 

Understanding Your Monthly Retail Installment Account Statement

How do I obtain a payoff on my account?

Want to pay your account off?

You are able to request a payoff quote via our website.  Please log in to your account to Request a Payoff Quote. You will be provided with a payoff quote and instructions on where to mail your payoff amount.
 
Also, your monthly statement includes your payoff amount and payment instructions. Make sure to check the front and back of the statement to obtain complete instructions.
 
You may also call our automated Voice Response phone line (refer to General Inquiries section in the left column of this page for our phone number). Please ensure that you have your complete account number or Social Security Number available. You will be provided with the payoff amount and will also be given the option to have it faxed to you. Instructions on where to mail your payoff will also be provided.

Understanding Your Monthly Retail Installment Account Statement

Why does the statement show a late charge? My payment is not late.

There may be late charge on your account.

Even though your most recent payment may have been on time, previous payments may have been late. The late charges shown on your statement reflect the total balance of unpaid late charges due on your account.  Payments not received within the grace period disclosed in your contract are subject to a late charge.


Understanding Your Monthly Lease Account Invoice

Why has the amount of my monthly payment changed on my lease invoice?

Your local tax rate may have changed.

Changes in the monthly invoice amount could be due to a change in your local tax rate if you have moved to another tax jurisdiction, or if your account has been assessed any miscellaneous charges.

Understanding Your Monthly Lease Account Invoice

I did not receive my monthly invoice for my lease payment. What should I do?

You have some options:

Pay online
A copy of your most current invoice is always available on this website. You can log in to your account any time. You can also use this website to make an online payment.

Pay by phone 

You may call our automated Voice Response phone line and authorize a payment from your bank account. This service is available 24/7. Please ensure that you have your account number ready when you call.
     
Please refer to the Payment Inquiries section in the left column on this page for our toll-free phone number.

Pay by mail

You can mail your payment without the statement. Please be sure to write your complete account number on your check before mailing.

Please refer to the Payment Inquiries contact information in the left column of this page for the appropriate mailing address.
Understanding Your Monthly Lease Account Invoice

Why did I get a late charge on my lease invoice when my payment is not even due yet?

There may have been late charges on your account.

Even though your most recent payment may have been on time, previous payments may have been late. The late charges shown on your invoice are the total balance of unpaid late charges due on your account.  Payments not received within the grace period disclosed on your contract are subject to a late charge.

Understanding Your Monthly Lease Account Invoice

How do I obtain a payoff on my account if I wish to purchase my vehicle before the end of my lease?

Please contact us for payoff and vehicle purchase information.

This website contains information on the entire end-of-lease process, including options for turning in your vehicle to your dealer or purchasing it. For information on paying off your vehicle prior to lease maturity, please log in to view your Payoff amount.

Understanding Your Monthly Lease Account Invoice

What are my options for the end of my lease?

You've got options.

This website contains information on the entire end-of-lease process, including options for turning in your vehicle to your dealer or purchasing it. Learn more about your lease-end options.

Understanding Your Monthly Lease Account Invoice

What is this "previous amount due" on my lease invoice?

These are unpaid charges.

"Previous amount due" represents any unpaid charges. This would include any unpaid payments, late charges, or miscellaneous charges such as property tax or parking tickets.

Paperless Option

How will I know when my paperless invoice or statement is ready to view online?

We will email you.

You will receive an email notification. 

If you have not received an email confirming your paperless option, please contact us.

Paperless Option

How can I Go Green and replace paper invoices or statements with emails?

It's easy to go paperless with Volvo Car Financial Services.

Not registered for the Web site yet? Sign up for paperless invoices or statements during your registration.

Already registered on the Web site? Click here to go green and see your account statements online, instead of by mail.

Paperless Option

If I am enrolled in the Automatic Payment Program, can I also sign up for paperless invoices or statements?

That's easy. You're automatically enrolled in Paperless with this option.

If you are enrolled in the Automatic Payment Program, we have already discontinued mailing your invoices or statements.

To start receiving paper invoices again login to your account and disable "Paperless Option".

Paperless Option

How do I make a payment once I go paperless?

It's easy, just log in and select Make A Payment

Save time and money by making a payment online on your account summary page.
 
If you choose to send your payment by mail, be sure to write your complete account number on your check.

Paperless Option

I’ve signed up for paperless invoices or statements. Why have I received an invoice or statement in the mail?

Don't worry, it may take a month to update.

Your request may require up to one (1) month to take effect.

Paperless Option

How do I cancel my paperless invoices or statements and go back to receiving them in the mail?

Not a problem. You can easily switch back to receiving paper invoices by mail.

You can update your statement preference at any time by clicking here. Under Paperless statements, slide the button to the "no" position and save your changes. 

Please note: Your request may take up to one (1) month to go into effect. 

Property Tax

I am being billed for property tax in a county in which I do not live. How can this be corrected?

Don't worry. We can fix it.

Please fax or send us a copy of the current vehicle registration. We will make the correction and apply for a refund from the county.

Please refer to the General Inquiries category in the left column of this page for our mailing address or fax number.

Property Tax

What should I do with my license plate if I am in a property tax state and moving to another state, or turning in the vehicle?

You will have to return your plate to DMV.

Please return the license plate to your local Department of Motor Vehicles office or tag agency as soon as possible. This will serve as notification to the state that you have returned your vehicle or are moving to another state. Please retain your receipt.

Property Tax

I am in the military. Am I exempt from paying taxes on my leased vehicle?

No. You are still responsible for taxes.

A leasing company (VCFS Auto Leasing Company) is listed as the owner of the leased vehicle. Taxes are assessed based on your local property tax rates and we as the Lessor are responsible for paying that tax.

Property Tax

If I have paid my account in full, when will I receive a refund for any estimated property tax?

Please be patient. There might be a delay.

As soon as we can confirm that all property taxes have been paid, any excess estimated property tax that you may have paid will be refunded to you. Because of the delay in receiving property tax statements from various taxing authorities, confirmation of payment may take several weeks or months.

Property Tax

Why do I have to pay sales tax on my property tax?

It depends on your state.

Many states require the collection of sales tax on property tax when the property tax is paid by us as the Lessor (us) and billed to you, the Lessee. Check your state laws about property taxes on leased vehicles.

Payoff

How should I make out my lease payoff check and where should I send it? What documents are due at the end of my lease?

Everything you need to pay off your vehicle is on the back of your statement.

When you request your payoff quote online, you will download a document that will explain how to payoff your leased vehicle. You can even read the back of your monthly invoice for details. 

Note: The procedures differ depending on whether you are turning in your vehicle or purchasing it.

Payoff

Can my leased vehicle be purchased by someone else?

Yes, you can sell your leased vehicle.

Yes. Please contact our Customer Care team for more information at 1-866-499-6793.

Payoff

How do I obtain a payoff on my account?

It's easy. Request a payoff quote.

You are able to request a payoff quote via our website. Please log in to your account to Request a Payoff Quote.

You will be provided with a payoff quote and instructions on where to mail your payoff amount.

You may also call our automated Voice Response line. Please have your complete account number available. You will be provided with the payoff amount and will also be given the option to have it faxed to you.

Instructions on where to mail your payoff will also be provided. Refer to the Contact Us section above for our toll free phone number and mailing address.

Also, your monthly statement or invoice includes your payoff amount and payment instructions. Please read the front and back of your statement or invoice to get complete information. Please refer to your Retail Installment Contract or Lease Agreement for further information on the calculation of your payoff amount.

Payoff

Where should I mail my retail installment contract payoff check?

Payoff funds can be mailed to:

Standard Delivery
Volvo Car Financial Services U.S., LLC
Lockbox #9477
PO Box 8500
Philadelphia, PA 19178-9477

Overnight Delivery

Volvo Car Financial Services U.S., LLC
C/O Wells Fargo Bank MAC Y1372-045
Lockbox #9477
401 Market Street
Philadelphia, PA 19106

note: Please be sure to write your account number on the check or money order. 

For faster processing time, we recommend that payments be made by certified funds such as cashier's check or money order.

Payoff

When is my final lease payment due?

Check you lease agreement.

Your lease agreement discloses the number and amount of your lease payments. Your lease terminates one month after your last monthly payment is due. For example, if your last monthly payment is due January 15th, your lease termination date would be on February 15th.
 
Log in for details on your account.

Payoff

How long will it take to receive my title after my account is paid off?

Once we receive all the paperwork, it should be in about 15 days.

All required documentation must be received with your payoff check to avoid delays. Generally, titles on vehicles with payoffs made by certified check, cashier's check, official bank check, or from dealers are mailed within a few days after receipt. If your payoff was remitted by personal check, your title will be mailed approximately 14 business days after the account closes to allow time for the funds to clear the bank. This may vary in some states.

If you live in a state that issues electronic titles (AZ, FL, GA, NE, PA or SC), or if you live in a state where you hold the title, you will not receive a paper title. Instead, you will receive either a Release of Lien or a letter stating the lien has been paid in full. Please contact the Department of Motor Vehicles in your state for answers to any title questions you may have.

Payoff

Is my security deposit deducted from the payoff amount of my leased vehicle? If not, when will I receive it?

Security Deposits are typically mailed to you.

Payoffs are usually quoted without deducting your security deposit. Your security deposit will be returned to you after we have received your payoff check and processing has been completed, which could take up to 14 business days.

If a dealer is paying off your account as part of the purchase or lease of another vehicle, this process can vary. For additional detail, you can contact us at 1-866-499-6793.

Insurance

What insurance coverage amounts are required for my vehicle if it was financed with a retail installment contract?

Your retail agreement requires the following:

You are required to have physical damage coverage. Refer to your contract for more information.

Insurance

On the insurance for my financed or leased vehicle, why do you need to be listed as "Lienholder" or "Loss Payee"?

We have a vested interest in your vehicle.

As the lienholder, we have a security interest in your vehicle and on any insurance claims that may be paid during the term of your contract. If you leased your vehicle, a leasing company is the owner of a leased vehicle, and is listed as the Loss Payee on your policy. This is to ensure the proceeds from insurance settlements are used to repair damages to the vehicle.

Insurance

What if my vehicle is damaged in an accident?

Contact us as soon as you can.

Please contact us by phone as soon as you have made your insurance claim. Refer to the Contact Us section for our toll free phone number. 
 
Please have your claim number and other insurance information handy.

Insurance

On my lease insurance, why do you need to be listed as "Additional Insured"?

It protects our interest in your vehicle.

The "Additional Insured" clause affords the leasing company protection under the liability section of the insurance policy.

Insurance

I have completed repairs on my damaged vehicle. Do I need to send you proof of the repairs and how do I get my insurance check endorsed?

Contact us to submit your proof.

Please contact us by phone for instructions on how to submit proof of your completed repairs. In most cases, we must endorse any insurance checks to pay for the repairs.

Please refer to the Contact Us section for our toll free phone number.

Insurance

What name and address should I give my insurance company for the "Loss Payee" and "Additional Insured" for my leased vehicle?

Please use VCFS Auto Leasing Company.

The Loss Payee and Additional Insured sections of your insurance policy should read:

“VCFS Auto Leasing Company”

The mailing address for all policies is:

Insurance Tracking
PO Box 390509 
Minneapolis, MN 55439-0903

Insurance

What insurance coverage amounts are required for my leased vehicle?

Your lease agreement requires the following limits:

Use these amounts to set your insurance limits:

Liability - $100,000

Bodily Injury - $300,000

Per Incident Property Damage - $50,000

 
Or

 
Combined single limit of $500,000 for Bodily Injury and Property Damage for any one accident.
 
Comprehensive and Collision - maximum of $1,000 deductible each
 
Please refer to your Lease Agreement for further information on your insurance requirements.
Registration and Law Enforcement

I received a parking ticket and paid for it. Now I received a bill from your company. How do I get my money refunded?

Don't worry. We'll take care of it.

Please send or fax a copy of the front and back of your cancelled check to our office. We will apply for a refund and credit the refund to your account.

Refer to the Contact Us section in the navigation above for our mailing address or fax number.

Registration and Law Enforcement

I have not received my registration or decal. What should I do?

Contact your DMV.

Most states send these documents directly to your address

Please contact your Department of Motor Vehicles office or local tag agency to verify their policy.

If the decal was sent to us, we forward it to you.

  • General inquiries (do not mail checks or payments, for general correspondence only):

    1-866-499-6793
    Volvo Financial Services
    PO Box 91300
    Mobile, AL 36691-1300
    Fax: (314) 702-4499

  • Mail Payments:

    If financing (retail account)
    Volvo Car Financial Services 
    PO Box 70899
    Charlotte, NC 28272-0899
    1-866-499-6793

    If leasing (lease account)
    Volvo Car Financial Services 
    PO Box 71102
    Charlotte, NC 28272-1102
    1-866-499-6793
  • Title & Registration:

    If financing (retail account)
    Volvo Car Financial Services 
    PO Box 91300
    Mobile, AL 36691-1300
    1-866-499-6793

    If leasing (lease account)
    VCFS Auto Leasing Company
    PO Box 91300
    Mobile, AL 36691-1300
    1-866-499-6793


Lienholder and Contractual Entity Information: 
If financing (retail account), Volvo Car Financial Services, U.S., LLC. If leasing (lease account), VCFS Lien Company, LLC.