Ford Credit FAQ

Top 5 Most Frequently Asked Questions

Below are answers to some of the most frequently asked questions about Ford Credit. Simply choose a category from below or scroll down the page to find what you are looking for.

If you have further questions about Ford Credit Services or the Auto Debit Plan, please click here to view the full complement of Ford Credit FAQs.

FAQ Categories

Managing Your Account

  1. QUESTION: How do I get started accessing my account information online with Ford Credit's Account Access?
    ANSWER: If you have not yet registered, go to Account Access and click on 'New User? Enroll Here'. You will then be asked to enter:
    • - The last four digits of your Social Security Number or Business Tax ID
    • - Your Last Name or Business Name without spaces or punctuation marks
    • - The last eight digits of your account number
    • - Your ZIP Code for receipt of your billing statement
    • - Your full email address
    • - Create a User Name of at least six but not more than 20 characters and may not be all numbers
    • - Create a password of at least six but not more than 10 characters and may not be all numbers or all letters
    • - Re-enter your newly created password

    If you have previously accessed your account online and forgotten your User Name or Password click on Forgot Username/Password link. You will be then asked to enter:

    • - The last four digits of your Social Security Number
    • - Your Last Name or Business Name without spaces or punctuation marks
    • - The last eight digits of your account number
    • - Your ZIP Code for receipt of your billing statement
    • - Your full email address
    • - Create a User Name of at least six but not more than 20 characters and may not be all numbers
    • - Create a password of at least six but not more than 10 characters and may not be all numbers or all letters
    • - Re-enter your newly created password

    Once this process is completed, your account information will be displayed. If you are unsure if the account was previously registered, please follow the 'Forgot Username/Password' process outlined above.

  2. QUESTION: What if I get an error that either User name or Password is invalid?
    ANSWER: Please re-enter your information. If, after repeated attempts, you are still unable to login, click on the Forgot Username/Password link. Please note, you will need your account number to re-register.
  3. QUESTION: Where can I find my account number?
    ANSWER: Your account number can be found on your monthly invoice, and informational mailings issued by Ford Credit. If you do not have access to the aforementioned documents, you may request your Ford Credit account number by contacting our Customer Service Center.
  4. QUESTION: How often can I request an Account Statement (summary of the account history) online?
    ANSWER: Ford Credit allows you to order one Account Statement every 30 days online using Account Access. If you require more than one Account Statement in a 30 day period, contact the Ford Credit Customer Service Center. Account Statement orders are processed each weeknight. Your statement will be mailed the following business day. The statement will be mailed directly to the address listed on your account.

    Exception: Lease customers in Connecticut cannot order online and must contact the Customer Service Center to request an Account Statement.

  5. QUESTION: When will I receive my billing statement?
    ANSWER: Your monthly invoice is mailed or available online if enrolled in E-Bill approximately 20 days before your next payment due date.

    * Note: If you are currently enrolled in E-Bill, duplicate invoices cannot be requested. All information is available to you online.

  6. QUESTION: If I have questions regarding my invoice, whom should I contact?
    ANSWER: You can view the account information within Account Access. If your problem is not resolved, contact the Ford Credit Customer Service Center.
  7. QUESTION: How do I obtain a duplicate invoice?
    ANSWER: You are welcome to request a duplicate invoice within Account Access.
  8. QUESTION: I am enrolled in the Auto Debit, do I receive a monthly invoice?
    ANSWER: No. If you are enrolled in the Ford Credit Auto Debit program, you will not receive a monthly invoice unless your payment amount changes. Payments are automatically debited from your checking or savings account. You can view payment history (or activity) through Account Access.
  9. QUESTION: How often can I change my address, phone number or email address via the Internet?
    ANSWER: Ford Credit supports one online address change every 30 days within Account Access. If you need to change your address more than once in 30 days, call Ford Credit's Customer Service Center. Email address and phone number changes must be completed within Account Access and you are welcome to update each as frequently as needed. You may also update your personal information as often as needed (though these changes will not be reflected in your Ford Credit Account Information.)
  10. QUESTION: How do I change my name?
    ANSWER: To change your name from that listed on the original contract, please send a copy of the legal document stating the change (i.e. marriage certificate) to: Ford Credit PO Box 542000 Omaha, NE 68154.
  11. QUESTION: How do I change my due date?
    ANSWER: Customers must meet certain criteria to be eligible for a Due Date Change. Request more information from our Customer Service Center by calling 1-800-727-7000, Monday-Friday 7am-8pm CT, Saturday 7am-5pm CT.
  12. QUESTION: Can I still access my Ford Credit Account Access information through the Ford Credit website?
    ANSWER: To access your account information via the Ford Credit website instead of via the Owner website, click on Ford Credit Services in the left-hand navigation of your website. Then click on "Getting Started." Scroll to the bottom of the "Getting Started" page (look for the note that reads "If you would prefer to access your account information via the Ford Credit website, simply click here.") Then click the link to be taken to the Ford Credit site to access your account information.

    If you have further questions about Ford Credit Services, please click here to view the full complement of Ford Credit FAQs.

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Making Your Payment

  1. QUESTION: Where and how do I send my payment?
    ANSWER: You can find the address to mail in your payment via your Account Access Home page. The address to send in your payment will be listed on that page.

    Please visit Managing My Account for information about our many flexible payment options like E-bill and Phone Pay.

  2. QUESTION: What happens if I cannot pay for my vehicle and return it to Ford Credit?
    ANSWER: In the event the contract terms are not satisfied and the vehicle is returned to Ford Credit as voluntarily repossession, several actions occur. The vehicle is sold and sale proceeds are applied to the outstanding account balance. Ford Credit may report the repossession and any resulting deficiency to the appropriate credit bureaus. Since prospective creditors generally view a re-possession on your credit history negatively, we suggest you consider alternatives to the return of the vehicle. Ford Credit may be in a position to offer a one or two-month extension to ease a short-term financial burden for qualified accounts. An extension would add one or two payments to the end of the contract term. Another viable alternative may be a Transfer of Equity. A Transfer of Equity Agreement is used to add a third party to an existing contract. The interested party must complete and submit a credit application to Ford Credit for consideration and when the completed application is received, Ford Credit will process it if the transferee's credit is acceptable, which may release the original party from the obligation. If you need assistance in making a decision, please contact the Ford Credit Customer Service Center.
  3. QUESTION: Does Ford Credit offer payment deferrals?
    ANSWER: Yes, customers must meet certain criteria to be eligible for a Payment Deferral. Request more information from our Customer Service Center by calling 1-800-727-7000, Monday-Friday 7am-8pm CT, Saturday 7am-5pm CT.

    If you have further questions about Ford Credit Services, please click here to view the full complement of Ford Credit FAQs.

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E-Bill

  1. QUESTION: Can I get my statement online and in the mail each month once enrolled?
    ANSWER: This option is not currently available. Once enrolled in E-Bill, statements are no longer generated by mail. However, a printable version of your online statement is available. While viewing your billing statement online, simply select the "PDF" option and an Adobe PDF version will display. As an additional feature, download important financial data from your online statements to your computer by selecting the "CSV" option provided.
  2. QUESTION: Can I schedule an E-Bill payment before I have an electronic invoice available?
    ANSWER: A payment can be scheduled immediately after enrolling in E-Bill using the "Pay Without Statement" menu option. The payment amount will not be pre-populated in the required field and you will not have access to your current month's invoice online. An email notification will be sent approximately 20 days before your next due date stating your first statement is now available for viewing and paying online.

    Please note: While an account is actively enrolled in E-Bill, a paper statement will NOT be mailed.

  3. QUESTION: Can I cancel an E-Bill payment?
    ANSWER: Generally, all E-Bill payments must be cancelled two business days prior to the Payment Date. To cancel a scheduled E-Bill payment, please complete the following steps:
    1. Log into "Account Access"
    2. Select "E-Bill" and "View E-Bill Inbox" from the "Payment Options" drop-down menu provided on screen
    3. Select "E-Bill Payment History"
    4. Select "Reference ID" for the payment scheduled.
    5. A screen titled "Payment Details" is displayed. Note the "Cancel Payment" button at bottom of page (If the "Cancel Payment" button is not displayed, the payment cannot be cancelled. Please contact your Financial Institution to determine if a stop payment or unauthorized debit may be issued.)
    6. If you wish to cancel this payment, you must select the "Cancel Payment" button.
    7. A confirmation page is displayed. Select "Submit" once you've confirmed the payment information
    8. A screen titled "Payment Cancelled" is displayed, indicating the payment was successfully cancelled.
  4. QUESTION: How can I tell if an E-Bill payment is scheduled?
    ANSWER: In order to determine if an E-Bill payment is scheduled, please complete the following steps:
    1. Log into "Account Access"
    2. Select "E-Bill" and "View E-Bill Inbox" from the "Payment Options" drop-down menu provided on screen
    3. Select "E-Bill Payment History"
    4. A history of E-Bill payments scheduled within the last 13 months is listed on this screen
    5. Look for payments assigned a status of "scheduled". This indicates the payment is pending and not yet issued for processing. Only payments with the status "scheduled" may be cancelled.
    6. Select the reference ID of the payment scheduled to view additional payment details.
  5. QUESTION: How long does it take to process my E-Bill payment and when will my E-Bill payment post?
    ANSWER: The E-Bill system does not allow payments to be scheduled and posted the same day. Please be advised, E-Bill payments will post to your vehicle account within 2 business days of the Payment Scheduled Date. You can always log into Account Access and click on 'Payment History' to confirm your payment has been processed.
  6. QUESTION: How do I schedule an E-Bill payment?
    ANSWER: Please complete the following steps:
    1. Log into Account Access.
    2. Click the "E-Bill" button and "View E-Bill Inbox" from the "Payment Options" drop-down menu provided on screen
    3. From the "Inbox" presented, take one of the following actions:
      - If an online statement is not yet available in E-Bill (following new registration) choose the "Pay Without Statement" link in E-Bill.
      - If an online statement is available in E-Bill, select "View and Pay Statements" or "Pay" reference on page.
    4. Follow directions on page to complete payment scheduling
    5. A payment confirmation screen is displayed. Please print a copy of this document for your records.

    If you have further questions about Ford Credit Services or E-Bill, please click here to view the full complement of Ford Credit FAQs.

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Auto Debit

  1. QUESTION: What is Auto Debit?
    ANSWER: Auto Debit is a free service available from Ford Credit. It permits your scheduled payment amount to be paid automatically -- by electronic withdrawal from your bank/credit union checking or savings account -- and applied to your Ford Credit account on each due date. Please contact your bank/credit union for any bank/credit union charges.
  2. QUESTION: How can I enroll in Auto Debit?
    ANSWER: Choose one of the following three methods to enroll:
    - Enroll online within Ford Credit Account Access
    - Complete and mail the Auto Debit Enrollment Form
    - Contact Ford Credit's Customer Service to request an enrollment form
  3. QUESTION: Can I specify what date I want funds withdrawn?
    ANSWER: The automatic debits will occur on the payment due date, or the next available business day should the payment come due on a weekend or holiday. At the time of your next vehicle purchase, the salesperson can designate an Auto Debit payment date that is convenient for you. If you are enrolling your existing Ford Credit account in Auto Debit and wish to change the due date, please contact Ford Credit's Customer Service to request an extension agreement form.
  4. QUESTION: Can I enroll in the Auto Debit online?
    ANSWER: Yes, within Account Access. The enrollment must be completed at least four (4) days before your due date.
  5. QUESTION: How long does it take for automatic withdrawal to start?
    ANSWER: Typically, the enrollment will become active on the scheduled due date following the initial request, provided the enrollment request is received no later than 5 business days before the due date. When enrolling online, the confirmation displayed will advise you of the effective date. If you wish to submit the enrollment form by mail, please allow approximately two (2) weeks for completion. We will notify you by mail of the date the automatic deductions will begin. Until then, please continue to make your regularly scheduled payments.

    If you have further questions about Ford Credit Services or the Auto Debit Plan, please click here to view the full complement of Ford Credit FAQs.

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Need more help?

If the answers you need aren't covered on this FAQs page, you can send an email to Ford Credit.

A Customer Service Representative will contact you by the end of the next business day (Monday - Saturday).