Loan Customers Frequently Asked Questions

Your payment due date was established when you originated your loan. It is stated in your contract. Some borrowers have due dates other than the first of the month, so it is a good idea to look at your note to see which day your payment is due.

A change in the due date can only be done once in the life of the loan. The first step is to complete and submit a written form to:
Attn: Customer Service
First National Acceptance Company
PO Box 980
East Lansing, MI 48826
The loan must be current before any changes can be made. There is a one-time charge collected before changing your due date for the interest between your old due date and your new due date. CLICK HERE to Email a request to change your due date. Please be sure to include your account number.

Any address changes must be made in writing. An address change cannot be made over the telephone for security purposes. To change your address either submit a written request with the new address with your next payment or mark on the left corner of the invoice return envelope marked: “Please note address change”. CLICK HERE to print a copy of a “change of address request form” or CLICK HERE to email your request. Please be sure to include your: 1. Account number 2. Old Address 3. New Address

By mail your payment can be sent to:
Attn: Payment Processing
First National Acceptance Company
PO Box 980
East Lansing, MI 48826
(Please include your account number.)

Overnight/express mail can be sent to:
Attn: Payment Processing
First National Acceptance Company
241 East Saginaw
East Lansing, MI 48823
(Please include your account number.)
Western Union Quick Collect at any Western Union service provider.

Pay by phone:
Call our customer service department at (800)266-7661
You will need a blank check, and the bank routing numbers on the bottom edge of the check.
There is a $5.00 fee for pay by phone

At our bank branch:
Local customers can make payments at our branch located at
241 East Saginaw Street
East Lansing, MI

Automatic Payment:
Automatic payment can be set up using our Auto Pay service. You will need to complete an Auto-Pay enrollment form, available by calling customer service at (800)266-7661 ext. 8904, or CLICK HERE for an AutoPay form that you can print and mail.

First National does accept payment via check over the phone. The fee for this service is $5.00 and the fee will be added to the total taken from your checking or savings account. If you are not the signer on the checking account, we will not accept the phone pay without written consent from the signatory. To pay by phone you must provide the account number and routing number for your bank account when calling. When you have the required account information just call (800)266-7661, Ext. 8904 to make a payment.

Yes, we have an agreement with Western Union to accept customer payments from their credit cards. Quick Collect by Credit Card allows consumers to settle their accounts using their Visa, MasterCard, or Discover Card.

You may send your payment to:
Attn: Payment Processing
First National Acceptance Company
P.O. Box 980
East Lansing, MI 48826
(Please include your account number on the bottom of your check.)

First National provides a monthly invoice for your convenience. However, it is your responsibility to make every payment on time whether or not you receive an invoice. If you need to make other payment arrangements, you may call our credit service department at:
(800)642-4578 between the hours of:
8AM and 9PM Eastern Time on Monday
9AM-9PM Tues, Wed. & Thurs.
8AM-6PM on Friday
and 9AM-1PM on Saturday.

Just call: (800)266-7661, ext. 8904 and we will give you the proper instructions.

If you elect to have your payments automatically deducted from a bank account, you must complete an “Auto-Pay” form. You may call customer service at: (800)266-7661 ext. 8904 to receive the form or CLICK HERE for a form that you can print and mail.

(Dept. or Contact Name) First National Acceptance Company
241 East Saginaw Street
East Lansing, MI 48823

Generally it is not our policy to accept partial payments without prior arrangements. Rather than making a partial payment, please call (800)642-4578 to speak to a customer counselor. We may have a program available to you that will permit a period of delay or forbearance.

Although payments are considered past due if not received by the due date, most notes provide a period of time after the due date for payments to be received before a late charge is assessed. Grace periods and late fees can only be charged according to the terms of the note. To avoid the risk of damage to your credit or the assessment of a late charge, it is recommended that every effort be made to ensure your payment is received by the due date.

It is a good idea to allow seven to ten days for receipt of payment, particularly during holidays when mail volumes are heavy. If you don’t feel your payment will reach our office in time, please call (800)642-4578 to ask about other more immediate payment options.