Frequently Asked Questions

Can I use a credit card to make my payment?

No. Merchant services does not allow for automobile loan payments to be made by credit cards.

How much is the convenience fee when I make a payment using a debit card?

We accept debit card payments online 24/7 and by phone during normal business hours. All debit card payments are subject to convenience fee. The convenience fee will be the greater of $5.95 or 1.25% of the total transaction.

How do I make a payment on my account and set up Automatic Payments?

Once gaining access to the portal choose the loan you would like to Manage, then choose the Payment Profiles tab. From this tab you will be able to enter your debit card information which will be stored for future use, then choose Schedule Automatic Payments. Each automatic payment will be subject to convenience fee. Mail your payments or set up automatic bill pay through your banking institution to avoid convenience fees.

What if I want to make a one-time payment and don't want to store my card information?

From the Payments tab choose Debit Payment to make a payment without storing your card information.

What is my payoff and how do I get my title? Is there a penalty if I pay my loan off early?

You can obtain today's payoff from within the portal. For a 10 Day Payoff, please contact us at Once your loan has been satisfied, you will receive your title (if a NJ title) in the mail within 7-10 business days at the address on file. There is no penalty for paying your loan off early.

When do I have to pay the $10 late fee?

Your payment must post to your account on or before the 10th day of your grace period. Please allow time for the delivery of your payment by mail. NOTE: PAYMENTS ARE APPLIED TO YOUR ACCOUNT IN THE FOLLOWING ORDER: DUE FEES, DUE INTEREST, DUE PRINCIPAL. If your payment is late, or your account has assessed other fees please include due fees with your regular payment.

What is the maximum deductible amount allowed for Comprehensive and Collision Coverage insurance coverage on the vehicle?

As stated at the time of purchase you must have full Comprehensive and Collision coverage on the vehicle with Tri-State Credit listed as lienholder with deductibles of $1,000 or less at all times. All drivers of the vehicle must be listed as authorized drivers on the policy. You must notify us immediately if and when you switch carriers. You can update your information within the portal, fax us at 856-839-4206 or email us at

My finance agreement states: To secure what I owe you under this Agreement, I give you what is known as a security interest in the Collateral. What does that mean?

The vehicle you purchased is the collateral for the amount of money you borrowed, which your monthly payments are applied to including interest. Tri-State Credit holds the title for the collateral (vehicle) until you have satisfied the balance of your loan. Once you have paid the balance of the amount you owe, the title for the vehicle (State of New Jersey) and a copy of your satisfied Retail Installment Sale Agreement for the collateral will be forwarded to you.

I looked up my credit report and my loan with Tri-State Credit was not listed, why?

Tri-State Credit reports to Experian Credit Bureau monthly. Please include Experian when requesting your credit.

I financed $5,000 and I made 20 payments of $250.00. Why do I still owe money?

The amount you financed is subject to interest. Refer to your Retail Installment Agreement where you will see the Annual Percentage Rate assessed to your loan along with the total Finance Charge which is the dollar amount the credit will cost you over the term of your loan.

What if I need a copy of a lien release letter?

A $15.95 documentation fee will apply for any duplicate notarized document.

What is a co-signer?

A co-signer is a person that agrees to join the primary borrower in being responsible for the payment and loan obligation. All co-signers are fully responsible for payment just as the borrower is. At the time of applying for your loan, you may benefit from using a co-signer if that co-signer strengthens the credit worthiness or ability to repay the loan.