Exeter Finance is an auto finance company based in Irving, Texas. It was founded in 2006. Exeter does not lend money directly at a branch. Instead, it works with car dealers across the country. When you finance a car through a dealer and your loan gets sent to Exeter, Exeter becomes your loan servicer. That means you send your monthly payments to Exeter and contact Exeter with account questions.
Exeter mostly serves borrowers who have trouble qualifying with bigger banks. This is called subprime or non-prime auto lending.
Exeter is registered with the Nationwide Multistate Licensing System (NMLS). You can check its license status for free at nmlsconsumeraccess.org.
Exeter Finance Login: How MyAccount Works
Exeter’s online account portal is called MyAccount. Go to myaccount.exeterfinance.com to log in or sign up.
New account setup is free. Once you log in, you can:
- Make payments
- Turn on AutoPay
- Send a secure message to Customer Service
- Check your balance and payment history
Forgot your login? On the MyAccount page, click “Forgot User ID” or “Forgot Password.” Enter your email. Exeter will send your User ID or a temporary password.
Locked out, or having trouble with two-factor login? Call (800) 321-9637.
A note on apps: we could not confirm an official Exeter Finance app through Exeter’s own site. Some third-party sites list app ratings that look made up. Stick to the MyAccount website. It works fine on a phone browser. If you see an “Exeter Finance” app in an app store, check that it’s published by Exeter Finance LLC before you download it.
How to Make an Exeter Finance Payment
You can pay Exeter these ways:
- Online: Log into MyAccount, or use QuickPay if you don’t want to make an account.
- Phone: Call (800) 321-9637 and use the automated system, or talk to a person.
- Mail: Exeter Finance, P.O. Box 650598, Dallas, TX 75265-0598. Check the coupon on your statement first. Your account may use a different address.
- MoneyGram: Find a location or call (800) 555-3133. Exeter’s Receive Code is 1214. Fees may apply.
- Western Union: Also accepted. Fees may apply.
- AutoPay: Free automatic payments from your bank account. Set it up in MyAccount.
Payments show up in your Exeter account right away. Your bank may take up to 48 hours to actually pull the money. Don’t worry if it looks “pending” for a day or two.
Exeter Finance Customer Service & Phone Number
Main phone line: (800) 321-9637
Hours:
- Monday–Friday: 8 a.m.–7 p.m. CT
- Saturday: 8 a.m.–5 p.m. CT
- Closed Sunday
Other contact points:
- General feedback: (855) 717-1250
- Suspected fraud or fake emails: report it through the fraud link on exeterfinance.com/support
- Dealer support: 1-855-4EXETER
Exeter does not offer live chat outside of MyAccount. If you need to talk to a person fast, call the main number.
Exeter Finance Address
Exeter uses different addresses for different things. Sending mail to the wrong one can slow things down.
- Documents (ID checks, name changes): Exeter Finance, Attn: Customer Service, 2250 W. John Carpenter Freeway, Irving, TX 75063
- Payments by mail: Exeter Finance, P.O. Box 650598, Dallas, TX 75265-0598
Addresses can change or vary by account. Check the address on your latest statement, or call (800) 321-9637, before you mail anything important.
Exeter Finance Payoff Information
Don’t use your last statement to guess your payoff amount. Interest builds up every day. The real payoff number is higher than your remaining balance, and it changes daily.
Here’s how to do it right:
- Request an official payoff quote in MyAccount or by calling (800) 321-9637.
- Use the mailing address printed on that payoff letter. Payoff addresses can differ from regular payment addresses, and they can change.
- If a dealer is paying off the loan for you, Exeter’s dealer support line can confirm the current process.
Exeter Finance Lienholder Information
If you need to add Exeter to your car insurance policy as the lienholder or loss payee, use this:
- Insurance department: Exeter Finance, Attn: Insurance Dept., P.O. Box 369, Carmel, IN 46082
- Phone: (800) 243-0705
- Fax: (800) 422-9765
Before you call about a claim, have ready: your insurance estimate, the adjuster’s name and phone number, and the date of the accident. This speeds things up.
Exeter Finance Careers
Exeter’s main office is in Irving, Texas, with about 1,000 employees. Job types include:
- Dealer sales manager roles, often based in specific cities
- Servicing center roles, like credit analyst and collections specialist
- Corporate roles in technology, risk, and operations
Apply through Exeter’s official careers page when you can. Job boards sometimes carry old or fake listings. This is a known problem in auto finance.
Exeter Finance Reviews: What Should Borrowers Check?
Review scores change often. Don’t trust a single number from any one site, including this one. Here’s what we can say with confidence:
- Exeter has a long history of BBB complaints. Most are about billing, collections, or slow customer service.
- Trustpilot reviews are mixed. Some praise fast approval and helpful support. Others complain about the call center or credit report disputes.
- Subprime auto lenders as a group tend to get more complaints than banks that lend to borrowers with strong credit. That’s part of the business, not automatically a red flag.
Before you decide anything, check Exeter’s current BBB profile and the CFPB Consumer Complaint Database yourself. Both are free and stay current.
Common Questions About Exeter Finance
Is Exeter Finance a real, licensed company?
Yes. It’s registered with the NMLS and has serviced auto loans since 2006 through dealer networks across the U.S.
Is this the same company as the UK Exeter Finance?
No. Exeter Finance LLC (U.S., car loans) and Exeter Finance Ltd (UK, property loans) are two different companies that share a name.
What is Exeter Finance’s phone number?
(800) 321-9637. Monday–Friday 8 a.m.–7 p.m. CT, Saturday 8 a.m.–5 p.m. CT.
How do I log into my Exeter Finance account?
Go to myaccount.exeterfinance.com and register if you don’t have a login yet.
Does Exeter Finance have a mobile app?
We couldn’t confirm one through Exeter’s official site. Use the MyAccount website on your phone instead.
How do I pay off my loan early?
Request an official payoff quote through MyAccount or by phone. Don’t calculate it yourself. Daily interest changes the total.
Official Exeter Finance Resources
- MyAccount login: myaccount.exeterfinance.com
- Customer support: exeterfinance.com/customer-support
- FAQs: exeterfinance.com/faqs
- Payment options: exeterfinance.com/make-a-payment
- License check: nmlsconsumeraccess.org
- BBB business search: bbb.org
- CFPB complaint database: consumerfinance.gov/complaint
