Auto Motion Plus is a service that helps people manage vehicle payments and related financial obligations
Auto Motion Plus is a third-party payment and account management platform used by some auto lenders and dealerships to handle loan payments, account information, and customer communications. It is not a lender itself — it is a system that sits between you and the company that actually loaned you money for your vehicle. When your auto loan is serviced through Auto Motion Plus, you make payments to them, check your balance through their portal or app, and receive statements from them, even though the original lender may be someone else.
The service exists because many lenders outsource payment processing and customer service to specialized companies. This is common in auto lending and does not change the terms of your loan or your rights as a borrower — it only changes where you send money and who you contact with questions.
Key Takeaways
- Auto Motion Plus is a payment processor and account manager for auto loans, not a lender, and handles payments and customer service on behalf of the actual lender.
- You can make payments, view your loan balance, and update account information through the Auto Motion Plus website or mobile app.
- Your loan terms, interest rate, and payment amount do not change when your loan is serviced through Auto Motion Plus — only where you send the payment changes.
- If you have questions about your loan itself, such as payoff amount or modification options, you may need to contact the original lender, not Auto Motion Plus.
How to make a payment through Auto Motion Plus
To make a payment, you will need to log into your Auto Motion Plus account on their website or through their mobile app. If you do not have an account yet, you can create one by providing your loan number and personal information. Once logged in, you can choose to pay by bank transfer (ACH), debit card, or credit card, depending on what the platform offers.
Payments made online typically post within one to two business days. If you need to make a payment when ready or prefer not to use the online system, you can also mail a check to the address listed on your statement. Always include your loan number on any payment you send by mail so it is applied to the correct account.
Accessing your account information and statements
Your Auto Motion Plus account shows your current loan balance, payment history, next payment due date, and the payoff amount if you want to pay off the loan early. You can read statements and view payment records through the portal, which is useful if you need documentation for taxes, refinancing, or other purposes.
If you notice an error on your statement or have questions about a specific charge, you can contact Auto Motion Plus customer service through the phone number on your statement or through a message feature in the app. Keep in mind that Auto Motion Plus handles payment processing and account management, but the original lender still owns the loan and sets the terms.
What to do if you are having trouble making a payment
If you cannot make your payment on time, contact Auto Motion Plus as soon as possible — do not wait until after the payment is late. Explain your situation and ask what options may be available. Some lenders offer temporary payment reductions, payment deferrals (pushing a payment to the end of the loan), or other arrangements, though these depend on your lender's policies, not on Auto Motion Plus itself.
A late payment will typically be reported to credit bureaus and may affect your credit score. The longer a payment remains unpaid, the more serious the consequences become. Reaching out early gives you the best chance of working something out before the account is reported as delinquent.
The difference between Auto Motion Plus and your actual lender
Auto Motion Plus handles the day-to-day work of collecting payments and managing your account, but it does not make decisions about your loan. If you want to refinance, modify your loan terms, or discuss options like early payoff, you may need to contact the original lender directly. Your Auto Motion Plus statement should list the lender's name and contact information.
This separation can sometimes be confusing because you send payments to Auto Motion Plus but the loan itself belongs to another company. If you call Auto Motion Plus with a question they cannot answer, they should be able to direct you to the right department at the lender or provide you with contact information.
Protecting your account and personal information
When you create an account with Auto Motion Plus, use a strong, unique password that you do not use on other websites. Enable two-factor authentication if the platform offers it — this adds an extra security step when you log in. Never share your login information with anyone, and be cautious of emails or texts claiming to be from Auto Motion Plus that ask you to verify your information or click a link.
If you receive a suspicious message claiming to be from Auto Motion Plus, go directly to the website or call the customer service number on your statement rather than clicking any links in the message. Scammers sometimes impersonate payment platforms to steal login credentials or personal information.
Frequently Asked Questions
What if I do not have an account with Auto Motion Plus yet?
You can create one on their website using your loan number and personal information. If you have trouble setting up an account, call the customer service number on your loan statement and they can walk you through it or create the account for you.
Can I pay my Auto Motion Plus loan with a credit card?
Some Auto Motion Plus accounts allow credit card payments, but not all. Check your account settings or call customer service to see what payment methods are available for your specific loan. Be aware that credit card companies may charge a cash advance fee if they treat the payment that way.
What happens if my loan is sold to a different lender?
If your loan is sold, you may be notified that a new company now owns it. You might continue using Auto Motion Plus to make payments, or you might be moved to a different payment platform. The lender will notify you of any changes and provide new instructions.
Can Auto Motion Plus lower my interest rate or change my loan terms?
No. Auto Motion Plus only processes payments and manages your account. Decisions about interest rates, loan terms, and modifications come from the lender. If you want to discuss changing your loan, contact the lender directly using the information on your statement.
Is Auto Motion Plus the same as my bank or credit union?
No. Auto Motion Plus is a third-party service that handles payments for many different lenders. Your actual lender is the bank, credit union, or finance company whose name appears on your loan documents and statement.