Bank of America Car Loan Phone Numbers
Bank of America has separate phone lines for different car loan needs. The main number for existing car loan customers is 1-800-333-6262. If you are calling about a loan you already have with them, this is your starting point. The line is open Monday through Friday, 8 a.m. to 8 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time.
If you are interested in getting a new car loan from Bank of America and do not yet have one, you can reach their auto lending department at 1-800-731-2424. This number connects you to loan officers who can discuss rates, terms, and whether you meet their lending requirements. Hours are generally Monday through Friday, 8 a.m. to 8 p.m. Eastern time.
Bank of America also offers a customer service line at 1-800-432-1000 for general banking questions. If you are unsure which department handles your specific issue, this number can route you to the right team.
Key Takeaways
- Call 1-800-333-6262 if you already have a Bank of America car loan and need to make a payment, ask about your balance, or discuss your account.
- Call 1-800-731-2424 if you want to inquire about getting a new car loan from Bank of America.
- Bank of America's phone lines operate Monday through Friday 8 a.m. to 8 p.m. Eastern time, with limited Saturday hours.
- Have your loan number or the phone number associated with your account ready when you call to speed up the process.
- You can also manage your car loan online through your Bank of America account if you need to check your balance or make a payment outside business hours.
What Information to Have Ready Before You Call
When you call Bank of America about your car loan, having certain information on hand will make the conversation faster. If you are calling about an existing loan, locate your loan number. You can find this on your monthly statement, in your online banking account, or on any correspondence from the bank about your loan.
You will also want to have the phone number or email address associated with your account. Bank of America uses this to verify your identity before discussing account details. If you are calling from a different phone than the one on file, let the representative know.
If your question involves a specific transaction or payment, have the date and amount ready. If you are calling about a problem with a payment, have your cancelled check, bank transfer confirmation, or credit card statement showing the payment you made.
What You Can Handle Online Instead of Calling
Bank of America allows you to manage many car loan tasks through your online account without waiting on hold. You can log into your account at bankofamerica.com, navigate to your loan, and view your current balance, payment history, and due dates. You can also set up automatic payments so you do not have to call or log in each month.
If you need to make a one-time payment, you can do that online as well. The payment will typically post within one to two business days. For questions about refinancing your existing loan or modifying your payment plan, you will need to call, as those conversations require a representative to discuss your options.
When You Might Reach a Wait or Automated System
During peak hours — typically mid-morning and early afternoon on weekdays — you may experience a wait before speaking to a representative. If you call early in the morning when the line opens or later in the afternoon, you often reach someone faster.
Bank of America uses an automated system to route your call. When you call, you will hear a menu asking what you need. Be specific in your response so the system routes you to the right department. If you say "car loan," you will reach auto lending. If you say "existing account," you will reach customer service for current borrowers.
If the automated system does not understand your request, you can usually press 0 or say "representative" to speak to someone directly, though this may add time to your wait.
Contacting Bank of America by Mail or Online Chat
If you prefer not to call, Bank of America offers other ways to reach them. You can send a letter to Bank of America, P.O. Box 15298, Wilmington, DE 19850-5298. Include your loan number, the issue you are writing about, and your contact information. Mail typically takes one to two weeks to reach the bank and another week or two for a response.
Bank of America also offers online chat through their website during business hours. Log into your account at bankofamerica.com, look for the chat option, and you can message a representative without calling. Chat is often faster than phone lines during busy times, though it may take a few minutes for someone to respond.
For urgent issues — such as a payment problem that could affect your credit — calling is faster than mail or chat. For routine questions or requests that are not time-sensitive, online chat or mail work well.
If You Cannot Reach Bank of America or Have a Complaint
If you call multiple times and cannot reach a representative, or if you believe Bank of America has handled your loan incorrectly, you have options. First, try calling at different times of day or on different days. Some issues may be resolved faster through online chat or by visiting a local Bank of America branch in person.
If you have a formal complaint about how Bank of America handled your loan, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. The CFPB investigates complaints about banks and lenders and can require them to respond. You can also contact your state's banking regulator or attorney general's office.
Keep records of every call you make — the date, time, who you spoke to, and what was discussed. If you reach an agreement with a representative, ask them to send you a written confirmation by email or mail. This protects you if there is a dispute later about what was promised.
Frequently Asked Questions
Can I make a car loan payment over the phone?
Yes. When you call 1-800-333-6262, you can tell the representative you want to make a payment. They will ask for your account number and the amount you want to pay. You can pay by bank transfer or debit card. The payment will post within one to two business days. Online payment is usually faster if you are not in a rush.
What if I want to pay off my car loan early?
Call 1-800-333-6262 and ask to speak to someone about paying off your loan in full. They will give you the exact payoff amount, which includes any remaining interest. Some loans have prepayment penalties, though Bank of America car loans typically do not. Ask the representative to confirm there are no penalties before you pay.
How do I refinance my Bank of America car loan?
Call 1-800-333-6262 and ask about refinancing options. A representative will review your current loan, credit, and income to see if you may have access to for a lower rate or different terms. You can also call 1-800-731-2424 to explore refinancing. The process usually takes one to two weeks from process to approval.
What if I missed a payment or my payment was late?
Call 1-800-333-6262 when ready. A representative can tell you whether the late payment has been reported to credit bureaus and what your options are. If you can pay the missed amount quickly, they may be able to prevent further damage to your credit. Do not ignore a missed payment, as it can lead to repossession of your vehicle.
Can I change my payment due date?
Yes. Call 1-800-333-6262 and ask to change your payment due date. The representative will explain which dates are available and process the change for you. You can also request this through your online account in some cases. Changes typically take effect on your next billing cycle.