Bank of America Auto Loan Phone Numbers and Hours

Bank of America's main auto loan customer service line is 1-800-333-5363. This number works for questions about existing auto loans, payment issues, account changes, and general information. The line is open Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time. Bank of America does not staff this line on Sundays or major federal holidays.

If you are calling about a specific issue — a missed payment, a request to modify your loan terms, or a question about your payoff amount — have your loan account number ready. This speeds up the process and helps the representative pull up your exact account details without asking for additional verification.

For customers who prefer not to call, Bank of America also offers auto loan support through their website at bankofamerica.com and through their mobile app. Both allow you to view your balance, make payments, and send messages to a representative without waiting on hold.

Key Takeaways

  • Bank of America's auto loan customer service number is 1-800-333-5363, available Monday through Friday 8 a.m. to 9 p.m. Eastern and Saturday 9 a.m. to 5 p.m. Eastern.
  • Having your loan account number ready when you call will reduce wait time and help the representative locate your account faster.
  • You can handle many auto loan tasks online through bankofamerica.com or the mobile app without calling, including viewing your balance and making payments.
  • Bank of America does not answer auto loan calls on Sundays or major federal holidays, so plan your call for a weekday if possible.

What You Can Do Over the Phone

When you call the auto loan line, you can ask about your current balance, request a payoff quote, report a missed or late payment, set up automatic payments, or discuss options if you are having trouble making a payment. The representative can also help you understand your loan terms, answer questions about your interest rate, or explain what happens if you want to pay off the loan early.

If you need to make a one-time payment over the phone, Bank of America can process that during your call using a debit card or bank account. Keep in mind that payments made by phone may take one to two business days to post to your account, depending on when you call and the payment method you use.

Online and App-Based Options

Bank of America's website and mobile app let you handle most routine auto loan tasks without calling. You can log into your account to view your current balance, see your payment history, read statements, and make a payment when ready. Payments made through the website or app typically post within one business day.

The mobile app also sends payment reminders and lets you set up automatic monthly payments so you do not have to remember to pay each month. If you set up autopay, your payment will be deducted on the same date each month, and you can change or cancel it anytime through the app or website.

When to Call Versus When to Use Online Services

Use the phone line when you need to discuss your options — for example, if you are struggling to make a payment and want to know about deferment or loan modification, or if you need a payoff quote for refinancing purposes. A representative can walk you through what is available and answer follow-up questions in real time.

Use the website or app for routine tasks like making a payment, checking your balance, viewing your payment schedule, or downloading a statement. These tasks are faster online and do not require you to wait on hold. The app is especially useful if you need to make a payment outside business hours.

What to Have Ready Before You Call

Gather your loan account number, which appears on your monthly statement or in your online account. If you are calling about a payment issue, have the date and amount of the payment you are asking about. If you are requesting a payoff quote for refinancing, have the date you plan to pay off the loan, since the payoff amount changes as interest accrues.

If you are calling from a phone number different from the one on file with Bank of America, the representative may ask you security questions to verify your identity. This is standard practice and protects your account from unauthorized access.

Mailing Address for Written Correspondence

If you prefer to send a written letter about your auto loan, you can mail it to Bank of America's auto loan servicing address. The address varies depending on your loan type and region, so the fastest way to find the correct mailing address is to call the customer service line and ask, or check your most recent statement — the address is usually printed on the back.

Written correspondence typically takes longer to process than a phone call or online request, so use this method only if you need a formal record of your communication or if you are unable to reach someone by phone.

Frequently Asked Questions

Can I make a payment over the phone without talking to a representative?

Bank of America offers an automated phone payment system, but you will need to call the main auto loan line to access it. The system walks you through entering your payment information and amount. If you prefer to speak with a person, you can stay on the line after the automated menu to reach a representative.

What if I need to reach Bank of America on a weekend or holiday?

The phone line does not staff weekends or federal holidays. However, you can make payments, check your balance, and send a message to a representative through the website or app at any time. Your message will be answered during the next business day.

How long does it take to get a payoff quote?

A representative can give you a payoff quote over the phone when ready. The quote is usually good for 10 to 15 days, though this varies. If you need the quote in writing for a refinance lender, ask the representative to email or mail it to you.

What if my auto loan is through a Bank of America subsidiary?

Bank of America owns several auto lending subsidiaries. If your loan is through one of these, the main customer service number may route you to the subsidiary's line. Have your account number ready so the system can direct your call to the right department.