Where to send your Westlake payment
Westlake Services handles auto loans for millions of borrowers. To make a payment, you have three main routes: online through their website, by phone, or by mail. The fastest and most common method is online, where you can pay when ready and see your payment post within one to two business days.
If you choose to pay online, go to westlakeservices.com and log into your account. You will need your loan number and online banking information to set up a payment. If you do not have an online account yet, you can create one using your loan number and the phone number or email address associated with your loan.
For phone payments, call Westlake Services at the number on your loan statement or bill. A representative can process your payment over the phone using a bank account or debit card. This method takes a few minutes and your payment is recorded when ready, though it may take a business day or two to show in your account balance.
Key Takeaways
- Online payment through westlakeservices.com is the fastest method and shows your payment posted within one to two business days.
- Phone payments can be made by calling the number on your loan statement, and the payment is recorded when ready even if it takes time to show in your balance.
- Mailed payments should be sent to the address on your bill and typically take seven to ten business days to post to your account.
- Set up automatic payments through your online account to may support your payment arrives on time every month without having to remember each due date.
Mailing a check or money order
If you prefer to pay by mail, write a check or money order and send it to the address printed on your loan statement. Do not send cash through the mail. Include your loan number on the check so Westlake can match the payment to your account.
Mailed payments typically take seven to ten business days to arrive and post to your account. If your payment is due soon, mailing is the riskiest option because delays in postal delivery could cause your payment to arrive late. If you must mail a payment, send it at least two weeks before your due date.
Setting up automatic payments
Automatic payments remove the worry of missing a due date. Through your Westlake online account, you can set up a recurring payment that withdraws from your bank account on the same day each month. You choose the amount and the date, and the payment happens without you having to do anything.
To set up automatic payments, log into your account, find the payment or autopay section, and enter your bank account details. Westlake will verify your account with two small deposits, usually within one to two business days. Once verified, your automatic payment begins on the date you choose.
Automatic payments can be changed or stopped at any time through your account. If you need to pause a payment or adjust the amount, you can do so online without calling.
What happens if your payment is late
A payment is considered late if it arrives after your due date. Most loan agreements allow a grace period of ten to fifteen days after the due date before a late fee is charged, but this varies by lender and loan. Check your loan documents or call Westlake to confirm your grace period.
If your payment is more than thirty days late, Westlake will report it to the credit bureaus, which can lower your credit score. Late payments stay on your credit report for seven years. If you know you will miss a payment, contact Westlake before the due date to discuss options like a payment plan or deferment.
Paying off your loan early
You can pay off your Westlake loan at any time without penalty. Some lenders charge a prepayment penalty, but Westlake does not. If you want to pay off the entire remaining balance, contact Westlake by phone or through your online account to request a payoff quote.
A payoff quote tells you the exact amount needed to close the loan, including any interest that has accrued since your last payment. The quote is usually good for a set number of days, often ten to thirty. Once you pay the payoff amount, your loan is closed and you own the vehicle free and clear.
Troubleshooting payment problems
If your online payment fails, check that your bank account has sufficient funds and that your banking information is current. Sometimes a payment is declined if your bank suspects fraud. Contact your bank to confirm the transaction, then try again through Westlake's website.
If a payment you made is not showing in your account after two business days, log into your account to check the status. Westlake's system usually shows pending payments. If the payment is not listed as pending or posted, contact Westlake customer service with the date and amount you paid. They can locate the payment and confirm when it will post.
If you are having trouble logging into your online account, use the "Forgot Password" link on the Westlake website to reset it. If you still cannot access your account, call the customer service number on your loan statement and a representative can help you regain access or process a payment over the phone.
Frequently Asked Questions
Can I pay Westlake through my bank's bill pay system?
Yes. Many banks allow you to set up bill payments to Westlake through their online banking platform. Use the mailing address on your loan statement as the payee address. This method works like mailing a check and typically takes seven to ten business days to post, so plan ahead for your due date.
What is the difference between the due date and the grace period?
Your due date is when Westlake expects your payment. The grace period is the number of days after the due date during which you can pay without a late fee. If your due date is the 15th and your grace period is ten days, you can pay by the 25th without penalty. After the grace period ends, late fees begin.
Do I need to contact Westlake if I pay extra toward my principal?
No. Extra payments are automatically applied to your principal balance, which reduces the total interest you pay over the life of the loan. You can make extra payments anytime through your online account or by phone. Westlake will adjust your payoff date accordingly.
What if I cannot make my full payment this month?
Contact Westlake before your due date to discuss your options. They may offer a payment deferment, which postpones your payment to the end of your loan, or a payment plan that spreads the amount over several months. Acting before you miss a payment is important because it prevents late fees and credit damage.
How do I know if my payment went through?
Log into your Westlake online account and check your payment history. Online and phone payments show as posted or pending within hours. Mailed payments take longer to appear. If you paid by phone, you should receive a confirmation number at the time of payment. Keep that number for your records.