Where can I mail my payments?
Your payments can be mailed to the following address:
1475 W. Cypress Creek Rd, Suite #300
Fort Lauderdale, FL 33309
Overnight payments should be mailed to the following address:
1475 W. Cypress Creek Road, Suite 300
Ft. Lauderdale, FL 33309
What are my payment options?
AFS has several and convenient payment options to chose from. Please click here to view all of our payment options.
Can I make payments online?
Yes. Please click here to refer to our payment options.
Note: Currently, AFS is not offering online payment through our website; however, this payment option will be coming soon.
Can my payments be automatically deducted from my checking or savings account?
Yes. Simply click here and sign up now!
Does AFS accept payments by phone?
Yes. We accept payments from personal checking or savings accounts, as well as debit cards by phone. Please call us toll-free at (877) 576-2265 and have your debit, checking or savings account information ready. Please note that additional fees apply.
How does AFS compute daily interest?
It depends if you have a Pre-Compute (otherwise known as Add-On rate contract) or a Simple Interest contract. For Simple Interest Contracts, AFS computes daily interested (e.g. per diem) as follows:
(Principle Balance x Contract Interest Rate “APR”) / 365 = Daily Interest
Example: ($10,000 x 18%) / 365 = $4.93
Can I refinance my auto loan?
AFS does not currently offer the possibility for our customers to refinance their contracts.
What is my grace period?
The grace period is determined by the state where you executed your retail installment sales contract. The grace period only determines the number of days before a late fee is assessed on your account. Your payment is still due on or before the due date. Failure to do so will result in your account being past due and late charges being assessed. Please call us toll-free at (877) 576-2265 for more information.
At what point will I be charged a late fee?
The amount of the late fee and when it is assessed depends on the state where you executed your retail installment sales contract. For example, in Florida, if your payment is due on the 5th of each month, it must be received by the 15Th before 5:00PM EST to avoid a late fee.
May I change my payment due date?
Yes. In order to qualify to change the due date, the account must be current, the first payment must be made, and we must have received proof of full-coverage insurance.
When a loan is satisfied (paid in full), when should I expect my title?
It takes 30 business days for AFS to release the title. We will send you the title by mail to the address we have on file.