Auto Modification FAQs

Yes. To complete the modification setup, we'll need all buyers on the account to accept the terms of the agreement. This means if we don't receive a signature of acceptance from everyone by the date outlined, we won’t be able to process your modification, and you'll have to restart the process. We can't guarantee you'll see the same modification option again.

Refinancing replaces your existing contract with a new one. Modifying, on the other hand, changes the terms of your current contract — in this case, the length of the contract and monthly payment amount.

Going through the online payment assistance process isn't the only way to request a modification. Call 1-888-925-2559 or chat with us online if you want a modification but can't make an online payment, and we’ll try to help.

If you expect to face continued financial hardship, like job loss or reduced wages, you can request a modification to lower your monthly payment. A modification lowers your monthly payment amount but lengthens the life of your contract (and will cost you more in finance charges due to the longer repayment period).

Yes, and the modification won’t change your existing SCRA rate.

No, once you set up a modification, you won’t be able to modify again, change your due date, or set up an extension.

The modification won’t increase or lower your APR.

To complete the modification, you’ll have to pay the amount of accrued unpaid finance charges or the new modified payment amount (whichever is lower).

No. A modification doesn’t forgive or waive any portion of your outstanding balance.