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MOST FREQUENTLY ASKED QUESTIONS

As an existing CCM Finance customer, you can submit your family members or friends as a referral to our affiliated dealership group and earn unlimited rewards when they complete their vehicle purchase by clicking here.

Yes, you can ride for free by submitting only two succesful referrals a month.

Important! Please include your name and cell number in the Notes section of referral submission form so we can apply your referral credit to your auto loan.

* Other Restrictions May Apply. Please consult your account manager for more details after submission of your referral.

Please click here to review for a list of available payment methods.

Please click here to watch a brief explainer that guides you through the steps.

Yes. CCM Finance now reports to Experian and Equifax every thirty days. Our agreement with Equifax ensures all payment activity is reported. We report on time payments, late payments over 30 days and all information related to the closing of an account (due to repossession, payoff, etc.)

A 3rd party can make a payment on your loan by submitting a 3rd Party Payment Authorization request here. Form must be filled out by the cardholder and a copy of cardholder's DL or ID must be submitted along with the request. Once request is received, a member of Customer Service team will reach out for further verification and process the payment.

CPI (Collateral Protection Insurance) provides our borrowers with coverage against physical damage to their vehicle. As soon as the first CPI payment has been made, the borrower’s vehicle is covered against accident damage, theft, and acts of nature. CPI does not cover vehicle maintenance and normal wear and tear A borrower may switch to CPI at any time during the loan term by calling (800) 619-3986 and ask for the price to be paid and is always free at any time by providing valid comprehensive and collision insurance.

If your vehicle has been impounded and you can’t afford to recover your vehicle from impound, please be sure to call CCM Finance at (800) 619-3986 to provide necessary information. CCM Finance doesn’t want to lose the lien on the vehicle. We can send a third party vendor to recover the unit from them and you can call us and pay us back within a timely manner to reinstate your vehicle.

If you already have a vehicle financed by CCM Finance, you can trade it in for another one as long as you meet the following requirements.

1. You have had your vehicle for at least a few years (the exact length requirements vary by contract and vehicle. Submit the form here to reach out to us and see if your vehicle is eligible for trade-in.)
2. You have paid your car loan down to $5,000 or less.
3. You must not be upside-down on your car loan (i.e., you cannot owe more than the car is worth).

We are sorry that you are experiencing a financial hardship. Please visit here and complete the form if you are interested in applying for our hardship assistance program.

Please complete the financial hardship application in its entirety and attach all appropriate documentation in order to be considered for CCM Finance’s financial hardship program. If the financial hardship application is incomplete, your financial request will be rejected. If there is a co-borrower on the account, the co-borrower must complete a separate financial hardship application.

Refinancing Requirements

To qualify for refinancing with CCM Finance, you must meet the following requirements:

  • You must be current on your existing loan.
  • You must have been in your current vehicle for more than 24 months.
  • Your vehicle must be clean and in good running condition.

If you meet these requirements, you can start your Vehicle Refinance Request by clicking here .

Documents Needed

Proof of Employment and Income

CCM Finance requires proof of income before you can be approved for a new loan or vehicle refinance. Please complete income verification by clicking here before starting your application.

Documentation requirements vary depending on whether you are an hourly or salaried employee, freelancer, contract employee, or self-employed.

  • Hourly or Salaried Employees: Pay stubs from your two most recent pay periods. If you apply near the beginning of the year, CCM Finance may also request your W-2 from the previous year.
  • Freelancers or Contract Employees: Your most recent tax return or bank statements from the most recent three months.
  • Self-Employed Applicants: Tax returns from the previous two years or bank statements from the most recent three months.

Helpful Information: You may request a copy of your W-2 from your employer. Tax return transcripts may also be requested through the IRS website. Please notify CCM Finance of any additional jobs or income sources, as this information may help with your application.

Proof of Residence

CCM Finance may request proof of residence if there is a discrepancy on your credit report or if the address on your driver's license does not match your current address.

Acceptable documents may include:

  • Utility bill, such as gas, electric, or water
  • Bank statement
  • Mortgage statement or lease agreement
  • Property tax bill
  • Homeowners or renters insurance policy

Proof of Insurance

Customers have two insurance options:

Full Coverage Insurance: To refinance your vehicle, you must provide proof of full coverage insurance. You may provide an insurance ID card or a declarations page issued by your insurance company.

CPI Insurance—Collateral Protection Insurance: If you do not have full coverage insurance, CCM Finance offers CPI coverage in-house. CPI covers only the financed or refinanced vehicle. You must still maintain the liability insurance required to legally operate the vehicle.

If you meet the requirements above, begin the refinancing application process below.

Please Fill Out a Vehicle Refinance Application Here

We can help you remove a co-borrower from your car loan. For this process to take place, the following requirements must be met:

-Your co-borrower will need to agree and sign a consent form at one of our locations.

-CCM Finance will get a new title and registration that reflects the removal of the co-borrower. There will be a cost for this process.

-A new application will need to be completed to see if you qualify for the loan without a co-borrower.

Fill out the secure application here to see if you qualify to stay on the loan without a co-borrower.

When you face a major mechanical breakdown with your CCM Financed vehicle, CCM Finance may help you finance the cost of your vehicle repair. You must meet the below requirements to apply for finance:

You must choose to get your vehicle serviced/fixed at one of our preferred mechanic shops in our network

You must be current on your loan payments.

If you need financial assistance, please fill out the form here to schedule an appointment and bring your vehicle in for a repair estimate.

If you have signed up for Collateral Protection Insurance with CCM Finance and need to submit an accident related claim, please click here and fill out our online form with your incident information. The estimated processing time will be 10-14 business days. The more information you provide on the CPI Claim form, the faster service you will get.

If you have any questions or need further assistance with your claim, please call (800) 619-3986.

If your vehicle has been repossessed, please be sure to call CCM Finance at (800) 619-3986 option 4, to discuss reinstatement eligibility and to schedule an appointment to pick up any personal belongings. Please have the keys to the vehicle to retrieve personal belongings.

Your vehicle will be stored at one of our impound locations for 72 hours. After this time, the vehicle may be transported to another impound location, including a location outside of the city, State the vehicle was repossessed.

*Reinstatement/Retrieval of personal property is subject to fees.

To submit your bankruptcy documents for a review, please fill out the form here.

Other Questions

Keeping your account details current is essential, as we may need to reach you by phone, mail, or email with important updates about your CCM Finance auto loan account or vehicle. If your physical address, phone number, or email has changed, please call us at (800) 619-3986.

In the event of a name change, we will need you to please email us copies of your legal documents (such as marriage certification, divorce decree, etc.) at customerservice@ccmfinance.net. This includes for the primary accountholder, co-signer, co-buyer, or co-borrower. Be sure to include your vehicle’s VIN and the name currently on the account with your emailed documents.

We understand that you may need a spouse, child, parent, or another individual to communicate with us about your account. Please see the section below, “How can I request a copy of essential documents?” for instructions on requesting a third-party authorization form. If we have any questions about the person you’ve authorized to discuss your account or need additional information, we may reach out to you directly regarding your request.

We’re here to assist with any questions regarding the information on your credit report. If you have supporting documents or details you’d like us to review, please email them to our Customer Service team at customerservice@ccmfinance.net. Be sure to include your account number or last 8 digits of vehicle’s VIN and a description of your questions about the credit report. Once we’ve reviewed the information, we may contact you to address your questions and concerns.

We’re happy to assist with your request for account documents. For the fastest response, please email your request to our Customer Service team at customerservice@ccmfinance.net or call Customer Service at (800) 619 – 3986. If additional information is needed, we may reach out to you directly regarding your request.

Customers can direct their family, friends, or others to make a guest payment on their CCM Finance auto loan by clicking share. A quick how-to video can be accessed here.

Customers can update their payment method on file by calling Customer Service at (800) 619 – 3986.

You can download CCM Finance RepayIt mobile app by clicking the link that matches your mobile device. Watch a brief explainer on how to access your account using the RepayIt mobile app here.

Android users (Samsung, LG etc.) : Click to download 

IOS users (Apple): Click to download 

Customers can make a payment to their auto loan with CCM Finance at over 90,000 retail locations such as Walmart, CVS, 7-Eleven and others. Watch the brief explainer below on how to make an in-person payment.

Proud to be a preferred lender for Cars and Credit Master.

Control your experience with
CCM Finance RepayIT mobile app

Manage your payments from anywhere, anytime

Schedule one-time or recurring payments securely from the comfort of your phone

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