FAQ

FAQ

What are your business hours?

Capital Auto Loan is open Monday through Friday from 8:30am to 5:30pm.

What is your address?

2775 W Navigator Dr. Ste 110 - Meridian, ID 83642

Directions from Boise: Take I-84 West to the Ten Mile Rd. exit. Head North. Turn East on South Vanguard Way. We are located on the first floor of the Paylocity building in the Ten Mile Crossing Business Complex.

Directions from Nampa: Take I-84 East to the Ten Mile Rd. exit. Head North. Turn East on South Vanguard Way. We are located on the first floor of the Paylocity building in the Ten Mile Crossing Business Complex.

How do I contact you?

Call/Text: (208) 546-9319

Fax: (208) 907-5806

Email: info@capautoloan.com

How can I monitor my account online?

Click here to login to your online account. Here you will be able to access many features including the ability to monitor your account, make payments, view receipts, view insurance status, and many more.

How do I change my telephone number, address or email address in your records?

Please contact an account manager to change your address, telephone number, or email address.

Can I set up a payment reminder?

Payment reminders will be sent to your email address prior to your scheduled contract due date.

Will I receive a monthly statement or payment coupons?

They are available upon request. Please call, text, or email to request a monthly statement or payment coupon.

How do I make payments?

Online - Click here to make an Automatic ACH payments and one time ACH and one time debit/credit card payments. There is no convenience fee to process a payment online.

Telephone - One time ACH and one time debit/credit card payments can be accepted over the telephone. There is no convenience fee to process a payment over the phone.

Mail - Checks, money orders, and cashier's checks can be mailed to the Corporate address on Navigator Dr. Please write your loan number on the check, money order, or cashier's check..

Does my contract or loan allow for a grace period?

No, monthly payments are due on or before their due date, a late fee will be charged to the account if your full payment is received more than 10 days late. Late fees vary. Please refer to your contract for these details or contact our office.

What should I do if my monthly payment is going to be late?

Please let us know via text, email or a phone call so we can note on your account.

How do I change my due date?

We will allow a customer to change their due date one time throughout the life of the loan after the first payment is made. This change is made at the discretion of Capital Auto Loan. Please contact our office to discuss your request.

How does finance charge or interest accrue?

Your finance charge or interest is computed on a daily basis. This interest accrues on your unpaid principal balance at your annual percentage rate (APR) (interest rate). You can reduce the cost of your finance charge or interest if you pay before your monthly due date, you pay more than your monthly payment amount or you do both.

Is there a penalty for prepayment?

No, there is no penalty for prepayment.

How do I obtain a payoff amount on my contract or loan?

Please contact our office to obtain this amount. Do not refer to your last receipt as interest accrues daily.

Why is my unpaid principal balance different from my payoff amount?

The payoff amount will include any unpaid accrued interest, late fees (if applicable), and unpaid insurance premiums (if applicable). Please contact our office to obtain an accurate payoff amount.

Where is my loan being reported?

Your loan is being reported to TransUnion and Equifax. It is important to make payments on or before your due date to have a favorable auto loan history reported to your credit history.

For information about credit reports you can visit www.equifax.com, www. experian.com and www.transunion.com.
Contact
Phone: 208-546-9319
2775 W Navigator Dr
Ste. 110
Meridian, ID 83642
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