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Customer SERVICES

Building Your Financial Future

We share a common goal with you: to Build your Financial Future.  We know your auto loan with us can establish your credit, saving you thousands of dollars on future loans and opening up opportunities to a better vehicle, or laying the path for buying a home or whatever your financial goals may be.  Establishing good credit can even open up employment opportunities.

Dedicated to Customer Advocacy

Paying ontime

The first step to a Better Financial Future is paying your loan on time.  We try to set you up for success by only approving loans our customers can afford.  And we work with an approved network of dealers with a history of selling quality vehicles.  That’s why each month over 95% of our customers are current on their payments.

Keep in touch when things go wrong

Cars breakdown,  Accidents happen. People lose their jobs. We all experience life emergencies.  We understand and we are here to help.  If you qualify, Challenge has several programs that help you stay on track. Our staff is standing by to work with you.  All we ask is that you stay in touch with us.  And no matter your problem, we have helped customers just like you.

All The Ways to Pay on Time

Pay Online

Make a payment anytime with a Bank Account, Visa, Mastercard, American Express or Discover Card.  Third party processing fees may apply.

Pay by Phone

Call 1-800-541-1417.  Your friendly Agent is available from 8:30 am to 5:30 pm Monday through Friday to take your payment or you can choose to make an automated payment by phone 24 hours a day by choosing option 2.  Third party processing fees may apply.

Recurring Payments from your Bank Account

Enroll in Recurring payments from your bank account by logging into your account.  Or you can complete this form and send to us by mail or fax.

Pay by Mail

Send Check or Money Order to:

Challenge Financial
1004 W Taft Ave Ste 100
Orange, CA 92865

Do Not Send Cash. Please send your payment with sufficient time to arrive before your due date.

Pay by Cash at these Stores

7-Eleven, CVS, Walmart, Walgreens, or Dollar General locations nationwide – many open 24 hours a day, 7 days a week.

Just follow these three easy steps:

  • Get your payment barcode by clicking Get Barcode button or use the barcode on your statement.
  • Take your payment barcode and cash to your closest location. 
  • Provide your barcode and cash to the cashier to make your payment and keep your receipt for proof of payment.

Please note the service provider charges a service fee for this transaction.

Pay by Cash with MoneyGram

To make your payment with MoneyGram you must take your payment and the payment fee in cash to a MoneyGram agent near you.

You will need to provide your Receive Code 6321 and your Account Number.

Please note that MoneyGram charges a service fee for this transaction.

Dedicated to Customer Advocacy

Paying ontime

The first step to a Better Financial Future is paying your loan on time.  We try to set you up for success by only approving loans our customers can afford.  And we work with an approved network of dealers with a history of selling quality vehicles.  That’s why each month over 95% of our customers are current on their payments.

Keep in touch when things go wrong

Cars breakdown,  Accidents happen. People lose their jobs. We all experience life emergencies.  We understand and we are here to help.  If you qualify, Challenge has several programs that help you stay on track. Our staff is standing by to work with you.  All we ask is that you stay in touch with us.  And no matter your problem, we have helped customers just like you.