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Universal Account Servicing (UAS) services your credit account — we send your statements, take your payments, and answer your questions. You manage the account yourself in uPortal360.

Most people come here for

Making a payment

Pay online, by phone, or by mail — and how each option works.

Signing in

Your Account Number, your Access Code, and what to do when they don’t work.

Setting up AutoPay

The most reliable way to keep your account current.

A payment that won't go through

Nine checks that fix most declined payments, plus the full error reference.

If you have a promotional offer

“No interest if paid in full” is not a 0% loan. Interest is being calculated on your purchase from the day you took delivery. The offer is an opportunity to avoid paying that interest — but only if you pay the full Amount Financed by your expiration date and make every scheduled payment on time. Paying only the minimum each month will not get you there.

How promotional offers work

What you agreed to, in plain terms.

Finding your expiration date

Where your deadline and current deferred interest appear on your statement.

Your account

Your monthly statement

What each panel and number means.

Payment and charge history

Everything that has posted to your account.

Your agreement and account details

Your rate, your terms, your payoff figures, and copies of everything you signed.

Your information and credit

Update your details, and check what the credit bureaus have on file.

Alerts and paperless

Get told before a promotional period ends or a late fee is charged.

Student loans

In-school payments, repayment options, and what a cosigner is responsible for.

Not sure who we are?

You did not choose UAS — the business you bought from, or the lender that financed your purchase, did. Here is how that works, and who we are, including our NMLS number so you can verify us independently.

Still need a person

Call (888) 233-2302, Monday–Friday, 7:00 AM – 7:00 PM Central. You can also open a request in uPortal360 at any hour.