Payment Options

We make it easy by providing multiple options to make paying convenient.

Ways to Pay

Pay on the go

The flexibility to pay is at your fingertips with a variety of payment types.

Flexible payment options

With one tap, you can quickly chose between one of the following:

  • Debit/ATM cards
  • Bank account (checking or savings)

You also have the options for Promise to Pay (for eligible customers) and Auto Pay.

Get the app

Choose from a variety of payment types

Simply log in to your online account to choose paying with one of the following:

  • Debit/ATM cards
  • Bank account (checking or savings)

You also have the options for Promise to Pay (for eligible customers) and Auto Pay.

Log in to the payment portal

On-time payments

Never miss another payment with our no-fee Auto Pay. Each month on the date you specify, we'll deduct your payment direct from your bank account;

Simply enroll using our Auto app, online Payment Portal or call us at 877-722-7299.

Whichever you choose, there's no fees

Pay by phone

Have your 10-digit account number ready and call:

We accept ATM and Debit cards or electronic checks.

Pay by mail

When mailing payments:

  • Include your 10-digit account number on your check
  • Don't send cash
  • To avoid late charges, only mail payments to:

    Regional Acceptance Corporation
    PO Box 580075
    Charlotte, NC 28258-0075

Wire us the money

Third-party fees apply with these options.

Promise to Pay

If you're unable to make your monthly payments, we're here to help. Promise to Pay can offer some flexibility so you avoid late payments.

Before your next due date, call us for payment options at 877-722-7299

Payments

Find answers to frequently asked payment questions.

Where can I find my payoff amount?

Your payoff amount can be found in our RAC Auto ® app, the Payment Portal on the account information page, on your monthly billing statement or by calling our 24/7 automated assistance at 877-722-7299.

Are there penalties for paying off my account early?

No. There are no penalties for making payments early or paying off your account early.

Where can I send my payoff amount?

Please use the appropriate address for your chosen delivery method.

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  • USPS
    Regional Acceptance Corporation
    PO Box 580075
    Charlotte, NC 28258-0075

  • Express (overnight)
    Regional Acceptance Corporation
    Attn: Payoff Department
    1424 East Fire Tower Road
    Greenville, NC 27858

Can I make a payment at a Truist bank because RAC is an affiliate?

No. However, there are a variety of other payment options.

Can I be notified by email when payments are due?

Yes. Log in to your account where you can enroll in eStatements by choosing Go Paperless Now to enroll in electronic statement notification.

Auto Pay

Find answers to frequently asked Auto Pay questions.

How does Auto Pay work?

Once you sign up, we'll automatically deduct the exact amount you entered from your designated account on your draft date each month.

Why should I sign up for Auto Pay?

You'll no longer have to write a check each month for your auto payment, and you’ll have peace of mind knowing that your payment is being made automatically, on time and through a secure method.

Does Auto Pay cost anything?

There's no charge to set up or use Auto Pay.

How can I set up an Auto Pay or my payment?

You can set up an automatic monthly draft to debit your bank account on or before your due date by logging in to our RAC Auto app or Payment Portal. 

Allow 5 business days prior to your requested draft date to process your request. There is no fee with this payment option.

How close to my payment due date can I set up Auto Pay?

Please allow 5 business days prior to your requested draft date to process your request to help ensure your payment isn't late.

What happens if I change my bank?

To avoid late payments if you change banks/accounts, you can easily and securely manage your Auto Pay account information by logging in to the RAC Auto app, Payment Portal or by contacting us by phone.

Can I set my draft up for more than my monthly payment amount?

Yes. You can set you your draft for amounts above your minimum monthly payment.

How do I cancel or change my Auto Pay?

You can make changes to your Auto Pay in our RAC Auto app, through the Payment Portal or by calling us at 877-722-7299. 

Pay by phone with our 24/7 automated assistance

877-722-7299