CUSTOMER FAQ’s

Sensible Auto has thought of everything, including the answers to your questions

How do I contact a Sensible Auto representative?

You can reach a representative at (888) 696-4140 from 9am – 8pm EST, Monday – Friday, and 9am – 5pm EST on Saturday.

Can I make a payment at the dealership?
Our dealer-partners do not accept payments on behalf of our customers. Please use one of the other payment options.
How do I get a payoff on my account?
Fill out a payoff request form here or call (888) 696-4140 and speak to one of our representatives. Representatives are available from 9:00 a.m. – 8:00 p.m. EST. Monday through Friday, and from 9:00 a.m. to 5:00 p.m. on Saturdays.
How can I pay online?

You can make a payment online by logging in here.

To make an electronic payment by phone, please call 877-421-6820.

What are my payment options?
We offer several payment options you may be able to take advantage of when making your payments, including our most common payment methods:

  • Automatic Payments (reoccurring debit from your bank account and one-time debit from your bank account)
  • PayNearMe – for details, please go to paynearme.com
  • Check/Money Order (mail in payment options)
What is your payment mailing address?

Below are our official payment mailing addresses. For proper credit on your account, please be sure to include your payment coupon and your account number on your check or money order.

Sensible Auto Finance, LLC
P.O. Box 3115
Danbury, CT 06813

For faster payment service, please visit your local Western Union or MoneyGram locations. To get a list of local Western Union or MoneyGram locations, please call us at (888) 696-4140 or visit Western Union or MoneyGram online.

Can I change my payment date?
Unfortunately payment dates cannot be changed as they are based on the original contract that was signed. Although dates cannot be changed, we are always willing to work with our customers to provide them with the best alternatives for their personal situation.

If you have run into difficulty or simply need assistance because you cannot honor your original payment agreement, please call us at (888) 696-4140. We will do our best to provide you with alternatives for your personal situation.

Can I refinance my vehicle?

Yes! You can apply for a vehicle refinance by using the form located on this page.

How does Sensible help me rebuild my credit?

Sensible Auto Finance is committed to helping you rebuild your credit. Your timely payments are reported to the major credit bureaus each and every month.

Staying current on your loan is a vital step in establishing a positive payment history.

There's a mistake on my credit report.

Sensible Auto Finance is committed to accurate reporting. For the quickest and most informative process please complete your dispute with one of the three major reporting agencies. An investigation will be conducted and you will have a response to your inquiry within 30 days.

If you’re unsure how to file a dispute with one of the major agencies. Please see below for the appropriate link to submit your dispute online, or you can mail it to the listed addresses.

Equifax 
P.O. Box 7404256
Atlanta, GA 30374

To complete your dispute with Equifax online go here.

Experian
P.O. Box 2002
Allen, TX 75013

To complete your dispute with Experian online go here.

TransUnion
P.O. Box 390
Springfield, PA 19064

To complete your dispute with TransUnion online go here.

If you would like to file the dispute directly with Sensible Auto Finance, please send a copy of your credit report accompanied with your written dispute to the following address:

Sensible Auto Finance, LLC
P.O. Box 3115
Danbury, CT 06813
Attention: Credit Dispute Department

I filed a dispute last month and did not hear from you yet.
All credit dispute inquiries are answered within 30 days of submission.
How do I dispute credit report errors with the major credit reporting agencies?

For more information on how to dispute errors, visit the Federal Trade Commissions (FTC) website, https://www.ftc.gov/

The following are the dispute websites and addresses for the three major credit reporting agencies:

Equifax 
P.O. Box 7404256
Atlanta, GA 30374

To complete your dispute with Equifax online go here.

Experian
P.O. Box 2002
Allen, TX 75013

To complete your dispute with Experian online go here.

TransUnion
P.O. Box 390
Springfield, PA 19064

To complete your dispute with TransUnion online go here.

How do I update my insurance information?

New or changed insurance policies and documents should be sent to Sensible by:

1) Fax to (866) 566-3336

2) Email to notices@verifacto.com

Does Sensible have a Customer Privacy Policy ?

Yes. Sensible has a Customer Privacy Policy which you can view by clicking here.

Does Sensible have a Fair Lending Plan?

Yes. Compliance with all applicable federal and state rules and regulations is of utmost importance to Sensible. Sensible has a Fair Lending Policy and it can be accessed by clicking here.

Still have questions? Please fill out the form below and someone will be happy to assist!

FAQ’s

Sensible Auto has thought of everything, including the answers to your questions

How do I contact a Sensible Auto representative?
You can reach a representative at (888) 696-4140 from 9am – 8pm EST, Monday – Friday, and 9am – 1pm EST on Saturday.
Can I make a payment at the dealership?
Our dealer-partners do not accept payments on behalf of our customers. Please use one of the other payment options.
How do I get a payoff on my account?
Fill out a payoff request form here or call (888) 696-4140 and speak to one of our representatives. Representatives are available from 9:00 a.m. – 8:00 p.m. EST. Monday through Friday, and from 9:00 a.m. to 5:00 p.m. on Saturdays.
How can I pay online?

You can make a payment online by logging in here.

To make an electronic payment by phone, please call 877-421-6820.

What are my payment options?
We offer several payment options you may be able to take advantage of when making your payments, including our most common payment methods:

  • Automatic Payments (reoccurring debit from your bank account and one-time debit from your bank account)
  • PayNearMe – for details, please go to paynearme.com
  • Check/Money Order (mail in payment options)
What is your payment mailing address?

Below are our official payment mailing addresses. For proper credit on your account, please be sure to include your payment coupon and your account number on your check or money order.

Sensible Auto Finance, LLC
P.O. Box 3115
Danbury, CT 06813

For faster payment service, please visit your local Western Union or MoneyGram locations. To get a list of local Western Union or MoneyGram locations, please call us at (888) 696-4140 or visit Western Union or MoneyGram online.

Can I change my payment date?
Unfortunately payment dates cannot be changed as they are based on the original contract that was signed. Although dates cannot be changed, we are always willing to work with our customers to provide them with the best alternatives for their personal situation.

If you have run into difficulty or simply need assistance because you cannot honor your original payment agreement, please call us at (888) 696-4140. We will do our best to provide you with alternatives for your personal situation.

Can I refinance my vehicle?
Yes! You can apply for a vehicle refinance by using the form located on this page.
How does Sensible help me rebuild my credit?

Sensible Auto Finance is committed to helping you rebuild your credit. Your timely payments are reported to the major credit bureaus each and every month.

Staying current on your loan is a vital step in establishing a positive payment history.

There's a mistake on my credit report.

Sensible Auto Finance is committed to accurate reporting. For the quickest and most informative process please complete your dispute with one of the three major reporting agencies. An investigation will be conducted and you will have a response to your inquiry within 30 days.

If you’re unsure how to file a dispute with one of the major agencies. Please see below for the appropriate link to submit your dispute online, or you can mail it to the listed addresses.

Equifax 
P.O. Box 7404256
Atlanta, GA 30374

To complete your dispute with Equifax online go here.

Experian
P.O. Box 2002
Allen, TX 75013

To complete your dispute with Experian online go here.

TransUnion
P.O. Box 390
Springfield, PA 19064

To complete your dispute with TransUnion online go here.

If you would like to file the dispute directly with Sensible Auto Finance, please send a copy of your credit report accompanied with your written dispute to the following address:

Sensible Auto Finance, LLC
P.O. Box 3115
Danbury, CT 06813
Attention: Credit Dispute Department

I filed a dispute last month and did not hear from you yet.
All credit dispute inquiries are answered within 30 days of submission.
How do I dispute credit report errors with the major credit reporting agencies?

For more information on how to dispute errors, visit the Federal Trade Commissions (FTC) website, https://www.ftc.gov/

The following are the dispute websites and addresses for the three major credit reporting agencies:

Equifax 
P.O. Box 7404256
Atlanta, GA 30374

To complete your dispute with Equifax online go here.

Experian
P.O. Box 2002
Allen, TX 75013

To complete your dispute with Experian online go here.

TransUnion
P.O. Box 390
Springfield, PA 19064

To complete your dispute with TransUnion online go here.

How do I update my insurance information?

New or changed insurance policies and documents should be sent to Sensible by:

1) Fax to (866) 566-3336

2) Email to notices@verifacto.com

Does Sensible have a Customer Privacy Policy ?

Yes. Sensible has a Customer Privacy Policy which you can view by clicking here.

Does Sensible have a Fair Lending Plan?

Yes. Compliance with all applicable federal and state rules and regulations is of utmost importance to Sensible. Sensible has a Fair Lending Policy and it can be accessed by clicking here.

Still have questions? Please fill out the form below and someone will be happy to assist!