• Which loans are eligible?
  • All loans booked from July 21, 2015 through August 31, 2016 will qualify for the “3% Cashback Pilot Program” period.
• How much Cashback Rebate does the Customer get?
  • Customer will receive 3% Cashback Rebate based on the interest paid during any 6 consecutive on-time payments (the “Qualification Period”).

Name changes to your account will only be processed for the following reasons and requires supporting documentation indicating the reason for the change:

• Legal Name Change – Submit a copy of the court order showing the name change and a copy of your new driver’s license
• Marriage – Submit a copy of your marriage certificate and a copy of your new driver’s license
• Divorce – Submit a copy of the divorce decree and a copy of your new driver’s license

Documentation can be submitted using any of the following methods:

Email:  WilshireCustomerCare@wilshireconsumer.com

Fax:(877) 821-4730

Mail:Wilshire Consumer Credit
Attn: Customer Service
PO Box 76809
Los Angeles, CA 90076-0809

Please allow up to 7 business days to process your request.

A payment due date change alters the contractual payment date to better suit your income and budget schedule. A one-time contractual due date change is available for your convenience, as long as the following qualifications have been met:

• A maximum of one due date change during the term of the contract
• At least one full payment must be posted to your account
• A due date change must bring the account current or no more than 5 days delinquent to allow for processing time
• The new payment due date cannot be more than 15 days forward from the original due date

An extension arrangement is available to customers experiencing temporary, financial hardship to defer one or more installment payments to the end of the contract term.

When a payment is deferred to the end of the contract, the scheduled contract maturity date, or final payment date, will be extended by each installment that was deferred and may result in the assessment of additional interest.

Please contact customer service at (800) 589 0290 to see if you qualify.

During the claims process, it is important that the loan holder continue to make monthly payments and keep the account current.

Submitting a claim:
Use the online Submit Insurance Claim form to notify Wilshire Consumer Credit of your accident.

After a claim is submitted:
If your car is considered a Total Loss, then the insurance company will issue Wilshire Consumer Credit the settlement check, and it will be posted to your account. The title will be released to the insurance company within 20 days of receiving payment. If there is a credit on the account after the payment is posted, a check will be mailed to you.

A GAP Claim will be processed if applicable. In the event that your vehicle is determined a Total Loss by the insurance company, Wilshire does not allow owner retention.

If your car is Repairable, you need to mail the check to Wilshire Consumer Credit. When you receive the check from the insurance company, you need to mail the endorsed check and body shop information to Wilshire Consumer Credit. The check will be released to the repair facility once the repairs are 90% completed.

Mail insurance check and information to:

Wilshire Consumer Credit
Attn: Insurance Claims Department
P.O. Box 845111
Los Angeles, CA 90054-0807

If you have any questions, please call Wilshire Consumer Credit at (800) 589-0290.

If applicable, payments are applied to account balances in the following order:
Fees, Interest, Principal, Expenses, Late Charges, Insufficient Fund Fees, Insurance, and Deferred Expenses.

Click this link to view the available types of Payment Options

You can receive your payoff information by calling Customer service at (800) 589-0290

Payoffs can be submitted using any of the following methods:

MoneyGram (Processing Fee: $9.95)
You may call (800) MONEYGRAM or visit www.moneygram.com to obtain the nearest location. You will need the following information:
Company: WCC (Wilshire Consumer Credit)
City: Los Angeles
Code: 3625

Phone Payments (Processing Fee: $5.00)¹
You may pay over the phone with a live representative using your Checking/Savings account, Debit, or ATM card.
If you’d like to make a payment, please call (800) 589-0290.
¹Please note that processing fee is not assessed in some states.

Payment Mailing Address
Overnight/Express Delivery (Fedex, UPS)
Lockbox Services
Wilshire Consumer Credit
ATTN: LBX # 075111
3440 Flair Drive
El Monte, CA 91731

If you want to authorize us to speak with someone about your account who did not sign the original contract, you must make that request in writing. Please fax us a letter to (323) 954-4689, naming the person you authorize us to speak with.

Contact Wilshire Consumer Credit at (800) 589-0290 for assistance if:

• You paid off your vehicle more than 10 business days ago and have not received your title or lien release

If you misplaced your title or lien release and would like to request a duplicate, please call (800) 589-0290.

If you have moved states and would like your title updated, or if you would like to remove a party from your title click here for more Information.

Please be aware that there is a fee associated with these requests

Title Releases for electronic titles in the state of FL or OH
Customers that have an electronic title in the state of FL and OH will call Wilshire Consumer Credit to ask why they did not receive a paper title after payoff. These states default to maintaining the customer’s title in electronic format in order to decrease the chances of a lost paper title, which could result in high duplicate title fees. In order to benefit the customer, these states have opted to retain the title in its original electronic format even after payoff. Should the customer choose to print the title, they will need to request this from their corresponding state and may be subject to a transaction fee.

Florida:

http://www.flhsmv.gov/html/emt.htm

The Division of Motorist Services has implemented an electronic lien and titling system (e-title) designed to assist lienholders as well as vehicle owners.

Electronically maintaining the title to your vehicle eliminates the risk of losing it and having to pay title fees to obtain a duplicate. It is also an effective fraud deterrent because potential thieves will not have access to your title.

If the lien on your vehicle has been satisfied and the title is electronically maintained, the Department is encouraging owners to maintain their titles electronically. Customers may still request that a paper title be printed at any time. Titles are mailed to the address reflected on the owner’s motor vehicle record and are generally mailed within two (2) days of receipt of the request. To request a paper title, you may use the Division of Motorist Services website provided below to submit your request. If you wish to obtain a paper title immediately, many tax collector offices offer same day title printing for $10.00.

You do not need to request a paper title prior to trading your vehicle with a Florida dealership. If you are a dealer or lienholder, click here for E-Title frequently asked questions and common scenarios.

If you are selling your vehicle, rather than trading it with a Florida dealership, you will need to request a paper title be printed in order to transfer ownership to the purchaser.

To submit your request via the department’s secure website, here

Ohio:

The Ohio Department of Public Safety Bureau of Motor Vehicles (BMV) implemented the Electronic lien and title program (ELT) in 2003.

The ELT program enabled the Ohio BMV and participating lenders to exchange vehicle and lien information electronically very quickly and cost efficiently. The BMV provides lienholders with electronic information regarding newly issued or updated titles as well as allowing lenders to release their interests/liens on said vehicles via an electronic message. This exchange reduced most delays involved in vehicle titling as well as lowering costs associated with processing, mailing, handling paper titles.

Current customers retaining an electronic title in the state of Ohio can proceed to perform most transactions, such as selling their vehicle to dealer or renewing their registration, while keeping their title electronic. Most dealers will ask their customer to sign a BMV 3774 form (“Application(s) for Certificate of Title to a Motor Vehicle”) to complete this transfer on their behalf.

In the event a transfer of ownership between private parties takes place (selling your vehicle to another individual), you will need to take a lien release statement, which will be sent to you by your lender upon payoff, to your county Title Office for a replacement title.

For additional questions regarding the electronic titling program in Ohio, please visit the BMV’s Frequently Asked Questions web page here