If you’re experiencing short-term financial difficulty, we may be able to help you with alternate payment arrangements like payment deferrals or repayment plans. The more we understand about your situation, the more we will be able to help you with finding a solution that works for you.

Please keep in mind that if we don’t receive the full payment amount by the due date, your account is still considered past due, so please contact us as soon as possible when you experience financial difficulties.

If your long-term financial circumstances have changed, we may be able to work with you to modify the terms of your loan to make it more affordable for you.

If you’re unable to make your auto loan payments and have already exhausted other options, you may be able to voluntarily surrender your vehicle. In this case, Sunrise Banks would repossess the vehicle, sell it, and apply the proceeds of the sale to your loan. You may still be responsible for paying the remaining balance of the loan if the sale of the vehicle does not cover the full balance.

They can. If you have a payment that is over 30 days late, it may appear on your credit report. There are several factors that go into how much it affects your credit score, like how late the payment is and how often you make late payments.

You can get a free copy of your credit report from annualcreditreport.com or through the Sunrise Banks digital banking SavvyMoney feature.

Contact Sunrise Banks as soon as possible. We will work with you to try to find an alternative that’s affordable for you, like modifying the terms of your loan or changing your repayment plan. We can also help connect you with financial wellness resources (some are listed below.)

Contact us as soon as possible. We will personally walk through the options available to you and what your next steps should be. You can contact us by filling out the form above or at 866-827-0007 Off Site Link.