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Additional Services

Get Help with Consumer Loan Payment Challenges

Are you struggling to make your monthly consumer loan payments?

We’re here to help. Give us a call at 866-827-0007 Off Site Link or fill out the form below to learn more about your options.

Si necesita traducción al español de este documento, por favor llame al (866) 827-0007 de lunes a viernes durante el horario de 8 am a 5 pm para recibir asistencia de uno de nuestros asociados. Si no puede llamar durante este horario, por favor déjenos un mensaje en nuestro buzón de voz con el mejor horario del día para que alguien devuelva su llamada.

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Explore loan payment assistance options:

If you’re experiencing short-term or long-term financial challenges, here are some options that may help. Contact us via the form above or at 866-827-0007 Off Site Link to discuss any of these options.

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.

Frequently Asked Questions

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.

Resources

It should never cost you money to get help or information about loan payment assistance.

Watch out for scams.

If the offer seems too good to be true, it probably is. And if someone asks you to pay up front for payment assistance, they probably don’t have your best interests in mind. If you have any doubts about whether or not an offer is legitimate, contact us first.

Here are four signs of scams to watch out for:

Learn More About Scams

If you think you’ve encountered a scam:

Visit https://www.consumerfinance.gov/complaint/ to submit a complaint and get information on how to fight back.

You can get free financial counseling.

As a Sunrise Banks customer, you qualify for free financial counseling through our partner LSS Financial Counseling. Off Site Link

Learn More About Your Options

Do you have financial wellness questions?

Debt can feel overwhelming. To learn more about your options for getting out of debt, you can explore our financial wellness tools through Banzai. Off Site Link

Learn More About Financial Wellness

Additional Resources

In addition to the resources above, the Consumer Financial Protect Bureau offers resources to help you with debt collection, credit reports, credit cards, and more. You can contact the Consumer Financial Protection Bureau (CFPB) at (855) 411-2372 or https://www.consumerfinance.gov/