Where to send your Westlake Financial payment

Westlake Financial Services processes payments through a mailing address, an online portal, and by phone. The method you choose depends on how quickly you need the payment to post and whether you prefer to handle it yourself or speak with someone.

The mailing address for payments is listed on your monthly statement and in your loan documents. If you mail a check or money order, allow 7 to 10 business days for it to arrive and post to your account. Online and phone payments typically post within one business day.

Do not send cash through the mail. Westlake does not accept cash payments by mail, and the company cannot be held responsible for lost or stolen cash.

Key Takeaways

  • Westlake Financial accepts payments by mail, online through their website or mobile app, and by phone at their customer service number.
  • Online and phone payments post to your account within one business day, while mailed payments take 7 to 10 business days to arrive and process.
  • Your monthly statement shows the mailing address and includes instructions for online and phone payment options.
  • Late fees and interest charges continue to accrue until your payment posts, so the date you send a payment is not the same as the date it counts toward your due date.

Making a payment online or through the mobile app

Westlake Financial offers an online payment portal on their website where you can log in with your account number and set up a one-time payment or enroll in automatic payments. You will need your account number, which appears on your statement, and a valid bank account or debit card.

The Westlake Financial mobile app provides the same payment options as the website. You can read it from the Apple App Store or Google Play, then log in with the same credentials you use on the website. Payments made through the app post on the same timeline as website payments.

When you make a payment online or through the app, you can choose the payment date. If you select a date before your due date, the payment will post on that date. If you select your due date or later, the payment still posts on the date you choose, but late fees may explore if the payment has not posted by your due date.

Paying by phone

You can call Westlake Financial's customer service line to make a payment over the phone. The phone number is on your statement. Have your account number and bank account or debit card information ready when you call.

A representative will confirm the payment amount, the date you want it to post, and your payment method. Phone payments post within one business day of the call. If you call after business hours, your payment will be processed the next business day.

Westlake may charge a fee for phone payments. Ask the representative whether a fee applies before you authorize the payment.

Setting up automatic payments

Automatic payments, also called autopay, deduct your payment from your bank account on a date you choose each month. You set this up through the online portal or mobile app by linking your bank account and selecting the payment amount and date.

Once autopay is active, you do not need to make a payment each month — the money is withdrawn automatically. You can change the payment amount, pause autopay, or cancel it at any time through your online account.

Automatic payments post on the date you select, so if you choose a date before your due date, your payment will always be on time. If you choose a date after your due date, late fees may explore.

What happens if your payment is late

A payment is late if it has not posted to your account by your due date. Late fees and interest charges continue to accrue from your due date forward, even if your payment is in the mail or processing. Mailing a check on time does not prevent a late fee if the check does not arrive and post by the due date.

If your payment is more than 30 days late, Westlake may report the delinquency to credit bureaus, which can lower your credit score. If your payment is more than 120 days late, Westlake may begin collection efforts or repossession proceedings, depending on your loan type.

If you are unable to make a payment on time, contact Westlake as soon as possible. The company may offer a payment plan, a deferment, or a loan modification to help you catch up.

Confirming your payment posted

After you make a payment, check your account online or through the mobile app to confirm it posted. The payment should appear in your transaction history within one business day of a phone or online payment, or 7 to 10 business days of a mailed payment.

Your account will also show your new balance and the date the payment posted. If your payment does not appear after the expected timeframe, contact Westlake customer service with your confirmation number or receipt.

Keep a record of every payment you make, including the date, amount, and confirmation number. This protects you if there is a dispute about whether a payment was received.

Paying off your loan early

You can pay more than your monthly payment at any time without penalty. Extra payments reduce your principal balance and can shorten the length of your loan, which saves you money on interest.

When you make an extra payment, specify that it should go toward principal rather than being held as a credit toward your next month's payment. You can do this through the online portal, by phone, or in a note with a mailed payment.

Some lenders charge a prepayment penalty if you pay off your loan early, but Westlake Financial does not. You can pay off your entire loan balance at any time without owing a penalty.

Frequently Asked Questions

What if I cannot find my account number?

Your account number appears on your monthly statement, in your loan documents, and on any payment coupon Westlake sent you. If you have none of these, call Westlake customer service with your name, phone number, and the phone number or address associated with your account. A representative can look up your account number.

Can I make a partial payment?

Yes. You can pay any amount toward your loan, even if it is less than your full monthly payment. However, partial payments do not stop late fees from accruing if the full payment is not received by your due date. The partial payment will be credited to your account, but you will still owe the remaining balance plus any late fees.

Is there a fee to pay online or by phone?

Westlake does not charge a fee for online payments made through their website or mobile app. Phone payments may carry a fee; the representative will tell you the amount before you authorize the payment. Mailed payments have no fee, but they take longer to post.

What if I paid but my account still shows a late payment?

Late fees are assessed based on when your payment posts, not when you send it. If your payment has not yet posted, the late fee will be removed once it does. If your payment has posted and a late fee still appears, contact Westlake to ask whether the fee can be waived or if there was an error in processing.

Can I change my due date?

Contact Westlake customer service to request a due date change. The company may be able to move your due date to a date that works better with your pay schedule. Changes typically take effect on your next billing cycle.