No, we do not use the postmark date from the envelope. Your payment is considered received the day it is delivered to our payment processing center or operations center.

Payments received in proper form on a business day prior to 8:00 p.m. ET will be effective dated and processed as of the date of receipt.

The CA address is our payment processing center. You may send overnight payments to our operations center at:

GMFS LLC c/o Specialized Loan Servicing
8742 Lucent Blvd., Suite 300
Highlands Ranch, CO 80129-2386

Yes, please call 1-866-392-1860 to speak to a Customer Care Representative or make a payment using the automated system. Please have your bank account number and routing number available when you call.

Your payment is considered late one day after the payment due date. However, late charges are assessed in accordance with the “grace period” specified in your Note or Retail Installment Contract.

If two or more weeks have elapsed since you sent your payment, please contact our Customer Care Department with questions at 1-866-392-1860 Monday through Friday, 6:00 a.m. until 6:00 p.m. MT.

You may set up electronic billing by logging in to your online account. In order to activate this service, the primary borrower must initiate the setup. The electronic service may take a full billing cycle to activate. You can also cancel this service using your online account, or you may contact our Customer Care Department with questions at 1-866-392-1860 Monday through Friday, 6:00 a.m. until 6:00 p.m. MT.