Please see the sections below or use the search feature to find answers to questions about Mechanics Bank Auto Finance and managing your auto loan.

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For Consumers - General FAQs

Viewing your monthly statement has never been easier. When you sign up for eStatements, you receive:

  • 24/7 access to your eStatement
  • Environmentally friendly statements that require no paper
  • Easy to read electronic statements that are printable in PDF
  • Immediate delivery of eStatements vs. snail mail
  • Safe and secure electronic statements that cannot be lost in the mail
  • Access to an archive of past monthly statements

To enroll in eStatements, simply log into your account at myaccount.mechanicsbank.com and navigate to the My Info page to update your preference for eStatements.

At this time, enrollment for eStatements is only available by registering on our website or the Mechanics Bank Auto Finance mobile app.

Using your electronic statement for mailing in your payments may cause a delay in processing. For other payment options, please see the additional payment options listed here or call us at 1-855-272-2886 or email your request to customerservice@mechanicsbank.com indicating your Name and Account Number.

eStatements are delivered approximately 2 weeks before your scheduled due date.

Mechanics Bank Auto Finance issues a monthly statement. The statement typically arrives approximately two weeks prior to your payment due date. You can also enroll in Electronic Statements by registering on our website at www.myaccount.mechanicsbank.com or via the Mechanics Bank Auto Finance mobile app.

Extensions may be granted if certain account criteria are met. To request an extension, please call us at 1.855.272.2886

A Due Date may be changed once over the life of a loan.

To request a due date change, please email your request to customerservice@mechanicsbank.com. Please include your Name and Account Number with your request.  Please include the day of the month you are requesting. 

Please note: A due date may be changed to the following due dates: 2nd, 3rd, 4th, 14th, 15th, 16th or 17th. 

For Consumers - Online Account Management & Login

Please go to myaccount.mechanicsbank.com to log in and make payments or manage your account.

When calling Mechanics Bank Auto Finance (1.855.272.2886) you will need your 11-digit Mechanics Bank Auto Finance account number, or any phone number associated with your Mechanics Bank Auto Finance account AND the last 6 of the social security number associated with the phone number.

Example:

  • 7-Digit Account Number – 1234567
  • 11-Digit Account Number – 12345671001 (just add 1001 to the end of your 7 digit account #)

When registering on myaccount.mechanicsbank.com or via the Mechanics Bank Auto Finance mobile app, you will need your 7-digit Mechanics Bank Auto Finance account number, the last four digits of the primary account holder’s social security number, and the primary account holder’s zip code.

At this time, only the primary account holder can register an account on-line. To update contact information for the co-borrower, please call 1.855.272.2886.

The registration will only recognize the zip code from the primary borrower’s physical address.

You can add accounts using the My Accounts tab once you have successfully registered on our website.

At this time, you can only change your physical address online.

If your mailing address and physical address are the same, your statements will go to the physical address.

If you have a different mailing address you would like to use, please contact us at 1.855.272.2886 to update your information.  

Once logged into your Mechanics Bank Auto Finance account, click on the “My Info” tab, scroll to the bottom of the page and click on “Communications and Terms”. Select the options you would like to opt-out of from the presented menu.

If you are locked out of the website or mobile app:

  • Website: myaccount.mechanicsbank.com
    • Click on the “Forgot Username/Password?” Link.
    • Enter your Username or Email and Account Number.
    • A reset email will be sent to the primary email address associated with the on-line profile
      • Please allow up to 5 minutes to receive.
      • Please check your spam or junk folder
  • Mobile App:  Access the MechanicsBankAutoFinance application
    • Password Reset:
      • Click on “Sign In”
      • Then Click on either “Forgot Password”.
      • Enter your username, then click “Send Email”.
      • A reset email will be sent to the primary email address associated with the on-line profile
        • Please allow up to 5 minutes to receive.
        • Please check your spam or junk folder
    • Forgot User Name:
      • Click on “Sign In”
      • Then Click on either “Forgot Username”.
      • Enter your email (associated with your on-line profile) and enter your 7-digit account number
      • Then click “Send Email”.
      • A reset email will be sent to the primary email address associated with the on-line profile
        • Please allow up to 5 minutes to receive.
        • Please check your spam or junk folder

If an email is not received please contact us at 1.855.272.2886

For Consumers - Payment FAQs

  • Auto Pay - Never forget to make your monthly payment again! Auto Pay automatically transfers funds from your checking or savings account each month to make your monthly payment. Your payments are on time, every time. It’s fast and easy to enroll: Simply log onto your account at myaccount.mechanicsbank.com and navigate to the Payment Center tab to setup your recurring payment schedule.
    • NOTE:  If you set up your recurring payment today, it will not draft for the existing installment if already due or due within 3 business days
      • To ensure the accuracy of your information and due to bank processing schedules, the processing time can take up to 48 hours
      • Please double check your account for processing before you submit a 2nd payment
      • Please call 1.855.272.2886 if you have any questions regarding when the payment will be withdrawn
  • Pay Online - If you are registered on myaccount.mechanicsbank.com or the Mechanics Bank Auto Finance Mobile App, you can make one-time payments or setup automatic payment.
  • Pay by Mail -To make a payment by mail please send a check or money order to: Mechanics Bank PO BOX 25085 Santa Ana, CA 92799-5085 Please include your account number on the form of payment.
  • Pay by Phone - By calling 1.855.272.2886, you can make a one-time payment by phone. A money transfer fee may be charged per transaction and the amount of the fee will be disclosed to you prior to making your transaction.
  • Pay by Text -To make a payment by text, register your account online at: https://internet.speedpay.com/MechanicsBank/, A money transfer fee may be charged per transaction and the amount of the fee will be disclosed prior to making your transaction.
  • Pay in Person - Payments are accepted at Mechanics Bank branches in California, however, we do not accept payments at our Mechanics Bank Auto Finance locations. When making a payment in a branch, please have your account number available. Find the nearest Mechanics Bank branch
  • Principal Only Payments - Principal only payments can be made by mail, phone call or in a Mechanics Bank Retail Branch:

     

    • Mail payments only to: Mechanics Bank Auto Finance, 2495 Village View Drive, Suite 190, Henderson, NV 89074.

    • Include your Mechanics Bank Account number when making a principal only request by mail or when visiting a Bank Branch.

    • Include  Instructions on how to apply funds when mailing your request. Example: Total enclosed is $3,000. Please apply $2,500 to Principal and $500 to June installment.

    • Account must be current to apply a principal only payment.

  • Other Payment Options – You can make payments online or in-person via Western Union and MoneyGram.
    • Western Union: Pay at any Western Union location using your account number, Code Cite and Code State when locating the nearest Western Union location. A money transfer fee may be charged per transaction and the amount of the fee will be disclosed prior to making your transaction. 
      • Code City: MBAUTOFINANCE
      • Code State: CA
    • MoneyGram: Pay at any MoneGram location using your account number and Receive Code when locating the nearest MoneyGram location. A money transfer fee may be charged per transaction and the amount of the fee will be disclosed prior to making your transaction. 
      • Receive Code: 8288
    • Please call us at 1.855.272.2886 to provide your transaction code for tracking once you have made your payment.

Unfortunately, not at this time. We apologize for any inconvenience this may cause you. However, you may be able to set up an alert with your bank when a withdrawal is made. Please contact your financial institution to see if this service is available.

Recurring ACH can be cancelled on our website or mobile app by navigating to the Payment Center, Recurring payments section.

The cutoff for your payment to be posted same day is 7:00 PM PST Monday through Friday, and 4:00 PM PST Saturday and Sunday.

Yes, but there is a maximum combined amount of $2,999.99, or two times your regular monthly payment, whichever is greater, that can be applied in electronic payments to your account in a 30 day period. For additional payment options, please call us at 1.855.272.2886.

At this time we are unable to cancel a payment once it is submitted.  Please contact us at 1.855.272.2886 if you have questions regarding a payment you submitted.

You may also contact your banking institution for possible other options.

To cancel an existing payment, please call us at 855.272.2886. See details below.

Debit Card Speedpay Payments - payment is submitted immediately and cannot be cancelled

Checking Account Speedpay Payments - please provide your routing and account number and you have the option to cancel the payment prior to close of business for that specific day (business hours vary)

ACH (Automatic Clearing House) Payments - Changes to or cancellation of ACH payments require 3 calendar days. If you cancel your existing recurring ACH, you must wait 3 calendar days to restart it.

Based on individual account status, on-line payment options may be restricted.  If you are having trouble making a payment online, please call us at 1.855.272.2886, or refer to our payment options listed here

At this time, your final payment will not be automatically withdrawn.  You may make your final payment in the following ways:

  • Online at myaccount.mechanicsbank.com with a one-time ACH 
  • By phone with Customer Service at 1.855.272.2886 (there is no fee for this service)
  • Bill Pay through your financial institution - you can set up a one-time payment through your bank using Bill Pay services

For Consumers - Payoff FAQs

At this time, you cannot pay off your account online; however, you can obtain an estimated payoff amount and instructions on how to process that payoff by signing into myaccount.mechanicsbank.com and visiting the Get a Payoff tab, via the Mechanics Bank Auto Finance Mobile App, or by calling 1.855.272.2886.

Payoffs can be made by check or certified funds (cashiers check or money order) only. Please send the check or money order payable to Mechanics Bank to the address below. Remember to fill in all sections and write the account number on the check or money order. Do not send cash or wire transfer.

Payments can be mailed to: 

Regular Mail 
Mechanics Bank
PO Box 98541
Las Vegas, NV 89193

Overnight Mail  - No walk-in service available at this location
Mechanics Bank
2495 Village View Drive, Suite 190
Henderson, NV 89074

Since a payoff letter is not currently available on the website, you can request a payoff amount and print the information displayed on the screen.  If you require a letter, you can request it by calling us at 1.855.272.2886 or sending an email to customerservice@mechanicsbank.com with the following information: 

  • First and Last Name on the Account
  • Full Mechanics Bank Auto Finance account number
  • Note: You must use the email address associated with the account to send this request to ensure delivery of the payoff letter

This is not available on the website or app at this time. Please wait 30 days from date of payoff posting to your loan before requesting a paid in full letter. Paid in full letters are mailed when the title is released and title release times vary by state. If after 30 days a letter has not been received, please contact us at 1.855-272-2886 or email your request to customerservice@mechanicsbank.com. Please include your first and last name, account number and a contact number with your request.