Payment Authorization Terms and Conditions


For any questions or disputes related to the Portal or payments made through the Portal, please contact the C&F Finance Customer Service Department at 1-855-602-2001.

If you do not agree to this Usage Agreement, you may not use the Portal or continue viewing any account information. This Usage Agreement may be changed from time to time in our sole discretion. We may make changes to this Usage Agreement at any time by posting the changed Usage Agreement on this Portal, and all changed terms shall be effective immediately after they are posted.

By clicking the Accept button below, you agree to the terms of this Usage Agreement, including the following:

1. Each payment must be at minimum your contractual payment amount and for credit or debit card payments a maximum of $2,000.

2. You may make multiple payments to your C&F Finance Account at any time.

3. If your C&F Finance Account is current (less than or equal to 0 days past due), you may schedule your next payment up to 9 days in advance.

4. If your C&F Finance Account is past due (one or more days past the payment due date) you will not be authorized to schedule your payment in advance or postdate a payment. A payment must be authorized to run on the current day if your account is past due.

5. At minimum, you are required to pay one contractual payment amount to your C&F Finance account. To pay less than one contractual payment, please contact the C&F Finance Customer Service Department at 1-855-602-2001.

6. Any information that you disclose on this account including address, telephone number, and email address can be used by C&F Finance to contact you in regards to your account and possibly collect any debt owed to C&F Finance.

7. C&F Finance will charge an express payment fee of $15.00 (Per state law - Indiana contracts- $10.00; Missouri, Alabama, Georgia, Illinois, and Kentucky contracts - $4.95; Texas, Ohio, North Carolina, Florida, New Jersey and Pennsylvania contracts - no fee). If you wish to make a payment without paying a fee, mail a payment to PO Box 2129, Richmond VA 23219 or visit a C&F Bank location in the Virginia area to make a payment in person. A check, money order, MasterCard or Visa payment can be made at our main office, 1313 E Main Street Ste. 400 Richmond, VA 23219. Another no fee option includes scheduling a recurring payment arrangement online. This can be done by enrolling in our online website and becoming a registered user, and choosing the scheduled payment option when making a payment. C&F Finance accepts other payment options that also include convenience fees. C&F Finance accepts payment by MoneyGram. The Money Gram reference code is 4145 and you will need to have your C&F account number for MoneyGram to process your payment. Western Union Quick Collect is also accepted for payment. The Western Union city code is “Moore” and the Western Union state code is “VA”. You will need to have your C&F account number for Western Union to process your payment. If you have any questions or would like to talk to a live Collection Representatives, please call 1-855-602-2001 during standard business hours; Monday through Thursday 8:30am-8pm and Friday 8:30am-5:15pm Eastern Standard Time. By accepting the terms and conditions below you are acknowledging that you are aware of convenience fees attached to this payment and the other possible payment options available to make a payment.


8. You have an option of making a payment on the Portal as an electronic check (ACH), VISA debit, MasterCard debit, or MasterCard credit card payment. (If your account is deemed by C&F Finance to have too many NSF charges attributed by insufficient fund checks, then you will not be allowed to make an electronic check (ACH) payment.)

If you elect to make your payment to C&F Finance via electronic check (ACH):

9. You represent that the Bank Account information you provide when making a One Time Payment is an account from which you are authorized to make payments, and any payments you make using the Portal will debit that account. You should review the agreements you have with your financial institution that maintains your Bank Account for any applicable fees, for limitations on the number of transactions that you can make and for any other restrictions that might limit your use of the Portal.

10. You may cancel any scheduled One Time Payment made through the Portal by calling our Customer Service Department at 1-855-602-2001 prior to 3:00 p.m. Eastern Time on the same date the payment is scheduled to be made.

11. You represent that when you instruct us to make a withdrawal from or debit your Bank Account, there will be a sufficient balance in the account at the time we make the withdrawal or debit. If any payment is returned by your financial institution for any reason, we may charge your C&F Finance Account a returned check, processing, or insufficient fund fee as set forth in your retail installment sales contract or lease agreement and as allowable by state law.

12. If you do not have sufficient funds available in your designated account, we may at our option make another attempt to make a withdrawal from or debit your Bank Account. If we cannot process a transaction due to insufficient funds, you are responsible for making alternate payment arrangements in a timely manner. We are under no obligation to inform you if a payment is not completed due to insufficient funds.


If you elect to make your payment to C&F Finance via credit or debit card

13. You have an option of making a payment via Visa Debit, MasterCard Debit, or MasterCard Credit.

14. There will be a maximum amount of $2,000 for any debit or credit card payment.

15. Credit and debit card payments will be processed in real time, with the payment being accepted or declined after the customer submits the payment. If a payment is processed successfully, a confirmation number will be created confirming the payment was accepted. A customer should ensure that the payment was accepted and wait for a confirmation number to be produced. If a credit or debit card payment is declined for any reason, it is the customer's responsibility to create a new transaction or make alternate payment arrangements in a timely manner to fulfill their contractual obligation of loan repayment. It is not our obligation to inform you the credit or debit card payment declined, and unawareness of a declined online transaction will not excuse your contractual obligation in regards to your C&F Finance account.

16. You represent that the credit or debit card you have provided when making this payment is a card in which you are authorized to make payments, and any payment you make using this Portal will be processed on the card that you are using. C&F Finance will not be liable for any unauthorized transactions that you enter on this portal. You should review the agreement you have with your financial institution, VISA, or MasterCard for payment limitations or other restrictions that might limit your use of the Portal.