Cars Financial

Providing excellent solutions for every step of your financing process from start to finish since 1994.

If you are having trouble making your payment, please call or text us at 877-332-0773, or email us at customerservice@carsfinancial.net.

Important Notice: Effective April 1, 2021 All Web, IVR, Mobile App, Text, and Call in payments will be charged a $4.95 processing fee. Please note to avoid the $4.95 processing fee you can set up the account for autopay, mail your payments to Cars Financial PO Box 630 Christiansburg VA 24068, or place in our drop box located on the side of our building.

Frequently Asked Questions

Yes, there is a $4.95 processing fee for ACH and card transactions. To avoid this fee you can set your account up for automatic withdrawal, drop the payments in the drop box on the side of the building, or mail your payment to Cars Financial, P.O. Box 630, Christiansburg, VA 24068.

Our lobby is currently closed however we can be reached via phone 877-332-0773 Monday through Friday 9 AM to 5 PM.

Yes, we report to Equifax and Transunion monthly.

Yes, if you need assistance with your Passtime device after business hours you can reach Passtime 24/7 at 1-800-865-3260.

The payments are due on the due date, there is no grace period; however, accounts over 7 days past due are assesed a 5% late fee.

No, the reports are pulled throughout the day and posted. Should a payment be paid after business hours it will be posted on the following business day.

Our fax number is 540-381-8432.

Yes, please text us at 1-877-332-0773.

Our physical address is:

120 Bristol Drive, Christiansburg, VA 24073

Our mailing address is:

P.O. Box 630, Christiansburg, VA 24068

Yes, Shelor Insurance Group has several companies we work with and would be happy to quote you insurance today. Please call 877-332-0773 to request an insurance quote.

You must carry full coverage insurance on the vehicle at all times. Comprehensive and Collision deductibles must be set at $500 or less and Cars Financial must be listed as the lienholder on the vehicle.

Please call the office at 877-332-0773 and speak with a representative who can discuss options with you and get the appropriate form out in the mail for you to and return.

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Contact Us

(540) 381-8417

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2260 Roanoke Street • Christiansburg, VA 24073

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Today's Hours:

Open Today! Sales: 9am-8pm

Open Today! Service: 7:30am-6pm

Open Today! Parts: 8am-5pm

Shelor Motor Mile 37.1367469, -80.365256.