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In order to ENROLL, SET UP, or CHANGE automatic payments, an authorization form will be required, along with your signature.

► We cannot set up or change your automatic payment information by phone.
► CLICK ABOVE  to view & download the autopay authorization form.
► RETURN THE FORM to us by email, fax, mail, or upload through the FORM BELOW.

What is the Automatic Payment Program? The Automatic Payment Program is a service from Universal Lenders LLC that allows you to make your payments automatically every month. Once you enroll we will automatically withdraw the payment from your checking or savings account, or charge it to your credit/debit card.

► When your due date falls on a non-banking day, we will process your payment the following business day.

► We will transmit your payment on your due date (or the following business day if weekend/holiday).  Due to bank clearing & float times, it may take an additional 1-2 days before the payment is reflected on your actual bank account.

► If any payment is declined, returned, dishonored or charged back, then you will be terminated from the Automatic Payment Program. You will have to re-enroll if you want to go back on automatic payments.

► You may discontinue Automatic Payments at any time; however you must notify us at least 1 business day in advance of a scheduled payment in order to stop it from running.  We will try to honor same-day requests but we cannot guarantee that requests made in the same day a payment is scheduled to run can or will be stopped.

► If your banking information or credit/debit card information has changed, or you wish to switch payment methods for your automatic payments, we will still require a new authorization form with the new information.

► In order for any changes to take effect for your next payment, you must return the new authorization form to us at least 1 business day before your next payment is scheduled to run.

► If you are unable to get a new form filled out and returned prior to your next payment, then you should request to cancel automatic payments in the meantime, so as to avoid possible return/NSF fees.

►If you do not cancel automatic payments and you do not return a new authorization form to us at least 1 business day before your payment is due, then your automatic payment may be run as scheduled using the banking/card information on file.  Universal Lenders will not be liable for any NSF or Overdraft fees your bank may charge you as a result of your failure to maintain your account, and furthermore your account may be removed from automatic payments and fees may be assessed if any payment is declined or returned unpaid by your financial institution.  See FAQ regarding DECLINED or NSF/RETURNED Payments.

► Filling out the above below DOES NOT submit your information to us. You must return the form (signed) to us.

► Be sure to list your name as it appears on your account with us, and your account number on the form, so that we know who you are and can look up your account.  If you do not know your account number, you may enter your billing address in the account number field, or contact us to obtain your account number.  We cannot process forms that do not have a name and either account # or address.

► We provide the above PDF form, which can be printed or filled out using PDF filler software or applications.  Most customers are able to do this on their phone or PC using any number of publicly available (free) apps.

► If printing, you can fill the form out by hand, and return the form electronically by either scanning it or taking a picture of it.  Be sure that your camera resolution is set to “best” or “highest” quality so that the image is legible to us.  Illegible (shrunken, pixelated, etc) forms may be rejected.

► If filling out the form digitally using a PDF editor, be sure to “Save” the file after entering information into it.  You must then upload or attach the saved version (containing your saved information) in order for us to process.

Unfortunately, due to the unlimited number of operating systems, apps, and devices that customers use, we are unable to provide technical support or assist you with your particular device or software.  If you are unable to utilize the form that we’ve provided below, you may contact us to have a form mailed to you, which you may fill out and mail back to us.  Otherwise we suggest contacting your local library, office supply or shipping store, or you may return to your dealer who can always assist you.

Universal Lenders offers the automatic payment program as a courtesy to those customers who don’t want to worry about making their payments every month.  This service and our ability to offer it depend on the very nature and definition of the word: “automatic.”  That is, simply, automatic payments need to run automatically.

We cannot postpone, delay, extend, or change any individual payment date. 

If your payments cannot run automatically on your due date, you should request to cancel automatic payments in order to prevent a payment from running.  At your option and request, at a later date, you can re-enroll in automatic payments by filling out a new authorization form.

Permanant Due Date Changes:

While we cannot change/postpone any single or particular payment date, if a certain day of the month works better for your regular payments, we may be able to modify and permanently change your due date to a different day of each month.  See our account service section regarding Due Date Changes to see if that option is available to you.

To CANCEL your automatic payments:

► CONTACT US to request that automatic payments be stopped.
► We will process your request upon receipt, and no further automatic payments will be drafted in the future.

► You may discontinue Automatic Payments at any time; however you must notify us at least 1 business day in advance of a scheduled payment in order to prevent it from running. 

► We will try to honor same-day requests, but we cannot guarantee that requests made in the same day a payment is scheduled to run can, or will, be stopped.  Unfortunately once a payment is released to the bank or credit card processor for collection, it cannot be reversed.

► If you decide to cancel your warranty, you must notify us to stop automatic payments.   Your agreements with Universal require you to notify us if you elect to cancel.  Pick up a phone… call us… send us a message…  We promise that we really don’t want to keep charging you for payments after you’ve decided to cancel, but we do not know that you’ve cancelled unless you tell us!

► Universal Lenders will not be liable for automatic payments that are processed without sufficient advance notice contrary to the above policy, nor will we be responsible for NSF or Overdraft fees that your bank may charge you in relation to any payment we process for lack of timely advance notice.

Universal Lenders will run your automatic payment as scheduled, unless you notify us at least 1 business day in advance of your request to cancel automatic payments.  (For payments due on weekends or bank holidays, the payment will be run the next business day).  Customers should make sure that funds are available on the payment due date.  We make no particular guarantee as to what time of day automatic payments will be ran, and we cannot make special accommodations for individual accounts.

If a payment is declined or returned/rejected for any reason, your account will be removed from automatic payments, and a $25 return fee will be assessed.

It is not our intent or purpose to cause you NSF or Overdraft fees, as the Automatic Payment Program is purely meant to be a courtesy and a convenience.  If being on automatic payments is likely to be a problem, we suggest that you cancel automatic payments and make payment on your account via alternative methods.

AFTER AN ACCOUNT IS REMOVED FROM AUTOMATIC PAYMENTS, if you wish to resume automatic payments, you will need to rectify the situation with your bank or card issuer and re-enroll in automatic payments by filling out a new authorization form.  

For your own financial protection and safeguards, we do not store or retain your banking information after an account is removed from automatic payments.  Our office and our staff cannot “just” put your account back on automatic payments, because we no longer have your banking information.  Accordingly, you must fill out, sign, and return a new authorization form if you want to be re-enrolled in automatic payments after being removed for declined/returned payments.

When you fill out an automatic payment authorization, you are directing and instructing Universal Lenders to withdraw payments using the banking information you provide to us.  Accordingly, if you instruct us to take a payment using your savings account, we will follow your instructions.  However:

► Federal Law limits you to 6 ACH withdrawals per month from your SAVINGS accounts
► Some financial institutions do not allow debits from a savings account.

If we process a debit to your savings account, and your financial institution returns it for any reason, please be advised that we charge a $25 fee for returned payments, as stipulated in your payment authorization.  You may wish to consider using your checking account instead, to avoid possible ramifications with your bank.  You can read more about Regulation D and the 6 withdrawal limit here: https://wallethacks.com/limit-6-ach-transfers-savings-account-rule/

You may fill out and Submit the form below to enroll in automatic payments, or you may upload the PDF version of the form (download from  above).

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Your account number with us starts with an "8" or "9" and is 9 digits. If you do not know your account number, be sure to include your billing address or phone # as listed on account below or we will be unable to lookup your account.
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Enter information on this form, or choose the Form Upload option to attach a PDF form that you've already filled out.
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AUTOMATIC PAYMENTS: By choosing an automatic payment option and providing banking or credit/debit card information, Buyer authorizes Universal Lenders LLC to initiate periodic electronic funds transfers, or recurring monthly charges, using the financial information provided, to satisfy the repayment of a promissory Note & Contract previously or concurrently executed (“Agreement”), attached hereto and made a part hereof. If the payment is charged to a credit or debit card, then Buyer authorizes Universal to increase each payment by a $4.00 convenience fee. Payments will be processed monthly on the due date, or as soon thereafter as commercially reasonable.

If any payment is declined, returned, dishonored or charged back, then Buyer will be terminated from the Automatic Payment Program. Buyer may discontinue Automatic Payments at any time; however Buyer understands and agrees that the failure to provide either 1) a minimum of 3 business days advance notice to terminate Automatic Payments, or 2) the required written notice of election to cancel, shall not constitute any undertaking or obligation by Universal to refund any payment(s) initiated by Universal prior to its receiving any notice contrary thereto, excepting that any such monies received will be credited to the Buyer’s account balance and will be refunded as described in the Agreement following an act of cancellation or overpayment.

This Authorization is meant to be received and processed before a payment is due – If we receive this Authorization while any amounts are past-due, then you authorize us to immediately initiate a payment for the entire past-due amount. If, after having made all of your scheduled payments, there remains any unpaid balance or arrearage due to Universal Lenders LLC (such as late charges, NSF fees or shortages from previous payments), then you authorize Universal Lenders LLC to make one final Automatic Payment for the entire remaining balance 30 days after your last scheduled payment.

RETURNED PAYMENT (“NSF”) CHARGE: Buyer agrees to pay a $25 return fee for any payment that is declined, returned unpaid or dishonored, for insufficient funds (“NSF”) or any other reason. Buyer agrees to pay a $50 return fee for any payment that is disputed by Buyer and charged back by the Buyer’s card issuer, if Buyer has failed to provide written notice of cancellation or revocation of payment authorization prior to Universal’s presentment.

By your signature below, you agree that the account information listed above is accurate and you are duly authorized to use the account for making Automatic Payment(s).