CarMax is a leading national retailer of used vehicles, well known for its transparent, customer-friendly car-buying experience. CarMax Auto Finance provides flexible, streamlined auto loan options, helping customers finance both new and used CarMax vehicles and—in select cases—refinance existing auto loans. Understanding your payment terms and options is key to keeping your auto loan in good standing, and CarMax makes the process easy with secure online account management, responsive customer service, and a range of payment methods.
https://www.carmax.com/car-financing/carmax-auto-finance
https://www.carmax.com/faq/making-payments
Login Process
- Go to the CarMax Auto Finance online portal to manage your CarMax Auto Finance account.
- Sign in to your account using your username and password. If you’re new to CarMax Auto Finance, you’ll need your CarMax Auto Finance account number (found in your welcome email or letter) and personal identifiers to register.
- Set up your MyCarMax account to receive and pay your bills online, track your payment history, and update your account information.
- If you’ve lost your login or need to reset your password, use the account recovery tools on the CarMax Auto Finance site.
Pay as Guest
- Guest payment (one-time pay): CarMax Auto Finance does not explicitly advertise a “pay as guest” option on its primary platform. All payments are typically handled through your MyCarMax account.
- Third-party bill payment services (such as doxo) may offer guest payments for CarMax Auto Finance, but these are not officially linked to CarMax’s secure, integrated billing system.
- If you need to make a one-time payment without registering or logging in, call CarMax Auto Finance customer service at 800-925-3612 for assistance with one-off payments.
How to Pay Online
- Log in to your MyCarMax account and navigate to the billing section.
- View your current balance, recent transactions, and payment due dates.
- Choose your payment method: bank account (ACH), debit card, or credit card. Note that some payment methods may have restrictions—ACH is generally the fastest, most reliable, and fee-free.
- Enter your payment amount. You can pay your monthly bill, pay ahead, or even set up recurring payments (monthly, bi-weekly, or weekly) for added convenience.
- Submit your payment. You’ll receive an immediate on-screen confirmation and a transaction email for your records.
- Update your saved payment methods any time for seamless future payments.
Pay by Phone
- Call CarMax Auto Finance at 800-925-3612 for assistance with bill payment. This line is generally available Monday–Friday, 8am–10pm, and Saturday, 9am–6pm Eastern Time.carmax
- Have your CarMax Auto Finance account number and preferred payment information ready for the representative.
- Customer service can answer questions about your account, clarify billing issues, and help with special requests like principal-only payments or loan payoff amounts.
Pay by Mail
- Mail a check or money order (do not send cash) to:
CarMax Auto Finance
P.O. Box 440609
Kennesaw, GA 30160 - Include your CarMax Auto Finance account number on your payment to ensure proper credit.
- Allow 7–10 mailing days before your due date to avoid late fees.
- For overnight or certified payments, use the physical address:
CarMax Auto Finance
Attn: Payoff Department
225 Chastain Meadows Court, Suite 210
Kennesaw, GA 30144
Pay in Person
- CarMax Auto Finance does not have public, walk-in payment offices at CarMax retail locations.
- All payments should be made online, by phone, or by mail.
- If you need in-person assistance for loan-related needs, visit your local CarMax store for guidance, but payments must still be processed through CarMax Auto Finance channels.
Address and Contact Information
- CarMax Auto Finance Customer Service: 800-925-3612 (Monday–Friday 8am–10pm, Saturday 9am–6pm Eastern Time)
- CarMax Corporate Address: 12800 Tuckahoe Creek Parkway, Richmond, VA 23238
- Online Account Management: https://www.carmax.com/car-financing/carmax-auto-finance
- Billing Support and FAQs: https://www.carmax.com/faq/making-payments
Operating Hours
- Online bill pay: Available 24/7.
- Phone support: Monday–Friday, 8am–10pm; Saturday, 9am–6pm Eastern Time.
- Mailed payments: Processed during regular business days.
Common Issues with Bill Pay and Troubleshooting
- Account registration or login issues: Use the account recovery tools on the CarMax Auto Finance site. If problems persist, call customer service.
- Late or missed statements: If you do not receive a bill, check your email inbox and spam/junk folder. If you still haven’t received anything, contact CarMax Auto Finance for a duplicate statement.
- Payment processing delays: Online and phone payments are processed instantly; mailed payments may take up to a week to post.
- Payment method changes: If your saved payment method expires or changes, update information in your MyCarMax account as soon as possible.
- Principal-only payments: To ensure excess payments reduce your principal, call CarMax Auto Finance and specify this request.
- Grace periods and late fees: Grace periods vary by contract and state law. To avoid late fees, make payments at least a week before the due date.
- Portal outages: If you encounter temporary access issues with the CarMax Auto Finance online portal, use alternate payment methods or call customer service.
Payment Plans, Financial Assistance, or Auto Loan Support
- Payment plans: CarMax Auto Finance offers several payment plan options. Once logged into your account, you can set up monthly, weekly, or bi-weekly recurring payments for ultimate convenience.
- Financial hardship assistance: If you are experiencing financial difficulty, contact CarMax Auto Finance as soon as possible. They may offer flexible due date changes, temporary payment extensions, or other accommodations on a case-by-case basis.
- Loan payoff: You can request a payoff quote at any time via your online account or by calling customer service. CarMax Auto Finance provides a payoff letter valid for a specific period.
- Service members: If you are a military service member, ask about Servicemembers Civil Relief Act (SCRA) benefits, which may reduce your interest rate during active duty.
- Billing disputes or itemized bills: Review your monthly statements in your MyCarMax account. If you find an error or need more detail, contact CarMax Auto Finance customer service for an itemized statement.
- Fees and interest: CarMax Auto Finance uses a simple interest calculation, so paying early reduces the total interest you pay. If you have questions about how interest is calculated, contact customer service for clarification.
CarMax and CarMax Auto Finance offer clear, flexible, and reliable bill payment solutions for auto loan customers. For the most consistent experience, set up your MyCarMax account, link your preferred payment method, and enroll in autopay for peace of mind. If you have questions about your bill, payment options, deferrals, or financial hardship, CarMax Auto Finance customer service is available to help—contact them directly for personalized support.
- https://www.carmax.com/faq/making-payments/if-i-finance-with-carmax-what-are-my-options-for-making-payments
- https://www.carmax.com/car-financing/carmax-auto-finance
- https://www.carmax.com/faq/making-payments
- https://www.carmax.com/payments/success
- https://www.doxo.com/u/biller/carmax-business-service-1C8247C
- https://www.carmax.com/car-financing/carmax-auto-finance/carmax-auto-finance-faq
- https://www.reddit.com/r/carmax/comments/1jk4xnd/why_cant_i_pay_with_a_debit_card/
- https://www.reddit.com/r/carmax/comments/1kjzpj5/cant_pay_bill_online_on_app_or_website/
- https://www.reddit.com/r/carmax/comments/yfqtki/for_those_financing_your_vehicle_through_carmax/
- https://www.carmax.com/faq/buying-a-car/can-i-buy-a-car-at-carmax-with-a-credit-card
- https://www.doxo.com/bill-pay/carmax
- https://www.carmax.com/faq/making-payments/when-is-my-first-payment-due
- https://www.carmax.com/faq/buying-a-car/when-is-my-down-payment-due
- https://www.carmax.com/faq/buying-a-car/how-do-i-pay-for-my-purchase
- https://carmax.com.ph/financing
- https://www.carmaxauctions.com/faq
- https://www.carmax.com/faq/making-payments/where-can-i-access-my-carmax-auto-finance-account
- https://www.carmax.com/car-financing/car-payment-calculator
