Resources to get you back on track

Frequently asked questions

Simplify your life with a few clicks

Making managing your account carefree.

Set up e-statements

It's good for you and the environment.

Set up auto pay

Say goodbye to late payments.

Customer portal

Find answers to customer portal frequently asked questions.

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What can I do in the customer portal?

It's a convenient way for our customers to access their Sheffield account(s) online. 

From the portal, you can:

  • Sign up for e-statement
  • View up to 12 months of statement history
  • Sign up for auto pay using a checking or savings account 
  • Make one-time payments using a bank account (checking or savings) or debit card
  • View and print account history
  • Review account balances and next payment due dates
  • Send us a secure message. We'll respond within 72 business hours.

Is accessing my account online safe?

We use a secure server and encryption technology. It's your responsibility to maintain security of your log in credentials including your account number, ID and password.

Is there a charge to use the portal?

No. There's no cost.

How do I sign up for the customer portal?

Signing up is simple. Enroll nowfor the customer portal to create a username and set a password. You'll need your Social Security number and Sheffield account number.

Can I use letters and numbers for my username?

Yes. Your user ID must be between 6 and 12 characters. It can't contain any special characters or symbols.

Can I use letters and numbers for my password?

Yes.  However there are a few requirements for passwords.

  • It must be 7 to 12 characters long
  • It can't be the same as your Social Security number
  • It can't be the same as your user ID

How do I access my account the first time?

After enrolling, use the customer log in button at the top of our website to access your account.

Why won't the customer portal accept my account number?

Use the account number provided on your welcome letter or from your monthly billing statement. Be sure that you're entering your account number without any hyphens, punctuation or leading zeros.

I set up my account, logged in and was restricted access. Why?

The safety and security of your personal information is important to us. Once you enroll for online access, we'll review your credentials to validate your accounts are properly linked to your loan profile. If any of the information didn't validate, the system will restrict access. If this occurs, please contact us for assistance.

What if I forget my password?

From the customer log in screen, select Forgot Password? You'll be asked to enter your user ID, email address and billing statement address ZIP code. Your password will then be emailed to you. You can also call us for assistance. 

How do I change my password?

To change your password, log in to your account, then go to the Update Profile menu and select Change Password. You'll be prompted to enter your old password and to type a new one. If you don't know your existing password, refer to the "What if I forget my password?" FAQ.

Is there a limit on the number of transactions I can make?

No. You can perform as many transactions as needed.

What if I am unable to log out of my account due to an unexpected interruption?

As soon as you're able to re-access your account, you should verify any transactions you may have attempted were completed by reviewing your account history and balances. You can also contact us for assistance to avoid the possible duplication of transactions.

What if I forget to log out of my account?

The system will close your session after 15 minutes of inactivity. 

Auto pay

Find answers to auto pay frequently asked questions.

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How does auto pay work?

Once you enroll, we'll automatically deduct the monthly payment from your designated bank account on your draft date each month or up to 9 days before your actual due date. 

Why should I enroll in auto pay?

You'll no longer have to write a check each month for your loan payment, and you’ll have peace of mind knowing that your payment is being made automatically, on time and through a secure method.

Does auto pay cost anything?

There's no charge to enroll in or use auto pay.

How can I set up an auto pay payment?

You can set up an automatic monthly draft to debit your bank account on or before your due date by logging in to our customer portal.

Allow 1 business day prior to your requested draft date to process your request. There is no fee with this payment option.

How close to my payment due date can I set up auto pay?

When you enroll through our customer portal, you can set your account up 1 business day prior to your requested draft date to process your request to help ensure your payment isn't late.

What happens if I my bank account number changes?

To avoid late payments, you can easily and securely manage your auto pay account information by logging in to the customer portal.

Can I set my draft up for more than my monthly payment amount?

Yes. You can set your draft for amounts above your minimum monthly payment and you can change the amount any time up to 1 day prior to your draft date. Be sure to designate the additional amount as a principal payment through our payment portal.

How do I cancel or change my auto pay?

You can make all changes to your auto pay through the customer portal. To cancel auto pay, you can contact our office at 888-438-8837.


Find answer to payment frequently asked questions.

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What are my payment options?

You have a variety of payment options for your convenience.

How much of my payment is applied towards interest?

Each payment is first applied to any other charges, including late charge, then to interest accrued, then to the unpaid balance of the principal. Late payment or irregular payments may increase the amount of fees or interest charged.

Interest is calculated from the date the last payment was received until the posting date of the next payment received and the amount applied to interest is greater early in the loan term. 

How do I find the year-to-date interest for my loan?

When you log in to your account, the year-to-date interest can be found on the Account Snapshot screen.

Where can I locate my payment due date?

When you log in to your account, your payment due date can be located on the Account Snapshot screen, or on your e-statement or paper statement. 

If I make a payment online, will it be applied to my account the same day?

Yes. One benefit of paying through the customer portal is that your payment will be credited to your loan immediately, even weekends and holidays.

I received an error message when making a payment. What should I do?

If you receive an error, don't re-submit the payment. This may cause a double payment. Please call us during normal business hours should you encounter an error code.

Will I receive a receipt for my transactions?

Yes. You'll receive a confirmation number for your payment. You can also verify transactions by checking your account balance history.

How can I verify if a transaction was applied to my account?

You can verify transactions by checking your account balance history.

Can I reverse a transaction if I make an error?

It's important to review all transaction details prior to submitting payments because they can't be reversed. If you made a payment in error, please contact your financial institution and have them cancel the transaction immediately before it clears your bank account. Returned items may result in fees from Sheffield in accordance with your loan agreement.

What if I submit a debit card payment?

If you submit a debit card payment please be aware that your funds are held at your financial institution as pending even if your transaction is declined. Your bank may hold the funds as "Pending" or pre-authorized for up to 10 business days. Sheffield is unable to assist in releasing the hold on funds at your financial institution

How can I get an amortization schedule?

Contact us at 888-438-8837 to request a copy of the original amortization schedule.


Find answers to e-statement frequently asked questions.

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How do I choose to receive e-statements?

You can choose e-statements by logging in to your customer portal account on the Account List screen by selecting Update Profile then E-Statements.

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You can log in to your account and change your statement preference any time.

How do I view e-statements?

Once you enroll in the customer portal and e-statements, you can view e-statements for your account(s) as a PDF.

How do I stop the e-statement reminder from popping up after I log in?

To stop the e-statement reminder from popping up, you must select either Yes or No on that screen. If you select Remind Me Later, the message will continue to occasionally show up after log in.

Why does the e-statement reminder continue to pop up even after I have signed up for e-statements?

This means that you selected the Remind Me Later option for the e-statement reminder. The next time this reminder pops up select Yes and this will stop the reminder from popping up.

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Note for Joint Account Clients: If your account is held with another borrower, one of you may consent to receive disclosures electronically and that person's election to receive Communications in electronic form shall apply to all account owners. We'll then send the notice regarding the availability of Communications to the e-mail address provided at the time of enrollment to the e-statement service. If we have differing email addresses for each borrower, each will receive the notice regarding availability.

New loan applications

Find answers to new loan application frequently asked questions.

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I'm a current customer. Can I apply for new loan through the customer portal?

No. You'll need to submit an application online(opens in a new tab), or you apply through the dealership from which you're purchasing equipment. If you've any questions about the new loan application process, please contact our loan processing at 800-438-8892, option 1.

Can I check on the status of my loan application through the customer portal?

No. To check the status of your application, please contact by calling 800-438-8892 or emailing

Credit disputes

Find answers to credit dispute frequently asked questions.

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How do I dispute a mark on my credit report?

To initiate a dispute, mail your dispute in writing to:

Sheffield Financial Credit Disputes
PO Box 25127
Winston-Salem, NC 27114

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Alternatively, you may complete a CDV (Consumer Dispute Verification) form and submit it through the respective credit bureau. If you prefer, you may call the bureau to initiate a dispute.

When submitting a dispute, please include your account number, name, address, telephone number and the specific information that's being disputed, an explanation for the basis of the dispute and provide any supporting documentation that substantiates the basis of the dispute.

Cardholder agreement

Find answers to card holder agreement frequently asked questions.

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Where can I find information about the loan APR and fees?

You can find information about annual percentage rates (APR) and fees on our cardholder agreement.


Find answers to titles frequently asked questions.

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Does the way I pay my loan off affect how long it will take for me to receive my title or lien release?

Yes. When a loan is paid with personal funds (ACH, Debit Card, or Personal Check) title/lien releases are sent approximately 10 business days to the address on file. For immediate release, your loan will need to be paid with certified funds (Certified Bank Check, Money Order, MoneyGram, or Western Union). The title/lien release will be sent within 5 business days to the address on file. If Sheffield Financial maintains a paper title in office, you may pay an additional fee of $35 to have your title/lien release overnighted to you.

Please note: If the state in which the collateral is titled files electronic titles, overnight delivery is not an option. Upon payoff, Sheffield Financial will notify these states to release the lien electronically. The title will be sent to you directly from the state and processing times may vary.

Instructions for MoneyGram and Western Union payments can be found here.

If paying with certified funds where should I mail the pay-off to?

  • Regular Mail:
    Sheffield Financial
    P.O. Box 25127
    Winston-Salem, NC 27114
  • FedEx or UPS:
    Sheffield Financial
    101 N. Cherry St. Suite 410
    Winston-Salem, NC 27101

If paying with certified funds for expedited release of title and/or lien, include instructions stating: “Paying in full with certified funds for immediate title/lien release.”

I have paid off my loan. When will I get a title?

If your title is maintained by Sheffield Financial or you live in a state where customers hold the title, the title/lien release will be sent within 5 business days when paid with certified funds or 10 business days when paid with personal funds. If your title is held electronically with your state the release time is the same as above but the processing time may vary by the State.   

Some states like Florida and Arizona will not generate a lien-free paper title when the electronic lien is released by Sheffield Financial, they require the customer to request the paper title from a local motor vehicle office in the state. 

How do I know what type of title I will receive?

It is best to contact your DMV for details about your specific state or you can contact us at for assistance

What should I do if I paid off my vehicle and have not received my title or lien release?

It may take 20 to 30 days for receipt of your title based on mail time and/or motor vehicle agency process. If you have paid off your unit and have not received your title or lien release, please e-mail for assistance. Please include your account number or collateral VIN number in the subject line.

How can I obtain a lien release if I lost my title?

If you have lost your title please e-mail and include your account number or collateral VIN number to request a lien release. A lien release is a notarized document stating we no longer hold a lien on the unit, you will turn it into the state and they will issue you a clear title. 

I moved to a new state, how do I re-register and change my title?

Sheffield Financial will need the DMV to send us an out of state request form for the title. This form can be faxed to 888-707-3036 or email:

Is it possible to add a name to the title?

Anyone listed on the contract such as co-borrower may be added by e-mailing us at


For any additional title questions please e-mail for the quickest response and include your account number or collateral VIN in your subject line. You can also contact us by phone at 888-438-8837 Option 2.