At Exeter Finance, we seek to demonstrate how much we value our customers through outstanding service. From this page, you may log into our system and make a payment, update your contact information, or find out your remaining balance. Don't have a customer account? Click here to register for one.

Credit Resources

We are committed to helping customers build good credit. In a relatively short period of time, it is possible to take a damaged credit history and turn it around. Through regular on-time payments, many of our customers will qualify for much lower rates either with us or another lender. The success of our consumers goes hand-in-hand with the success of Exeter Finance.

Your Credit Profile

Most lenders evaluate customers based on the FICO score, a credit model built by FairIsaac Corporation. This score is available on your credit bureau report. For more information on this score, visit www.myfico.com.

To view your credit report from all three credit reporting agencies, visit www.annualcreditreport.com.

To contact a specific credit reporting agency, click on one of the following links:

• Equifax - www.equifax.com
• TransUnion - www.transunion.com
• Experian - www.experian.com

Managing Your Credit

While banks and finance companies typically look at the FICO score, they also consider other factors. Following these basic guidelines will help to improve your chances of getting approved as well as your credit score.

• Pay Bills On-Time - The single biggest component of your score and credit decision is how you pay your bills. The more bills you pay on time, the more confidence a new lender will have that you will pay them.
• Keep Balances Low - Loan officers will likely look to see what your balances are as a percentage of your credit limit. Keeping your balances low shows that you can handle debt responsibly.
• Close Unused Accounts - Too many open pieces of credit sends up a red flag with many lenders. They are often concerned that you may overburden yourself, and become credit-stressed. It is wise to keep only those accounts you need. Hold on to your oldest accounts, as this demonstrates the ability to maintain credit over a longer period of time.
• Pay More Than the Minimum - In order to keep from being saddled with high interest payments indefinitely, you should pay more than the minimum required on revolving accounts.
• Keep a Budget - Many consumers who struggle with credit issues simply have no idea how much they are spending each month. Keep track of your expenses, plan a budget, and stick to it. You may be surprised how easy it is to eliminate unnecessary expenses and take control of your finances. Ideally, lenders want to see that customers have managed their expenses to less than 30-40% of their gross monthly income. The lower, the better.