Customer Service

How can I take advantage of my available credit with Carmel Financial?
Carmel Financial customers, whose account is in good standing, have the ability to purchase name-brand items and add them directly onto their account. To view the items available or to place an order, click here to visit our CFC Superstore.
Can I pay my monthly payment with a debit card?
Absolutely. Carmel Financial accepts MasterCard or Visa; please Click here visit your Customer Online Portal to pay via card FREE of charge.
if you not set up your online account please follow this link Click here
I have recently moved. Who do I notify?
Please contact a customer service representative at 800-727-2987 and they will be happy to update your account
Can I have my monthly payment automatically deducted each month?
Yes, to save time and money, you can have your payment automatically deducted from your personal checking or savings account each month. To take advantage of this, please click here to visit your Customer Online Portal.
I received a letter and/or email my account is past due but I have yet to receive a bill, what do I need to do?
Contact our Customer Service Department at 800-727-2987 to ensure we have your correct address/email on file; but please understand that your payment is still due on the date shown on your contract whether your bill was lost in the mail or misplaced.
I have a question regarding my billing statement or my last payment?
Please log onto your Customer Online Portal and all your account information including payments received, due date, amount due and auto deduction information is located there
I and/or title company have questions regarding my account and payoff request?
If the loan was made prior to July 2016 please contact Aqua Finance at 800-234-3663; they will handle the request since the loan would have been sold to them as of July 2016.
I and/or title company have questions regarding a UCC1 fixture filing on my account?
If the original UCC1 fixture filling was filed prior to December 31st, 2017 please contact Aqua Finance at 800-234-3663, they will handle the request and the UCC1 for Carmel Financial.