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SETF.com is built with you in mind—to answer your auto financing questions and make your online experience quick and efficient.
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Show All FAQs
All payments we receive are posted as set forth in your retail installment sale contract. Payments are applied first toward accrued and unpaid interest, then to your principal balance and, finally, to any unpaid late charges or other charges, such as returned check fees.
If you make all your monthly payments before your scheduled due date, you will pay a lesser amount in interest over the term of your contract than what is disclosed in your contract. By making all your payments before they are due, you will save on the amount of interest charged on the payments. Additionally, any amount you pay over your scheduled payment amount and by your due date will reduce your principal balance on which the daily interest is charged.
You may view only your last three (3) statements online. Please print and/or download your statements for your records.
You can update your address, phone number and other contact information on SETF.com. Log in to your account, and change your address and phone. You can also use the form on the back of your monthly statement.
If your name is not current, please send or fax us a copy of your driver's license. If your name has changed, please send or fax us a copy of the document showing your new name (such as a copy of a marriage certificate or the divorce decree, etc.).
Please refer to the General Inquiries contact information in the left column of this page for our mailing address or fax number.
In order to change your bank information, please follow these simple steps:
1. Log in.
2. Go to "Payment Center."
3. Click on "Pay Online Now."
4. When you get to the payment screen, click "Continue."
5. Next, click on the drop down box next to "Select Payment Type." This will give you the option to select another method of payment.
6. Select the "Electronic Check" option and enter your new bank information to process your payment.
Contact your local Department of Motor Vehicles office or tag agency for the necessary paperwork to complete and send to our office. You must send us the paperwork, title fee and certified copy of your marriage license or divorce decree. Upon receipt of all required documents, we will send the original title to the state to process the name change.
Please refer to the Registration & Title Requests contact information in the left column of this page for the appropriate mailing address.
Please check with your local Department of Motor Vehicles office or tag agency for information on the necessary paperwork. The required documents and procedures may be different depending on whether you have a lease or you purchased your vehicle. If a Power of Attorney or other information or documentation is needed, please contact us. If the original title is required, the Department of Motor Vehicles must provide the request to us in writing.
Please refer to the Registration & Title Requests contact information in the left column of this page for the appropriate mailing address.
Our contracts prohibit the removal of your vehicle from the continental United States except to Canada for a period of 30 days or less. Please refer to your contract for specific information. If you need further information, please contact us.
Please refer to the General Inquiries contact information in the left column of this page for our phone number.
If BOTH your Account Number and Routing Number have changed, please download and complete the Automatic Payment Program form. Please be sure to include a voided check with your request.
If only your Account Number has changed, please download and complete the Automatic Payment Program form. Please be sure to include a voided check with your request.
If only your Routing Number has changed, please contact us to provide new information.
Please note: You can cancel your automated payment by contacting Customer Service.
Please contact us.
Please have your claim number and other insurance information handy.
Please contact us for instructions on how to submit proof of your completed repairs. In most cases, we must endorse any insurance checks to pay for the repairs.
Your lease agreement requires the following limits:
Liability - $100,000
Bodily Injury - $300,000
Per Incident Property Damage - $50,000
Or
Combined single limit of $500,000 for Bodily Injury and Property Damage for any one accident.
Comprehensive and Collision - maximum of $1,000 deductible each
Please refer to your Lease Agreement for further information on your insurance requirements.
You are required to have physical damage coverage. Refer to your contract for more information.
As the lienholder, we have a security interest in your vehicle and on any insurance claims that may be paid during the term of your contract. If you leased your vehicle, a leasing company is the owner of a leased vehicle, and is listed as the Loss Payee on your policy. This is to ensure the proceeds from insurance settlements are used to repair damages to the vehicle.
The "Additional Insured" clause affords the leasing company protection under the liability section of the insurance policy.
The Loss Payee and Additional Insured sections of your insurance policy should read:
“VT Inc. as Trustee World Omni LT”
The mailing address for all policies is:
Insurance Tracking
PO Box 390903
Minneapolis, MN 55439-0903
The Lienholder information should be listed as follows:
World Omni Financial Corp.
PO Box 9249
Mobile, AL 36691
World Omni Financial Corp., d/b/a Southeast Toyota Finance, individually and as servicer, and VT Inc., as Trustee of World Omni LT, each has assigned all of its rights (but not its obligations) with respect to the sale of a vehicle to WOFC QI Exchange LLC, acting as qualified intermediary.
No. A leasing company (VT Inc. as Trustee World Omni LT) is listed as the owner of the leased vehicle. Taxes are assessed based on your local property tax rates, and we as the Lessor are responsible for paying that tax.
The SCRA protects active duty military, Reservists, and members of the National Guard while on active duty. For more information, please contact Customer Service.
Under the SCRA program, you may be eligible for a reduced interest rate of 6% on your vehicle installment contract. If you interest rate is lower than 6%, your interest rate would not change. For more information, please contact Customer Service.
For more information about terminating your lease, please contact Customer Service.
You must send a copy of your service orders with a letter requesting the rate reduction. Please be sure to include your account number with the information. You may fax the information to 314-702-4955, or mail to:
Southeast Toyota Finance
Attn: Specials Department
3120 Rider Trail South
Earth City, MO 63045
Your vehicle retail installment contract prohibits the removal of the vehicle from the continental United Stats (except Canada) for a period of 30 days or less. Please refer to your contract for specific details. If you need further assistance, please contact Customer Service.
The MAC allotment form may be obtained here. Please contact us for assistance in filling out the form with the proper information.
Not registered on SETF.com yet?
Sign up for paperless statements during the second step of registration.
1. Check the box next to "Email Notifications."
2. Select "Go Green."
3. Complete your registration process.
Already registered on SETF.com?
Update your existing account(s):
1. Log in.
2. Go to "My Account."
3. Click on "My Profile."
4. Choose "Paperless Options."
5. Check the box for "Email Notifications."
6. Mark the "On" button next to the account(s) you want to make paperless.
7. Click "Submit."
Remember, at any time you can:
- Print your online invoice or statement.
- Cancel your paperless option and resume receiving printed statements.
Save time and money by making a payment online.
1. Go to "My Account."
2. Select "Pay Online Now."
If you choose to send your payment by mail, be sure to write your complete account number on your check.
Your request may require up to one (1) month to take effect.
You will receive an email notification.
If you are enrolled in the Automatic Payment Program, we have already discontinued mailing your statements.
Go to "Paperless Options" and check the "Email Notifications" box.
After one (1) month, you may view your statements online by following these simple steps:
1. Log in.
2. Go to "My Account."
3. Select "Payment Center."
4. Click "View Statement."
If you cancel your enrollment in the Automatic Payment Program, you will be mailed paper statements until you update your preference(s) under "Paperless Options."
You can cancel your paperless statement preference at any time by following these simple steps:
1. Log in.
2. Go to "My Account."
3. Click on "My Profile."
4. Choose "Paperless Options."
5. Check the box for "Email Notifications."
6. Mark the "Off" button next to the account(s) you would like to update.
7. Click "Submit."
Please Note: Your request may require up to one (1) month to take effect.
Yes, you can make a payment online with no convenience fee. Simply log in to your account and choose the Online Payment option. You can enter your bank information or you may be able to select an account that you have used in the past to make a payment to us. To change your checking account information, see "Updating Your Account Information" above. Finish the payment process and receive your confirmation. Your payment should be viewable on your payment history within three (3) business days, and it will be shown as being credited to your account as of the date it was submitted.
Your payment should be viewable on your payment history within three (3) business days, and it will be shown as being credited to your account as of the date it was submitted.
Yes, we offer an automated payment program so your payment is automatically transferred from your financial institution every month. You can set up automated payments by downloading and completing the form on SETF.com. When you pay off your account or sell your vehicle, you are responsible for telling us to stop your automated payments. At that time, please contact us. Please Note: In order to view your statements online, you must check the box for "Email Notifications."
Yes, you may send your check, cashier’s check or money order by mail. Please make sure to put your account number on your check.
Yes, please visit the local MoneyGram® or Western Union® location to make your payment through one of these convenient services. Bring your account number. Please be sure to ask about any service fees you may be charged.
- For MoneyGram®: Provide the agent with the required code; Receive Code: 2156. To find a MoneyGram® location near you, please visit http://www.moneygram.com or call 1-800-MONEYGRAM.
- For Western Union®: Provide the agent with the required codes; CODE CITY: OMNI, STATE CODE: AL. To find a Western Union® location near you, please visit http://www.westernunion.com/ or call 1-800-325-6000.
Please fax or send us a copy of the front and the back of the cancelled check so we can research the missing payment. <st1:place w:st="on">Please refer to the General Inquiries category in the left column of this page for our mailing address or fax number.
Our contracts do not provide for a late charge until a specified number of days after the due date. The payment must be posted to the account within that period to avoid a late charge. Please review your contract to verify the number of days before a late charge is assessed.
We do not allow payments to be scheduled in advance. To have your monthly payment conveniently deducted from your bank account, sign up for our Automated Payment Program.
You are able to request a payoff quote via SETF.com. Please log in to your account to Request a Payoff Quote. You will be provided with a payoff quote and instructions on where to mail your payoff amount.
You may also call our 24-hour automated phone system. Please have your account number available. You will be provided with the payoff amount and will also be given the option to have it faxed to you. Instructions on where to mail your payoff will also be provided.
Additionally, your monthly statement includes your payoff amount and payment instructions. Please read the front and back of your statement or invoice to get complete information. Please refer to your Retail Installment Contract or Lease Agreement for further information on the calculation of your payoff amount.
Your lease agreement discloses the number and amount of your lease payments. Your lease terminates one month after your last monthly payment is due. For example, if your last monthly payment is due January 15th, your lease termination date would be on February 15th.
Log in for details on your auto finance account.
Payoffs are usually quoted without deducting your security deposit. Your security deposit will be returned to you after we have received your payoff check and processing has been completed, which could take up to 14 business days. If a dealer is paying off your account as part of the purchase or lease of another vehicle, this process can vary. For additional detail, contact us by phone. Refer to the Payment Inquiries category in the left column of this page for our toll free phone number.
Please read the back of your monthly invoice for details, or log in to check out SETF.com's Lease-End section. The procedures differ depending on whether you are turning in your vehicle or purchasing it.
Payoff funds can be mailed to:
Standard Delivery
Southeast Toyota Finance
Lockbox #8881
PO Box 8500
Philadelphia, PA 19178-8881
Overnight Delivery
Southeast Toyota Finance
C/O Wachovia Bank
Lockbox #8881
401 Market Street
Philadelphia, PA 19106
Please be sure to write your account number on the check or money order. For faster processing time, we recommend that payments be made by certified funds such as cashier's check or money order.
Payoff quotes are available here.
All required documentation must be received with your payoff check to avoid delays. Generally, titles on vehicles with payoffs made by certified check, cashier's check, official bank check, or from dealers are mailed within a few days after receipt. If your payoff was remitted by personal check, your title will be mailed approximately 14 business days after the account closes to allow time for the funds to clear the bank. This may vary in some states.
If you live in a state that issues electronic titles, or if you live in a state where you hold the title, you will not receive a paper title. Instead, you will receive either a Release of Lien or a letter stating the lien has been paid-in-full. Please contact the Department of Motor Vehicles in your state for answers to any title questions you may have.
No. A leasing company (VT Inc. as Trustee World Omni LT) is listed as the owner of the leased vehicle. Taxes are assessed based on your local property tax rates and we as the Lessor are responsible for paying that tax.
Many states require the collection of sales tax on property tax when the property tax is paid by us as the Lessor (us) and billed to you, the Lessee.
Please fax or send us a copy of the current vehicle registration. We will make the correction and apply for a refund from the county.
Please refer to the General Inquiries category in the left column of this page for our mailing address or fax number.
Please return the license plate to your local Department of Motor Vehicles office or tag agency as soon as possible. This will serve as notification to the state that you have returned your vehicle or are moving to another state. Please retain your receipt.
As soon as we can confirm all property taxes have been paid, any excess estimated property tax that you may have paid will be refunded to you. Because of the delay in receiving property tax statements from various taxing authorities, confirmation of payment may take several weeks or months.
Most states send these documents directly to your address. Please contact your Department of Motor Vehicles office or local tag agency to verify their policy. If the decal was sent to us, we will forward it to you.
Please send or fax a copy of the front and back of your cancelled check to our office. We will apply for a refund and credit the refund to your auto finance account.
Refer to the General Inquires category in the left column of this page for our mailing address or fax number.
From your mobile device, visit the App Store(SM), search for SETF, and download the Southeast Toyota Finance Mobile payment app.
Southeast Toyota Finance does not charge a fee to download or to submit payments using the Southeast Toyota Finance Mobile payment app. Please note: Depending upon the type of plan or program you have with your telecommunications provider, you may incur a cost or charge for phone and data use. Please contact your telecommunications provider to confirm what charges you may incur based on your particular service plan.
You must be a registered user of SETF.com to use the Southeast Toyota Finance Mobile app.
To log in to the Southeast Toyota Finance Mobile payment app, enter the User ID and Password that you use to access your SETF.com account on a computer.
If you have forgotten your User ID or Password, please visit SETF.com from any computer, and click on the "Forgot your Username or Password?" link on the home page.
Five (5) unsuccessful login attempts will lock the account. If that happens, please call 1-800-686-3494 for more information.
After 20 minutes of idle time on the Southeast Toyota Finance Mobile payment app, your session will time out. If that happens, please simply log in to the app again.
No. If you have previously made an electronic check payment using our electronic payment processing service, your account information will be available for selection when you log in to the Southeast Toyota Finance Mobile payment app. However, if your previous payments were made by debit card, no previous payment information will be available on the app.
You may opt to pay from the same checking account you used to make a previous payment or, if you prefer, you may enter a new checking account number.
The Southeast Toyota Finance Mobile payment app uses a combination of Hypertext Transfer Protocol with Secured Sockets Layer to encrypt your information, and is the same technology popular browsers use for encrypted communication. No account information is stored in the app.
Please note: Southeast Toyota Finance does not operate or control the wireless networks used to access the Southeast Toyota Finance Mobile payment app. Contact your telecommunications provider for information about their privacy and security practices. Even though your account data can only be accessed via the Southeast Toyota Finance Mobile payment app using your User ID and Password, as further protection, you may wish to consider setting a passcode for your mobile device.
The Southeast Toyota Finance Mobile payment app can be used outside the U.S.; however, you may incur additional charges from your telecommunications provider for such usage. Please contact your carrier to confirm what charges you may incur based on your particular service plan.
The Southeast Toyota Finance Mobile payment app can be used only for making payments on your Southeast Toyota Finance auto finance account. Other account management activities that are available at SETF.com include:
- Signing up for paperless and electronic billing
- Monitoring payment due dates and payment history
- Updating account information
- Viewing special offers
You have several options:
Pay online
A copy of your most current invoice is always available on SETF.com. You can log in to your account any time or utilize SETF.com to pay online payment with no fee.
Pay by phone
You may call Southeast Toyota Finance's 24-hour automated phone system and authorize a payment from your bank account. Please be sure that you have your account number ready when you call us.
Pay by mail
You can mail your payment without the statement. Please be sure to write your complete account number on your check before mailing.
If your address has changed, you may update your address online, or include the new address with your mailed-in payment so we can update your account.
Even though your most recent payment may have been on time, previous payments may have been late. The late charges shown on your invoice are the total balance of unpaid late charges due on your auto finance account. Payments not received within the grace period disclosed in your contract are subject to a late charge.
"Previous amount due" represents any unpaid charges. This would include any unpaid payments, late charges, or miscellaneous charges such as property tax or parking tickets.
Changes in the monthly invoice amount could be due to a change in your local tax rate if you have moved to another tax jurisdiction, or if your account has been assessed any miscellaneous charges.
SETF.com contains information on the entire end-of-lease process, including options for turning in your vehicle to your dealer or purchasing it. For information on paying off your vehicle prior to lease maturity, please log in to view your Payoff amount.
You have several options:
Pay Online
A copy of your most current statement is always available on SETF.com. You can log in to your account any time, or utilize SETF.com to pay online with no fee.
Pay by phone
You may call Southeast Toyota Finance's 24-hour automated phone system and authorize a payment from your bank account. Please be sure that you have your account number ready when you call us.
Pay by mail
You can mail your payment without the statement. Please be sure to write your complete account number on your check before mailing.
If your address has changed, you may update your address online, or include the new address with your mailed-in payment so we can update your account.
Even though your most recent payment may have been on time, previous payments may have been late. The late charges shown on your statement reflect the total balance of unpaid late charges due on your auto finance account. Payments not received within the grace period disclosed in your contract are subject to a late charge.
The statement shows the exact amount due for your next payment and includes your scheduled payment, plus any late charges or other amounts that may be due.
The "must be received by" date only applies if you are paying off the full balance owed on your account—the “Payoff Amount.” If you wish to pay the "Payoff Amount," we must receive your check or money order on or before the date shown. Your regular payment due date has not changed.
You are able to request a payoff quote by logging into SETF.com. You will be provided with a payoff quote and instructions on where to mail your payoff amount.
Your monthly statement includes your payoff amount and payment instructions. Make sure to check the front and back of the statement to obtain complete instructions.
You may also call Southeast Toyota Finance's 24-hour automated phoe system. Please be sure that you have your complete account number or Social Security Number available. You will be provided with the payoff amount and will also be given the option to have it faxed to you. Instructions on where to mail your payoff will also be provided.
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