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    To contact us, please 
    select one of the following: 

    General Inquiries:
    1-800-686-3494 

    Southeast Toyota Finance 

    PO Box 991817 

    Mobile, AL 36691-8817 

    Fax: (314) 702-4622

     

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    Toyota Rewards Visa: 

    Learn More

     

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    Payment Inquiries:

    Retail Accounts
    1-800-686-3494 

    Southeast Toyota Finance
    PO Box 70832
    Charlotte, NC 28272-0832 

    Lease Accounts 

    1-800-686-3494 

    Southeast Toyota Finance
    PO Box 70831
    Charlotte, NC 28272-0831 

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    Registration & Title
    Requests: 

    Retail Accounts
    1-800-686-3494 

    World Omni Financial Corp.
    PO Box 9249
    Mobile, AL 36691

    Lease Accounts
    1-800-686-3494 

    VT Inc as Trustee
    World Omni LT
    PO Box 91326
    Mobile, AL 36691

Sienna
Frequently Asked Questions


SETF.com is built with you in mind—to answer your auto financing questions and make your online experience quick and efficient. 


To quickly find the information you need, use the search feature. Your search results will be displayed by category. Click the + sign next to the category name to display the questions in that category that match your search request.


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.
Visit the Toyota Owners site. Once there, enter your Vehicle Identification Number (VIN) to see if your Toyota or Scion has been recalled.
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.

You can update your email address on SETF.com. Log in to your account and change your email address.

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.

Please click here for step-by-step instructions.
Please click here for step-by-step instructions.
You can update your bank account information for the Automatic Payment Program on this website by going to the "Manage Automated Payments" tab.
Yes, Southeast Toyota Finance offers a College Graduate Finance and Rebate Program. Both programs are designed to help you lease or finance a new Toyota or Scion.

Benefits of the programs include:
  • All eligible college graduates receive the standard Tier 1 rate discount, which is low interest rate financing.
  • On a purchase, customers may defer their first payment for up to 90 days and may finance for a term of up to 60 months.
  • On a lease, no security deposit is required and the vehicle can be leased for up to 36 months.
Graduates from an accredited four-year college or university within the next six months are eligible. You are also eligible if you graduate from an accredited two-year college or registered nursing degree (diploma) program or are enrolled in an accredited graduate degree program.

Graduates from the two-year Toyota Technical Education Network (T-TEN) Program, which is equivalent to a two-year junior college degree (accredited by the NATEF, National Automotive Technicians Education Foundation) are eligible along with graduates from any other two-year post secondary automotive program accredited by the NATEF.

You are also eligible if you have completed an electrician apprenticeship/certification program through the NJATC (National Joint Apprentice and Training Committee) and the IBEW (International Brotherhood of Electrical Workers).
You will need to bring all of the following three (3) items to your local Southeast Toyota Dealer.

  1. School photo identification, current transcripts, completed/validated school registration form or diploma.
  2. Verifiable proof of present employment or proof of future employment which will begin within 120 days of loan approval. This may include a copy of your pay stub or verification letter from your employer.
  3. Valid vehicle insurance.
All graduates have two (2) years from receipt of their degree to take advantage of the College Graduate Rebate Program.
The Toyota Camry (gas only), Corolla, Matrix, Prius c, RAV4, Tacoma, Yaris or any Scion model are part of the College Graduate Finance and Rebate program. Models may change; check with your local Southeast Toyota dealer for details.
Yes, the College Graduate Rebate and College Finance Programs may be combined with other special offers. See your local Southeast Toyota dealer for details and for more information about current offers.

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 Care.
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 Care.

For more information about terminating your lease, please contact
Customer Care.
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 States (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 Care.

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.

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 Automatic Payment Program so your payment is automatically transferred from your financial institution every month. You can set up automated payments on SETF.com by going to the "Manage Automated Payments" tab to enroll.

 

You can cancel your automated payments by accessing the "Manage Automated Payments" tab on this website or by calling 1-800-686-3494 and speaking with one of our Customer Care representatives.

 

Please Note: In order to view your statements online, you must check the box for "Email Notifications."

 

You can make a check payment by contacting us.

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. 

 

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 Automatic 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 Wells Fargo
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.


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.
SETF.com contains information on the entire end-of-lease process, including options for turning in your vehicle to your dealer or purchasing it. Learn more about your lease-end options.


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 phone 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.