Finance Customers

To manage your account and make payments online, you’ll first need to setup a MyCarMax account. NOTE: this will include an email verification step. The email can take up to one hour to be delivered. Once you have a MyCarMax login, you will need your CarMax Auto Finance account number (which is listed on your welcome email or letter sent shortly after purchase). Simply log into MyCarMax, click on the “set up new account,” and follow the instructions. If you have any trouble setting up your online account, you can contact our Customer Service team at (800) 925-3612. Please note that access to your online account (and your ability to make online payments) may become restricted based on your account status or payment history (e.g., 75 or more days past due; bankruptcy; or multiple returned payments).

Monthly payments sent by U.S. Mail should be sent to:
CarMax Auto Finance
P.O. Box 6045
Carol Stream, IL 60197-6045

To make a principal-only payment, we recommend that you contact us at (800) 925-3612. We're available Monday through Friday 8am-10pm, Saturday 9am-6pm EST.

Final payoffs sent by U.S. Mail should go to:
CarMax Auto Finance
Attn: Payoff Department
P.O. Box 440609
Kennesaw, GA 30160

Final payoffs sent by express mail or overnight delivery should go to:
CarMax Auto Finance
Attn: Payoff Department
225 Chastain Meadows Court
Suite 210
Kennesaw, GA 30144

Western Union
You may go to any Western Union location to have your payment sent to us. Call (800) 238-5772 to find the nearest location. You will need to reference our city code, "CarMax," along with the state code of "Georgia." Please be sure to include your account number to ensure proper posting. We typically receive and post these payments to your account within one full business day. Our business days are Monday-Friday. Western Union may charge a fee for this service.

MoneyGram® ExpressPayments® service
You may go to any MoneyGram retail agent location to have your payment sent to us. Call 1-800-MoneyGram to find the nearest location. At the agent location, please provide the clerk with the following: Receive Code "4645," company name "CarMax," city "Kennesaw," state "GA," and your account number to ensure proper posting. We typically receive and post these payments to your account within one full business day. Our business days are Monday-Friday. MoneyGram may charge a fee for this service.

Please note: We recommend writing your account number on all forms of payment. We also recommend mailing your payment 7 to 10 days before your due date to ensure that we receive it on time.

You can select the first payment date that works best for you. It can be up to 45 days from your contract date. We’ll also send you a welcome email or welcome letter with your CarMax Auto Finance account information and monthly payment details.

You can access your CarMax Auto Finance account number on the welcome email or welcome letter you received or you can contact our Customer Service team at (800) 925-3612.

You can access your CarMax Auto Finance account number on the welcome email or welcome letter you received or you can contact our Customer Service team at (800) 925-3612.

To request benefits under the SCRA, you can:

Submit your request over the phone:
(800) 925-3612 x4077

Submit your request via email:
CAF_SCRA@carmax.com

Note: Please provide your name, phone number, and the last 4 digits of your CarMax Auto Finance account number to expedite the identification of your account and the processing of your request.

Fax your military orders to:
(770) 423-4376

Mail your military orders to:
CarMax Auto Finance
Attn: Customer Service
P.O. Box 440609
Kennesaw, GA 30160

If you choose to email, fax, or mail your request, please ensure that you provide the last four digits of your CarMax Auto Finance account number.