What to do when a United Auto Credit account holder dies
Contact United Auto Credit — 6-step process, 3 required documents, and united auto credit does not publish a fixed timeline for updating a deceased borrower's account. once the balance is paid in full, the title/lien release begins: about 3 business days after a final payment by certified funds, or about 10 business days after a final payment by non-certified funds. if a title has not arrived more than 20 business days after payoff, uacc directs the owner to contact the title department at (888) 376-7149 or titles@uacc.net. a gap claim, when applicable, can take up to 30 days from the date uacc receives the insurance settlement or police report.
United Auto Credit Customer Support
General correspondence: United Auto Credit, PO Box 163049, Fort Worth, TX 76161. Loan payments/payoff (no cash): United Auto Credit, PO Box 660017, Dallas, TX 75266-0017.
United Auto Credit Customer Support
General correspondence: United Auto Credit, PO Box 163049, Fort Worth, TX 76161. Loan payments/payoff (no cash): United Auto Credit, PO Box 660017, Dallas, TX 75266-0017.
United Auto Credit Customer Support (Deceased Borrower)
United Auto Credit, PO Box 163049, Fort Worth, TX 76161
Notifying United Auto Credit of a death is not a claim for money — it is the step that stops the account, fixes the balance owed as of the date of death, and puts United Auto Credit on notice as a creditor of the estate. The United Auto Credit Customer Support (Deceased Borrower) ((888) 895-6134) handles it.
Before contacting United Auto Credit, have the account holder's full name, date of birth, and any available account numbers ready. A certified death certificate is required to initiate the claim.
Death claim process
Here is the step-by-step death claim process at United Auto Credit:
Filing a claim
- Pay off the loan: request the exact payoff balance from your online account, the mobile app, or by calling (888) 895-6134, then pay the balance from estate funds, life insurance, or sale proceeds
- Keep the vehicle: an heir who wants to keep the financed vehicle generally pays off the balance and retitles the vehicle through the estate, or refinances the balance in their own name
- Sell the vehicle and apply the proceeds to the loan balance
Required Documents
- Death certificate for the deceased borrower
- Letters of Testamentary or Letters of Administration, or a small estate affidavit, if United Auto Credit requires proof of authority to settle the account or release the title
- The United Auto Credit account number
What to know at this institution
A UACC auto loan is a debt, not an asset — it carries no payable-on-death or beneficiary designation. UACC routes the deceased-borrower process through its Customer Support line at (888) 895-6134, telling a survivor who wants to continue or resolve a deceased borrower's account to call so it can "go over the requirements"; it publishes no dedicated deceased-customer claim form, so the survivor sends its own written notice plus the death certificate and any required estate documents (user-drafted). Because UACC holds a lien on the financed vehicle's title, the title is released to the estate only after the loan balance is satisfied — by certified funds for the faster (~3 business day) release or non-certified funds for the slower (~10 business day) release — after which the estate obtains a lien-free title from the DMV. UACC is an indirect wholly-owned subsidiary of Vroom, Inc. following Vroom's 2022 acquisition.
Prepare your letter of instruction to United Auto Credit
United Auto Credit accepts a claimant-drafted letter of instruction. We draft it for you — addressed to United Auto Credit's verified claims department, with the documents it requires enclosed.
Build your letter of instructionExpected timelines at United Auto Credit: United Auto Credit does not publish a fixed timeline for updating a deceased borrower's account. Once the balance is paid in full, the title/lien release begins: about 3 business days after a final payment by certified funds, or about 10 business days after a final payment by non-certified funds. If a title has not arrived more than 20 business days after payoff, UACC directs the owner to contact the Title Department at (888) 376-7149 or titles@uacc.net. A GAP claim, when applicable, can take up to 30 days from the date UACC receives the insurance settlement or police report. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
United Auto Credit requires Death certificate for the deceased borrower, Letters of Testamentary or Letters of Administration, or a small estate affidavit, if United Auto Credit requires proof of authority to settle the account or release the title, and The United Auto Credit account number to process a death claim. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
A UACC auto loan is a debt that does not disappear on death; it is resolved by the estate. Have the death certificate ready, then call Customer Support at (888) 895-6134 — UACC asks a survivor to call so it can go over its requirements for a deceased borrower's account. Depending on the situation, the estate resolves the loan by paying off the balance and retitling the vehicle, refinancing, selling the vehicle, or surrendering it. The vehicle secures the loan, so payments should be kept current while the estate is settled to avoid repossession.
Call United Auto Credit Customer Support at (888) 895-6134, Monday through Thursday 7 a.m.-10 p.m. CT, Friday 7 a.m.-8 p.m. CT, and Saturday 8 a.m.-12 p.m. CT. UACC states that a person who wants to continue making payments for a customer who recently passed away should call so it can go over the requirements. UACC does not publish a dedicated deceased-borrower form, so the survivor provides a written notice along with the death certificate and any estate documents UACC requests.
No. An auto loan is a debt, not an asset, so there is no payable-on-death or beneficiary designation. When the borrower dies, the balance becomes an obligation of the estate. The estate resolves it by paying off the loan, refinancing, selling the financed vehicle, or surrendering it.
UACC asks the caller to have the death certificate ready before contacting Customer Support. To establish authority over the estate and to release the title to the estate, UACC may require Letters of Testamentary or Letters of Administration (certified court-issued documents showing legal authority) or a small estate affidavit, which is used when the estate's total assets fall under the dollar limit set by state statute. Include the UACC account number with any documents.
Guaranteed Asset Protection (GAP) is an optional product some UACC contracts include. Its purpose is to reduce the amount owed if the vehicle is totaled and the primary insurance claim does not cover the entire remaining balance. GAP is not life insurance and does not pay off the loan on death by itself. Check the original contract or call (888) 895-6134 to confirm whether GAP is on the account; UACC starts a GAP claim once it receives the insurance settlement.
United Auto Credit's United Auto Credit Customer Support (Deceased Borrower) can be reached by phone at (888) 895-6134 for questions throughout the claims process.
Sources
Data sourced from United Auto Credit primary sources (5 pages reviewed). How we research.
United Auto Credit Customer Support
General correspondence: United Auto Credit, PO Box 163049, Fort Worth, TX 76161. Loan payments/payoff (no cash): United Auto Credit, PO Box 660017, Dallas, TX 75266-0017.
United Auto Credit Customer Support
General correspondence: United Auto Credit, PO Box 163049, Fort Worth, TX 76161. Loan payments/payoff (no cash): United Auto Credit, PO Box 660017, Dallas, TX 75266-0017.
United Auto Credit Customer Support (Deceased Borrower)
United Auto Credit, PO Box 163049, Fort Worth, TX 76161
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