What is Bridgecrest.com and when should I use it?
Bridgecrest is DriveTime's new loan servicing company. Bridgecrest.com is a portal where you may login to view your account information such as payment history, account status, vehicle information and additional FAQ's. You may also obtain a payoff quote, setup and cancel AutoPay, update your contact information, as well as request a copy of your contract.
Why am I receiving calls from an automated system?
We use an automated system to communicate with you about account information, past due payments, and other important information. If you receive an automated call and have any questions, please contact Customer Service at (800) 967-8526.
What is the difference between Principal and Interest and how does this affect my payments and what I owe to you?
The principal, or principal balance, is the amount you borrow, also referred to as the "amount financed." To calculate the principal balance, you take the total sales price of the vehicle minus any down payment and/or any vehicle trade-in value, if applicable. Interest is what we charge for the credit extended to you; it's the Annual Percentage Rate (APR) disclosed in your retail installment contract.
Simple Interest means you are accruing daily interest on the unpaid principal balance. Each payment you make will cover the daily interest that has accrued first. The remainder of the payment is applied to principal balance, assuming there are no late fees or other charges owed. You will find that the principal balance will decrease slowly at the start of your payments compared to later in your payment schedule. As you pay down the principal balance, there is less interest to pay and more of your payment goes towards the principal balance. If you make all of your payments according to the scheduled due dates, your account will be paid in full by the maturity date.
When payments are late, more of the amount paid is applied to interest rather than the principal balance. This is due to the fact that the payment must cover the interest it was scheduled to cover plus any extra days of accrued interest. This reduces the amount applied towards the principal balance. If payments are not made on a regular basis, then the payment schedule may not reflect accurately. This may result in a balance left to be paid after the maturity date.
What happens to my payments when you defer or extend my loan?
You are not required to make any payments during the deferment or extension period. However, these payments are not forgiven and you are still required to make these payments. They are simply moved to the end of the term on your loan and your maturity date is extended. Interest continues to accrue during the deferment period.
How do I obtain a copy of my payment history?
Please login to Bridgecrest.com, access the "Dashboard" tab, and expand your Recent Account Activity. You will also find the print option just below the transactions. Alternatively, you may contact Bridgecrest Customer Service for assistance at (800) 967-8526.
How can I update my street address, phone number, or email address?
You may update your information online at Bridgecrest.com. You may also contact a Bridgecrest Customer Service Representative at (800) 967-8526.
How do I make a legal name – change (for example, I just got married and changed my name)?
Please contact Bridgecrest Customer Service at (800) 967-8526 for further guidance.
How do I remove the primary/cosigner from this Account?
When two people apply for joint credit to purchase a vehicle, both parties agree to pay back the money that was borrowed. DriveTime and Bridgecrest are unable to release one or both parties from this contract. Both parties are liable for the debt.
A divorce, for example, will not void this contract, even if a divorce decree directs one person to pay and not the other. If the spouse required to pay DriveTime/Bridgecrest does not, DriveTime/Bridgecrest can still require the other spouse to pay. If this spouse does pay, he or she can seek reimbursement from the spouse required to pay by the divorce decree.
How do I add a person to my Account?
What if I want to have someone other than me talk to you about my DriveTime Account?
Please contact a Customer Service Representative at (800) 967-8526 to authorize another person on your account.
Call window preferences are a tool that we use to improve your customer service experience. Customers have an opportunity to select the best time that we may call them on their cell phone. To set up or adjust call window preferences, please contact a Customer Service Representative at (800) 967-8526.
How do I obtain a copy of important documents such as a duplicate CheckFree payment information card, my vehicle title, my Contract?
To obtain these documents, you may contact a Customer Service Representative at (800) 967-8526.
Benefits of filing directly with us.
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