Servicemembers' Civil Relief Act (SCRA)

Qualified active duty personnel are entitled to a temporary reduction of their interest rate to six percent under the provisions of the Servicemembers' Civil Relief Act (SCRA).

Eligibility

You are eligible for a rate reduction under the SCRA if:
  1. You signed the contract for the vehicle before you were called to, inducted, or enlisted in active United States military service, or
  2. You were a reserve member of the military, civilian employee of the military, Merchant Marine, or National/State Guard at the time the contract was entered into, but called to active duty after the date of contract.
You are not eligible for a rate reduction under the SCRA if:
  1. You were already a full-time (non-civilian) employee of the military when the contract was signed.
    • Note: Deployment is not a factor for SCRA eligibility.
Eligibility will vary for servicemembers in Louisiana and Ohio. If you are an active duty servicemember in one of these states, please contact the Customer Care Support department at 1-800-284-2271 for more information.

Interest Rate

When will the interest rate reduction take effect?
  1. The interest rate reduction will be effective on the date you receive notification that you must report for active duty or the active duty date, whichever occurs earlier.
    1. The interest rate reduction remains in effect the entire length of active duty.

Notifying AmeriCredit

  1. In order to reduce your interest rate, you must provide AmeriCredit with military notification that includes your name, Social Security number (SSN) and active duty date. AmeriCredit must receive notification in one of the following formats:
    1. A copy of the active duty orders;
    2. A letter from your commanding officer on military letterhead; or
    3. Some form of official notification
  2. Send the active duty notification to the Customer Care Support department via fax or mail.
    1. Fax Number: (817) 524-2820
    2. Mail:
      AmeriCredit Financial Services
      Attention: Customer Care Support
      P.O. Box 183581
      Arlington, TX 76096
If you have any questions, contact the Customer Care Support department at 1-800-284-2271.

Additional Information

  1. To process your payments efficiently while you are in active service, one convenient option is to enroll in the Military Allotment (MAC) program.
    1. Military allotment is a payroll deduction plan offered to armed forces personnel.
    2. If you are interested in a MAC account you may:
      • Call 1-800-765-2110;
      • Contact your military branch’s personnel office; or
      • Visit the MAC Allotment page in the Make A Payment section of AmeriCredit’s Web site.
  2. Please look over the SCRA guidelines. When submitting a request for coverage, please be prepared to provide additional information.
  3. Feel free to reference our Frequently Asked Questions for more detailed information about SCRA.
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