The 6% Interest Rate Cap
SCRA Phone Numbers: Every Major Bank's Department, Verified
Part of: The Complete Guide to the SCRA
Every issuer guide on this site carries its bank’s SCRA contacts. This page is the whole set in one place, for the day you are staging at the kitchen table with orders in hand and three accounts to file.
Two rules before you dial. First, call the SCRA desk, not the general line: the dedicated desks process these requests all day and will not ask you what the SCRA is. Second, follow the call with written notice and a copy of your orders. The statute keys your retroactive 6% cap to the written request, so the paper, not the phone call, is what protects your money.
The directory
Affirm
Full Affirm guide- Call
- 855-423-3729 (8:00 am to 11:00 pm Eastern, seven days a week (chat 7:00 am to 7:30 pm ET, Mon to Fri))
- Online
- Help Center article "Active military 6% interest rate cap": "Need more help? Get support" button, then provide your loan ID and upload eligibility documentation through the webform
- Their stated timeline
- Not stated ("We'll be in touch with you once you submit your information")
Checked August 15, 2026 against Affirm's own page
Aidvantage
- Call
- 833-793-2135
- Fax
- 866-266-0178
- MilitaryBenefits@aidvantage.studentaid.gov
- Aidvantage, Federal Student Aid Loan Servicing, P.O. Box 300001, Greenville, TX 75403-3001
- Online
- Log in to request SCRA online or upload orders securely
Checked July 15, 2026 against Aidvantage's own page
Ally
- Call
- 1-877-713-5101 (9 a.m. to 6 p.m. ET)
- Overseas
- 1-972-537-2389 (collect)
- Fax
- 1-844-546-2585
- P.O. Box 380901, Bloomington, MN 55438
Checked July 15, 2026 against Ally's own page
American Credit Acceptance
Full American Credit Acceptance guide- Call
- 1-855-292-6426
- Fax
- 866-633-0622
- SCRA@acacceptance.com
- American Credit Acceptance LLC, Attn: SCRA Request, 961 East Main Street, Spartanburg, SC 29302
- Online
- SCRA Interest Rate Reduction Request Form (PDF) linked from the customer FAQ; the form says it is optional and any written request is reviewed
Checked August 15, 2026 against American Credit Acceptance's own page
American Express
- Call
- 1-866-391-1460 (Mon to Sun, 7 a.m. to 11:30 p.m.)
- Overseas
- 1-336-393-1111 (collect)
- Fax
- 623-444-3000
- American Express, Attn: Servicemembers Civil Relief Act, PO Box 981535, El Paso, TX 79998-1535
- Online
- Request from your online account (enrollment in Amex Online Services required); upload documents at americanexpress.com/documentcenter
- Their stated timeline
- Amex advises you of your status up to two billing cycles after you submit
Checked July 15, 2026 against American Express's own page
Bank of America
- Call
- 877-345-0693 (Military Benefits Unit) (Mon to Fri, 9 a.m. to 8 p.m.)
- Overseas
- 817-245-4094 (collect)
- Fax
- 866-696-0292, Attn: Military Benefits Unit
- Military Benefits Unit, PO Box 673026, Dallas, TX 75267-3026 (overnight: Department FL96000297, 9000 Southside Blvd., Jacksonville, FL 32256)
- Online
- The Request Benefits application on bankofamerica.com/military-banking
Checked July 15, 2026 against Bank of America's own page
Barclays
- Call
- 888-710-8756 (general line; Barclays publishes no SCRA-specific number) (8 a.m. to 8 p.m. ET, seven days)
- Online
- The SCRA Request option in the Barclays help center (sign-in required); one request covers all eligible accounts
Checked July 15, 2026 against Barclays's own page
Capital One
- Call
- 1-855-CAP1-MIL (855-227-1645) (24/7)
- Online
- The Request SCRA Benefits option on capitalone.com/military (covers Discover accounts too)
Checked July 15, 2026 against Capital One's own page
Carrington Mortgage Services
Full Carrington Mortgage Services guide- Call
- (888) 267-5474 (Servicemembers Connection / Military Liaison) (8:00 a.m. to 8:00 p.m. Monday through Friday, Eastern Time)
- Fax
- (800) 486-5134 (Notice of Error / information requests; no SCRA-specific fax published)
- ServicemembersConnection@carringtonms.com
- Carrington Mortgage Services, LLC, P.O. Box 5001, Westfield, IN 46074 (Notice of Error / information requests; loan number on every page)
Checked August 15, 2026 against Carrington Mortgage Services's own page
Chase
- Call
- 1-877-469-0110 (Mon to Fri, 8 a.m. to 9 p.m. ET)
- Overseas
- 1-318-340-3308
- Chase, Attn: SCRA Request, PO Box 183240, Columbus, OH 43218-3240
- Online
- chase.com/securemessages: new message with the SCRA dropdown, documents upload there (Chase asks for scans or mail, not phone photos)
Checked July 15, 2026 against Chase's own page
Citizens Bank
Full Citizens Bank guide- Fax
- 855-872-1791
- MilitaryAssistance@citizensbank.com
- Citizens Bank, Military Assistance Team - JCA150, One Citizens Bank Way, Johnston, RI 02919
- Online
- Written request by email, fax, or mail; no portal or SCRA phone line published
- Their stated timeline
- Allow up to thirty (30) days to receive a written response
Checked August 15, 2026 against Citizens Bank's own page
Comenity (Bread Financial)
Full Comenity (Bread Financial) guide- Call
- 1-855-463-0222 (Mon to Fri, 8:00 a.m. to 8:00 p.m. ET; voicemail after hours, closed holidays)
- Fax
- 614-729-3417
- Comenity, Attn: SCRA Request, PO Box 182273, Columbus, Ohio 43218-2273
- Online
- Secure Message Center in the brand account center (registered users); Comenity says Customer Care replies within 48 hours
- Their stated timeline
- No decision timeline published; secure messages answered within 48 hours; mailed notice at least 45 days before benefits end
Checked August 15, 2026 against Comenity (Bread Financial)'s own page
Discover
- Call
- 1-844-DFS-4MIL (844-337-4645) (24/7)
- Overseas
- 1-801-451-3730
- Online
- Discover routes online SCRA requests to the Capital One military page
Checked July 15, 2026 against Discover's own page
Exeter Finance
Full Exeter Finance guide- Call
- (800) 321-9637 (Mon to Fri 8:00 a.m. to 7:00 p.m., Sat 8:00 a.m. to 5:00 p.m. CT)
- Fax
- (214) 572-8199
- Exeter Finance LLC, Attn: Customer Service (SCRA Processing), P.O. Box 166008, Irving, TX 75016
- Online
- No online SCRA channel published; Exeter identifies eligible servicemembers via the DMDC and takes documents by mail or fax
Checked August 15, 2026 against Exeter Finance's own page
Fifth Third Bank
Full Fifth Third Bank guide- Call
- 1-877-899-0815 (option 3 for an SCRA Specialist; Mon to Fri, 8 a.m. to 5 p.m. ET)
- Overseas
- 513-358-4803
- Fax
- 616-653-2429
- SCRA@53.com
- Fifth Third Bank - SCRA Specialist, 1830 East Paris, MD RSCB3E, Grand Rapids, MI 49546
- Online
- Send a message any time through the online Message Center in online banking
Checked August 15, 2026 against Fifth Third Bank's own page
First Premier Bank (PREMIER Bankcard)
Full First Premier Bank (PREMIER Bankcard) guide- Fax
- 605-357-3438
- PREMIER Bankcard, Attn: SCRA Request, PO Box 5524, Sioux Falls, SD 57117-5524
- Online
- Document Upload in Online Access, "Military Documents" option
- Their stated timeline
- PREMIER Bankcard mails a letter with the determined outcome within 30 days of receipt of your documentation
Checked August 15, 2026 against First Premier Bank (PREMIER Bankcard)'s own page
Freedom Mortgage
Full Freedom Mortgage guide- Call
- 855-690-5900 (Customer Care; no SCRA-specific line published) (Monday through Friday 8 a.m. to 8 p.m., Saturday 9 a.m. to 2 p.m. Eastern Time)
- Freedom Mortgage Corporation, P.O. Box 50485, Indianapolis, IN 46250-0485 (send a copy of your orders)
- Online
- Message Customer Care from your online Freedom Mortgage account
Checked August 15, 2026 against Freedom Mortgage's own page
GM Financial
- Call
- 1-855-719-9693 (Mon to Thu 7 a.m. to 8 p.m., Fri to 6 p.m., Sat 9 a.m. to 1 p.m. CT)
- Fax
- 1-877-470-9873
- MilitaryCustomerSupport@gmfinancial.com
- GM Financial, Attn: Account Services SCRA, P.O. Box 183581, Arlington, TX 76096-3581
- Online
- MyAccount secure messaging
- Their stated timeline
- A Military Customer Support rep replies typically within eight business days
Checked July 15, 2026 against GM Financial's own page
Honda Financial Services (American Honda Finance)
Full Honda Financial Services (American Honda Finance) guide- Call
- 1-866-753-4111
- Fax
- 1-310-224-7205
- American Honda Finance Corporation, P.O. Box 6070, Cypress, CA 90630-6070, Attn: SCRA Benefits
- Online
- Servicemembers Civil Relief Act Request form at my.americanhondafinance.com/s/submit-scra-request
- Their stated timeline
- An SCRA Specialist will review and respond to your request within 30 days
Checked August 15, 2026 against Honda Financial Services (American Honda Finance)'s own page
Huntington
Full Huntington guide- Fax
- (877) 674-6738
- The Huntington National Bank, Attention: Customer Advocacy, SCRA Management, 7 Easton Oval EA1W02, Columbus, OH 43219
- Online
- Secure email link on request through the SCRA Contact Form (say so under "Additional Information"), or any branch; no dedicated SCRA phone line
Checked August 15, 2026 against Huntington's own page
Hyundai Motor Finance and Kia Finance America
Full Hyundai Motor Finance and Kia Finance America guide- Call
- (844) 323-1944 (Hyundai Motor Finance) or (855) 276-4463 (Kia Finance America) (Mon to Fri, 8 a.m. to 9 p.m. Eastern)
- Fax
- (888) 780-4423
- SCRA@hcs.com
- Hyundai Motor Finance (or Kia Finance America), ATTN: SCRA Request, 4100 Wildwood Parkway, Atlanta, GA 30339
- Online
- No online SCRA form; the FAQ routes requests by email, fax, or mail
- Their stated timeline
- Once we receive the required documentation, please allow up to three (3) business days for processing
Checked August 15, 2026 against Hyundai Motor Finance and Kia Finance America's own page
M&T Bank
Full M&T Bank guide- Call
- 1-855-350-SCRA (7272) (Mon to Fri, 8:30 a.m. to 5:00 p.m. ET (SCRA Servicing Team))
- Overseas
- 302-934-4872
- Fax
- 1-888-378-8444
- scraservicing@mtb.com
- P.O. Box 1850, Buffalo, NY 14240
- Online
- Written request with orders by email, fax, mail, or in person at a full-service branch
Checked August 15, 2026 against M&T Bank's own page
MILITARY STAR Card (Exchange Credit Program)
Full MILITARY STAR Card (Exchange Credit Program) guide- Call
- 1-877-891-7827 (STAR)
- Fax
- 214-465-2997
- Deployment@aafes.com
- Exchange Credit Program, ATTN: Deployments, P.O. Box 650410, Dallas, TX 75265-0410
- Online
- No online SCRA form; deployment/activation orders may be emailed as an image attachment
Checked August 15, 2026 against MILITARY STAR Card (Exchange Credit Program)'s own page
MOHELA
Full MOHELA guide- Call
- 1-855-278-3619
- Fax
- 866-222-7060
- MilitaryVIP@mohela.studentaid.gov (MOHELA labels email unsecure; keep account details out)
- Online
- Secure message from your account inbox, or secure upload of orders
Checked July 15, 2026 against MOHELA's own page
Mr. Cooper
- Fax
- 855-856-0427
- MilitaryFamilies@mrcooper.com
- Mr. Cooper, Attn: SCRA/Military Families, PO Box 619098, Dallas, TX 75261
Checked July 15, 2026 against Mr. Cooper's own page
Navy Federal
- Fax
- 1-800-550-8601, Attn: SCRA Servicing
- Navy Federal Credit Union, PO Box 3302, Merrifield, VA 22119, Attn: SCRA
- Online
- eMessage in the mobile app or online banking with Attn: SCRA in the subject line, or any branch
Checked July 15, 2026 against Navy Federal's own page
Nelnet
- Call
- 800-446-4190 (Nelnet Bank, private loans)
- loans@nelnetbank.com (Nelnet Bank)
- Nelnet Bank, P.O. Box 82546, Lincoln, NE 68501-2546 (orders plus a signed, dated 6% request)
- Online
- Federal loans cap automatically via the military database match; verify each pre-service loan in your account
Checked July 15, 2026 against Nelnet's own page
Newrez / Shellpoint Mortgage Servicing
Full Newrez / Shellpoint Mortgage Servicing guide- Call
- 1-800-365-7107 (Shellpoint Customer Care; Newrez-branded letters print 866-317-2347) (Monday to Friday 8 a.m. to 9 p.m., Saturday 10 a.m. to 2 p.m. Eastern)
- Fax
- (866) 467-1137
- Shellpoint Mortgage Servicing, PO Box 10826, Greenville, SC 29603-0826 (correspondence and Notice of Error address; Newrez prints the same box)
Checked August 15, 2026 against Newrez / Shellpoint Mortgage Servicing's own page
Nissan Motor Acceptance Company (NMAC)
Full Nissan Motor Acceptance Company (NMAC) guide- Call
- (844) 992-0288 (Mon to Fri, 7 a.m. to 5 p.m. Central)
- Fax
- (972) 607-7339
- SCRA@nmac.com
- NMAC, Attn: Military Center of Excellence, P.O. Box 660360, Dallas, Texas 75266-0360
- Online
- Secure Contact Form after login (currently limited to New York, California, Texas, and Florida)
- Their stated timeline
- The Military Center of Excellence team will review requests and provide responses within 3 business days
Checked August 15, 2026 against Nissan Motor Acceptance Company (NMAC)'s own page
OneMain Financial
Full OneMain Financial guide- Call
- (844) 859-1878 (Monday to Friday, 0800 to 1630 Central)
- MilitaryFamilySupport@omf.com
- OneMain Financial, Attn: Military Family Support, PO Box 1170, Evansville, IN 47706-1170
- Online
- Request form at onemainfinancial.com/request-benefits; attach orders, DD 214, or power of attorney (.jpg, .jpeg, .png, .pdf, max 3MB)
Checked August 15, 2026 against OneMain Financial's own page
Regions Bank
Full Regions Bank guide- Call
- 1-855-734-4645 (Regions Military Customer Service, printed as 1-855-REG-4MIL; no hours stated)
- Fax
- 205-261-7048 (loans and lines of credit); 1-866-666-3993 (home improvement financing); 833-430-0345 (mortgage)
- Loans and lines of credit: Regions Bank, ATTN: SCRA, P.O. Box 1984, Birmingham, AL 35201. Credit cards: Regions Bank, ATTN: SCRA, P.O. Box 2224, Birmingham, AL 35246-3023. Home improvement financing: Regions Bank, ATTN: SCRA, 650 S Main St, Suite 1000, Salt Lake City, UT 84101-2844. Mortgage: Mortgage Customer Service, ATTN: SCRA, P.O. Box 18001, Hattiesburg, MS 39401-8001
- Online
- Written request with orders by mail or fax to the product desk, cover sheet marked ATTN SCRA; no email or portal published
Checked August 15, 2026 against Regions Bank's own page
Rocket Mortgage
Checked July 15, 2026 against Rocket Mortgage's own page
Sallie Mae
- Call
- 855-534-2668
- Overseas
- 877-224-9408 (international)
- Sallie Mae, PO Box 6566, Wilmington, DE 19804-6566
- Online
- Secure upload through your account, online request, or the SCRA Notice of Eligibility form signed by your commanding or personnel officer
Checked July 15, 2026 against Sallie Mae's own page
Santander / Chrysler Capital
- Call
- 1-844-SAN-SCRA (844-726-7272)
- SCRABenefits@santander.us
- Santander Bank, N.A., SCRA Mailcode: MAQ-SCRA6, PO Box 841001, Boston, MA 02284
Checked July 15, 2026 against Santander / Chrysler Capital's own page
Security Service FCU
Full Security Service FCU guide- Call
- 1.866.809.6332 (dedicated military line; hours not stated)
- Fax
- 210.476.4443
- CLServicing@ssfcu.org
- Security Service Federal Credit Union, Attn: Account Services, 15000 IH-10 West, San Antonio, TX 78249
- Online
- Request for Servicemembers Civil Relief Act (SCRA) Benefits form online (DocuSign) or printable PDF, returned by email, fax, mail, or any branch
- Their stated timeline
- A response will be issued within 30 days (stated on the request form)
Checked August 15, 2026 against Security Service FCU's own page
SoFi
Full SoFi guide- Call
- (855) 456-SOFI (7634) (Monday to Thursday 5:00 am to 7:00 pm, Friday to Sunday 5:00 am to 5:00 pm Pacific)
- SCRA@sofi.org
- Online
- "Unlock benefits" on sofi.com/scra-military-benefits opens the military benefits page in your member account (sofi.com/member-home/military-benefits); "apply now" uploads documents; chat after login
Checked August 15, 2026 against SoFi's own page
Synchrony
Checked July 15, 2026 against Synchrony's own page
Toyota Financial Services
- Call
- 1-800-874-8822 (Mon to Fri, 8 a.m. to 8 p.m. local (its contact page says 8 to 5))
- Online
- No dedicated SCRA channel; its FAQ routes requests through general customer service
Checked July 15, 2026 against Toyota Financial Services's own page
Truist
Full Truist guide- Truist Bank, PO Box 85052, Richmond, VA 23285-5052, Attn: Default Operations
- Online
- Written request with a copy of your orders; mail is the published channel
Checked July 15, 2026 against Truist's own page
U.S. Bank
- Call
- 800-934-9555, Military Service Center (Mon to Fri 7 a.m. to midnight ET, Sat 8 a.m. to 8:30 p.m. ET)
- Overseas
- 513-277-5899 (collect)
- Fax
- 866-568-7729 (card accounts, Attn: SCRA Cardmember Service)
- 24hrmilitaryservicecenter.shared@usbank.com
- U.S. Bank Military Service Center, 5065 Wooster Pike, Cincinnati, OH 45226 (card orders: Attn: SCRA Cardmember Service, PO Box 6352, Fargo, ND 58125-6354)
- Online
- Upload orders through online banking (PNG, PDF, JPEG, DOC formats accepted)
Checked July 15, 2026 against U.S. Bank's own page
Upstart
Full Upstart guide- scrabenefits@upstart.com
- Upstart Loan Operations, P.O. Box 1503, San Carlos, CA 94070
- Online
- Email or mail only; loan-specific follow-up through Contact Us in your My Account dashboard
- Their stated timeline
- You should receive a response within 10 days of submitting your request
Checked August 15, 2026 against Upstart's own page
USAA
- Call
- 800-531-8722 (mobile #8722)
- Fax
- 800-531-5717, Attn: LNSSCRA (use the printed cover sheet)
- USAA Federal Savings Bank, Attn: LNSSCRA, 10750 McDermott Freeway, San Antonio, TX 78288-0544
- Online
- Apply on usaa.com, or upload orders via your usaa.com inbox with LNSSCRA at the start of the file name
- Their stated timeline
- USAA answers on eligibility within 30 days
Checked July 15, 2026 against USAA's own page
Veterans United Home Loans
Full Veterans United Home Loans guide- Call
- 1-855-217-0772 (mortgage servicing questions; no SCRA-specific line published)
- Veterans United Servicing Department, ATTN: Office of the Customer, PO Box 8068, Virginia Beach, VA 23450 (written requests on loans Veterans United services)
- Online
- MyVeteransUnited account for loans Veterans United services; loans serviced by Mr. Cooper on its behalf use the Mr. Cooper SCRA process
Checked August 15, 2026 against Veterans United Home Loans's own page
Wells Fargo
- Call
- 1-855-USA-2WFB (855-872-2932), Military Banking (Mon to Fri, 7 a.m. to 8 p.m. CT)
- Overseas
- 1-866-936-SCRA (866-936-7272), mortgage side (Mon to Fri 6 a.m. to 10 p.m., Sat 8 a.m. to 2 p.m. CT)
- Fax
- 1-877-658-4585 (Attn: SCRA, mortgage) or 1-855-872-6262 (banking)
- Wells Fargo Bank, c/o SCRA Request, DSR - MAC D1118-02M, 1525 W. WT Harris Blvd., Charlotte, NC 28262-8522
- Online
- Sign on to Wells Fargo Online to upload your military service documentation, or any branch
Checked July 15, 2026 against Wells Fargo's own page
Not in the live-verified list
Two honest reasons an institution lands here: it publishes no dedicated SCRA channel, or its website blocks the automated re-checks this directory runs (PNC, Citi, PenFed, and Westlake all do). The filing route below comes from each guide, verified against the issuer when the guide was written:
- Citi: Call Citi military servicing 1-877-804-1082 with orders and send a written § 3937 notice; get the rate, waived fees, and end date in writing.
- PenFed: Upload orders at PenFed.org/secureupload; one filing covers every PenFed loan type, retroactive to your duty start, up to 180 days after service.
- PNC: One door: call 1-844-PNC-SCRA (1-844-762-7272) or email servicemembers@pnc.com for a secure channel before sending orders; fax and mail also published.
- Westlake Financial: Mail Westlake SCRA (PO Box 76809, Los Angeles, CA 90076) with orders, or email via its military-benefits page; keep proof and verify backdating (two DOJ SCRA settlements).
After you file
Ask three questions in writing: what rate is now applied, is it retroactive to your active-duty start date, and when does the benefit end. The refund calculator shows what the retroactive piece is worth, and the letter generator produces the written request that anchors it.
Then report how it went. Issuers grade themselves at “two to three billing cycles.” The Scorecard is how servicemembers grade them back.
Frequently asked questions
What number do I call for SCRA benefits?
Call your issuer's dedicated SCRA or military services line, not the number on the back of your card. Every verified department line is listed in the directory above. If your issuer publishes no dedicated line, its guide on this site covers the route that works through general servicing.
What should I have ready before I call?
Your active-duty orders or a letter from your commander, your active-duty start date, and the account numbers you want covered. Ask for the 6% cap on every pre-service account, retroactive to your duty start date, and ask for written confirmation of the applied rate and the end date.
Is a phone call enough to invoke the SCRA?
A call starts the process, but 50 U.S.C. 3937 keys the cap to written notice with a copy of your orders. Follow every call with the written request (the letter generator produces one) so your retroactive date is anchored on paper, not on a call log.
How fast do banks apply SCRA benefits after you file?
Issuers self-report about two to three billing cycles. No independent numbers exist yet, which is why this site runs the SCRA Scorecard: servicemembers report how long their issuer actually took, and we publish the per-issuer results as the sample grows.
Sources
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.