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
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 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
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
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
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
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
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
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
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
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.