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How Do I Pay My Account Off Early?

Your account with Universal Lenders LLC can be paid off early at any time without a pre payment penalty.

First, you should call or email us for your payoff/final balance. You can call our offices toll-free, Monday through Friday, 9am to 6pm cst, at (866) 954-1050; or email us at We will reply to your email within 24 business hours.

To mail your pay off via check or money order, please note your account number on the check, and mail to:
PO BOX 4179
OAK PARK, IL 60303-4179

If sending via courier or overnight service, please send to:
1140 LAKE ST STE 202
OAK PARK, IL 60301-+1050

To pay off your account by telephone, please call our office at (866) 954-1050. We can process your payoff by electronic check (ACH) or credit/debit card (Visa/Mastercard/Discover; we do not accept American Express). There is a $15 service charge to make a payment by telephone. If you wish to use multiple payment methods, there is an additional $15 fee for each payment transaction. For credit/debit card payments over $500, the service charge is 3% of the payment amount instead of $15.

If your account is on automatic payments, we regret that our system is only able to process automatic payments for your regular payment amount, on your regular due date. For odd requests, such as a payoff, you will either need to mail the payment to our office, or call it in by telephone, as outlined above.