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Customer FAQs

Below you will find some of the most frequently asked questions we hear from our customers. If you cannot find the answer to your question, feel free to call us toll-free at 1-855-475-6767. We’d like to hear from you.

Login/Register

How do I set up my online account?

Simply visit our Registration page. You’ll be asked to provide basic account information and create a username and password. Be sure to have your 11-digit Skopos account number, along with the last four digits of your Social Security number.

How do I log in?

If this is your first time logging into the site, you will need to register first.

Once registered, you can log in on the Customer Portal by entering your username and password in the form provided.

Can I make my username and password anything I want?

For the security of your account, your username and password must meet these minimum requirements:

User ID
Must be 6-40 characters (numbers and underscores are allowed).

Password
Must be 8-30 characters
Must contain at least one uppercase letter, one lowercase letter, one special character and one number
Cannot be “password” or any variation of the word “password”
Cannot be the same as your User ID or email address.

When I try to register my account online, I get an error message that says ""Invalid Skopos Account Number / SSN". What do I do?

Look for these common errors:

1) Account Number – Be sure you enter the full 11-digit account number. Some accounts may begin with leading 0’s that you will need to enter.

2) Social Security Number – Both primary and secondary account holders can create online accounts. Whether you are the primary or secondary account holder, you should use the last four digits of your own Social Security number.

If you continue getting an error message, call 1-855-475-6767 for assistance.

I forgot my username and/or password. What do I do?

You can use either the username you setup during registration or your email address on file to login to your Skopos account.

To reset a forgotten password, choose “Forgot your password?” on the front page. You will be prompted to enter your username or the email address associated with your account. The system will send a link to reset your password, to the email account on record in our system.

If you have difficulties, please give us a call at 1-855-475-6767.

I am locked out of my account. What should I do?

In order to ensure the security of customer information, suspicious activity may activate a lockout on your account. We apologize for any inconvenience and ask that you contact us at 1-855-475-6767.

Which browsers work best for your site?

Current versions of Google Chrome, Mozilla Firefox, Opera, Edge and Internet Explorer work with this site. The site is also optimized for display on mobile devices such as iPhone and Android.

My Account

How can I update my contact information?

You can update your contact information in your “My Profile” section after login.

Where can I update my email address?

You can update your email address in your “My Profile” section after login.

Where can I update my username?

You can not update your username.

Where can I update my password?

You can update your password in your “My Profile” section after login.

Where can I find my Skopos account number?

Your 11 digit account number can be found on your welcome letter or monthly statement.

Payments

Where should I mail my payments?

You can mail your check or money order to:

Skopos Financial, LLC
P.O. BOX 661016
Dallas, TX 75266

How can I setup Recurring Payments?

Enrolling and managing your account has never been easier.

Log in to your account and go the the “Make a Payment” screen. Select the “My Wallet” tab. Make sure you have a payment source setup.

Next, click the “Recurring Payments” tab. Payment sources created in your wallet will be available to complete the setup for recurring payments.

Can I make a payment a few days late?

Your contract has a ‘No Grace Period’ clause which means you will owe additional interest, and possibly late fees, if you do not make your payments according to the scheduled due dates. If you need to make a payment arrangement, please call Customer Service at 1-855-475-6767.

How do I obtain information about my remaining balance (payoff quote)?

From the “Account Overview” you can request a 15 day payoff quote by clicking “Payoff Request” tab. You can also call a Customer Service representative at 1-855-475-6767 or mail your check to the following:

Skopos Financial, LLC
BOX 661016
2701 E Grauwyler Rd Building 1
Irving, TX 75061

What is the difference between Principal and Interest and how this affects my payments and what I owe to you?

Take the total sales price of the vehicle minus any down payment and/or any vehicle trade–in value and this is the principal balance. Principal is the amount you borrow, also referred to as the ‘amount financed’. (Confusing? We apologize. We are required to refer to it this way under applicable laws) 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 that you are accruing interest daily on the unpaid principal balance. Each payment you make first covers the daily interest that has accrued. The remainder of the payment is applied to principal, 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 principal, there is less interest to pay and more of your payment goes to reduce 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, the principal balance doesn’t go down as much from that payment as it was originally scheduled under your contract. Your payment covers the original interest it was scheduled to cover plus the extra late days of interest, reducing the amount of the payment applied to your principal balance. If you do not add additional money to your scheduled payment to cover this additional interest from late payments, your scheduled last payment will not pay what you owe us. If you pay late, late fees may apply, you will also owe for the late fees.

What happens to my payments and my payoff of the loan when you defer or extend my loan?

You are not required to make any payments during the deferment or extension period. However, we are not forgiving these payments, you are still required to make these payments. They are simply moved to the end of the term on your loan. Interest continues to be charged during the extension period.

How do I obtain a copy of my payment history?

You can access a history of all your loan payments after login. Go to the “Make A Payment” screen and select the “Payment History” tab.

My payment due dates do not match up with when I get paid, what can I do?

Please contact Skopos Customer Service at 1-855-475-6767 and we can help you change your current due date.

I was set up on recurring ACH before; what should I do now?

If you were set up on recurring ACH prior to April 2018, you are not required to do anything. We have migrated your recurring payment to our new payment vendor. Although you will not see your checking, savings or card information saved in “My Wallet”, they will continue to draft as they did previously.

If you choose to activate recurring payments on the “Recurring Payments” screen, then we may contact you to confirm that the old payment should be discontinued.

My Vehicle

My vehicle was in an accident, stolen, impounded, or repossessed, what do I do now?

After you file a report with the proper authority or organization (i.e. police, auto insurance, etc.), please contact Skopos Customer Service at 1-855-475-6767 to be directed to the proper department.

I have questions about my vehicle warranty, how can I get more information?

You can contact the dealership and request to speak with someone in finance or contact Skopos Customer Service at 1-855-475-6767.

Where should I send proof of insurance?

Skopos Financial, LLC
P.O. Box 800
Carmel, IN 46082

My Title

I moved to another state, how do I transfer my financed title to the new state?

Please refer to your new state’s DMV for its registration requirements. If your new state requires the title in order to register your car, please fax or email a request for the title on Department of Motor Vehicles letterhead to Skopos Titles Department 1-214-614-4166 or titles@skopos.us

I just had a legal name change, how do I change the name on my title?

We require two documents showing legal proof of the name change. We will need the scan of the updated Driver’s license or Social Security card, along with the document issuing the change (e.g. marriage certificate, divorce decree, court ordered document). Please fax or email documentation to Skopos Titles Department 1-214-614-4166 or titles@skopos.us. After you have faxed the required legal documents to Skopos, please refer to your local DMV for your states registration requirements and titling procedure.

The primary account holder has passed away, what are the necessary steps to take?

Please contact your local DMV/MVD. Some states require you to have an Executor of the Estate, some require you to go through Probate, etc. Once you obtain the requirements, please submit this documentation via fax or email to Skopos Titles Department at 1-214-614-4166 or titles@skopos.us.

Once complete, please contact Skopos Title Department at 1-214-614-4166 to verify documents were received and for additional steps.

I paid my vehicle off, when will my title be released?

If you have questions about when you will receive your title, please contact Skopos at 1-855-475-6767.

What do I do with the signed-off title that I received?

Please take the title to your local DMV to receive a title in your name as soon as possible. Refer to your DMV for specific guidelines.

What do I do if I misplaced the signed-off title?

Skopos will be able to provide a notarized Lien Release to provide to your DMV. Please call Skopos at 1-855-475-6767 for further assistance.

I am having issues with my first-time registration – the DMV says the vehicle title is still not in my name, how can I resolve this?

Please contact Skopos Customer Service at 1-855-475-6767.

Other

How can I add thise site to my Smartphone homepage?

Android

Launch Chrome for Android and open My Loan. Tap the menu button and tap Add to home screen. You’ll be able to enter a name for the shortcut and then Chrome will add it to your home screen.

The icon will appear on your home screen like any other app shortcut or widget, so you can drag it around and put it wherever you like. Chrome for Android loads the website as a “web app” when you tap the icon, so it will get its own entry in the app switcher and won’t have any browser interface getting in the way.

Other popular Android browsers also offer this feature. For example, Firefox for Android can do this if you tap the menu button, tap the Page option, and tap Add to Home Screen.

iPhone, iPad, & iPod Touch

Launch the Safari browser on Apple’s iOS and open My Loan. Tap the Share button on the browser’s toolbar — that’s the rectangle with an arrow pointing upward. It’s on the bar at the top of the screen on an iPad, and on the bar at the bottom of the screen on an iPhone or iPod Touch. Tap the Add to Home Screen icon in the Share menu.

You’ll be prompted to name the shortcut before tapping the Add button. The shortcut can be dragged around and placed anywhere, including in app folders — just like a normal app icon. (To create app folders on iOS, touch-and-drag an app’s icon onto another app’s icon and hold it there for a moment.) When you tap the icon, it will load the website in a normal tab inside the Safari browser app.

Other browsers, like Chrome for iOS, don’t offer this feature. Due the limitations in Apple’s iOS, only Apple’s own Safari browser is allowed to do this.

Windows 8, 8.1, RT

Windows 8, 8.1, and RT devices also offer a way to pin websites to your Start screen. This is obviously most useful on tablets, not on desktop PCs where you don’t want to see the Start screen. On the Windows desktop, you can pin My Loan to your taskbar for easier access.

First, open the modern Internet Explorer browser — that’s what you’re probably using on a tablet, anyway, as it offers the most touch-optimized experience. Navigate to My Loan, pull up the app bar — for example, by right-clicking or swiping up from the bottom of your screen — and tap the star icon. Tap the pin icon, enter a name for the shortcut, and click Pin to Start. The website will appear as a tile on your Start screen.

Tap the tile and the website will open in Internet Explorer. Some websites offer live tile support — Windows will use an associated RSS feed to display the latest headlines and updates from a site if you pin it to your Start screen. Most websites haven’t been configured to support this feature. If they have, you’ll see the updates after pinning it to your home screen.

Windows Phone

The process is similar on Windows Phone. First, open My Loan in Internet Explorer. Tap the More (…) button and tap Pin to Start in the menu that appears. Windows Phone 8.1 supports live tile updates from websites that have configured the feature, just as Windows 8 does.

What are 3rd Party Cookies and how do I enable them?

Skopos uses a secure, third-party payment gateway. Thus, making payments and managing your online wallet, require your browser to accept third-party cookies.

Cookies are pieces of data stored by web browsers that websites and applications can use to remember a web browser from one request to the next.

Many web browsers make a distinction between first-party and third-party cookies. First-party cookies are created by the web server identified by the address shown the browser’s address bar. Third-party cookies can be created when content is loaded from domains other than the one shown in the address bar.

Some browsers allow users to decide whether or not the third-party cookies should be accepted. To configure your browser to allow third-party cookies, follow the instructions for your chosen browser.

Safari

  1. Click Safari in the menu bar.
  2. Click Preferences
  3. Click the Privacy panel.
  4. For the option Cookies and website data, select Always allow*.

    *In older versions of Safari, for the option Block cookies, select Never

Internet Explorer

  1. Click the cog/tools menu icon in the upper right of the window.
  2. Click Internet Options.
  3. Click the Privacy tab.
  4. Click Sites
  5. In the Address of website field enter [*].cwplab.com and [*].cwplab.com. Be sure to include the square brackets before and after the asterisk.
  6. Click Allow, then OK.

Chrome

  1. Click the menu icon in the upper right side of the browser window.
  2. Click Settings.
  3. Click Show advanced settings
  4. Click Content settings
  5. Ensure the option Allow local data to be set (recommended) is selected.
  6. Click Manage exceptions
  7. In the field labeled Hostname pattern enter [*.]cwplab.com. Be sure to include the square brackets before and after the asterisk.
  8. Leave the Behavior drop down set to Allow, then click Done.

Firefox

  1. Click the menu icon.
  2. Open the Options window.

    For Windows users, click Options.
    For Mac OS users, click Preferences…

  3. Click the Privacy panel.
  4. In the History section, select Firefox will: Remember history.