carhop.com/pay or universalacceptance.com.
CarHop Auto Sales and Finance operates buy-here-pay-here dealership locations across 14 states, helping drivers with bad credit or no credit get reliable used vehicles backed by an 18-month/18,000-mile limited warranty and monthly reporting to major credit bureaus to help rebuild credit scores.
Whether you need to log in to the Universal Acceptance Corporation (UAC) borrower portal, submit an immediate one-time guest payment via debit card, enroll in recurring weekly, bi-weekly, or monthly AutoPay bank drafts, generate a 10-day payoff quote, or contact customer care, this comprehensive guide covers every payment channel and customer support contact.
CarHop Payment Options Overview
Compare available payment options, fees, and posting speeds:
| Payment Channel | Convenience Fee | Posting Speed |
|---|---|---|
| CarHop / UAC Online Portal (ACH / Debit) | $0.00 (Free ACH) / $3.95 Debit | Same-Day Posting |
| AutoPay (Automatic Bank Draft) | $0.00 (Free) | On Scheduled Due Date |
| CarHop Dealership Stores | $0.00 (Free) | Immediate Same-Day Credit |
| Automated Phone System (IVR) | $3.95 debit fee / Free ACH | Instant Confirmation |
How to Pay Your CarHop Bill Online (Step-by-Step)
- Navigate to: carhop.com/pay (or via
universalacceptance.com). - Click “Make a Payment Online”.
- Enter your UAC Account Number and Date of Birth.
- Enter payment method: Checking/Savings Account (ACH) or Debit Card.
- Choose payment amount and confirm submission to receive an instant electronic receipt.
Alternative Payment Channels
- AutoPay Setup: Align automated payments with your weekly or bi-weekly payroll schedule to ensure payments are never missed.
- CarHop Store Locations: Pay in person with cash, money order, or cashier’s check at any CarHop dealership branch.
- Pay by Phone: Call Universal Acceptance Corporation (UAC) automated telephone banking toll-free at 1-800-890-2885.
- Pay by Mail: Send payment check or money order with statement coupon to:
Universal Acceptance Corporation
P.O. Box 5070
Hopkins, MN 55343-5070 - Cash Pay at Retailers: Pay cash at Western Union (City Code:
UNIVERSAL / MN) or MoneyGram (Receive Code:4568).
CarHop / UAC Customer Service Directory
- Borrower Customer Service: 1-800-890-2885 (Mon–Fri 8:00 AM – 7:00 PM CST, Sat 9:00 AM – 1:00 PM CST)
- Payment Assistance & Extension: 1-800-890-2885
- Hearing Impaired (TTY): 711
- Official Website: carhop.com
- Servicing Affiliate: Universal Acceptance Corporation (UAC), Hopkins, MN
Frequently Asked Questions (FAQ)
Does CarHop report to credit bureaus?
Yes. Universal Acceptance Corporation reports monthly payment history to all three major credit bureaus (Equifax, Experian, TransUnion) to help borrowers build and repair credit.
Can I pay weekly or bi-weekly?
Yes. CarHop financing offers flexible payment schedules aligned directly with your payroll paydays (weekly, every two weeks, twice monthly, or monthly).
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Disclaimer: BillPayment.guide is an independent automotive finance guide and is not affiliated with, endorsed by, or operated by CarHop Auto Sales and Finance or Universal Acceptance Corporation. All trademarks belong to their respective owners.
Anisur Rahman brings over 17 years of experience at the intersection of complex technology and digital strategy to BillPayment.guide. Active in the digital space since 2009, Anisur uses his deep industry insights to break down financial technologies, secure online payment methods, and digital platforms. His actionable guides help readers navigate the fast-paced digital economy and manage their online transactions with confidence.
