Customer FAQ

frequently asked questions

Your one-stop-shop for all your leasing, insurance, payment, and credit answers. If you have the question, chances are we already have the answer. If not, we can certainly find out for you. See below for some of our most frequently asked questions or contact us.

If a credit application was submitted to CAL by a car dealership and you have any questions regarding the credit decision, you may discuss the outcome with your dealer or contact the credit agencies below for a copy of your report. As an indirect lender, CAL cannot discuss credit decisions directly with a consumer.

Experian: 800.846.5279
TransUnion: 800.882.8105
Equifax: 800.685.5000

Warning!  CAL Automotive has become aware of a third party website (Doxo) which claims to offer bill pay services to a variety of Banks and other service providers for a fee.  While our company information and website is listed on their site, this company is in no way affiliated with CAL Automotive.  CAL Automotive cannot control when we will receive payments from third party companies.   Please contact us directly at 609-807-3200 if you have any questions about setting up online payments.

Payment Notification
You will receive a coupon book and mailing labels to make your monthly payments. As a new customer, refer to your lease agreement for your next payment due date (usually 30 days from delivery of your vehicle). If at that point you have not received your coupon book, please contact our Customer Service Department directly at 609.807.3200.

Payment Options

Mail – You may send a check with your coupon stub to make a monthly payment.
Bill Pay – You may choose to set up your monthly payment through your bank’s online bill pay.
Online – You may set up a one-time or recurring payment through the website. Click here to register

Lost Coupon Book
Please contact our Customer Service Department at 609.807.3200. A representative will gladly order a new one for you. Call immediately to avoid late payments and late charges.

Making Payments In Advance
You may prepay on your lease at any time, but there is no savings advantage. Prepaid base rent will be reflected as a credit balance next to 'Amount Due' on your Account Details summary.

Changes In Payment Amount
In some states, your monthly payments may include local and/or state sales tax. If there is a change in tax rate in the area you reside, or you move to a different state, your monthly payment may be affected.

Please note that vanWagenen Financial Services in Minneapolis, MN is the Insurance Tracking Company for CAL Automotive.  Customers may receive communications requesting insurance information directly from vanWagenen Financial Services.  Please follow any instructions on correspondence received and respond directly to vanWagenen Financial Services.

Accident and Theft
If your vehicle has been stolen or involved in an accident, our Insurance Department can help protect your rights and assist you in handling these claims. As part of your lease agreement, any accident or theft should be reported to CAL immediately.

Call us at 609.807.3200.

Required Insurance Coverage

  • $100,000 per person
  • $300,000 per accident
  • $50,000 property damage
  • Deductibles: Maximum of $500 for both comprehensive and collision

Insurance Check Endorsement
If you have received an insurance check made payable to CAL Automotive, please mail us the check(s) along with the following documents:

  • Insurance Estimate(s)
  • Bodyshop Work Order
  • Paid Invoice
  • Police Report

Mailing Address:
CAL Automotive
Attn: Insurance Dept
4556 S Broad St.
Yardville, NJ 08620

If all required documentation is in order, the check(s) will be endorsed and returned to you within one week. Check(s) are sent via regular mail unless a prepaid package is provided.

Initial Vehicle Registration
Initial registration is handled by your dealer at delivery.

Registration Renewal
New Jersey – NJ Motor Vehicle Commission will send your registration application to CAL, and we will forward it to you. Follow the instructions and mail the application as directed to Motor Vehicle along with your fee. The registration will be sent to CAL and, upon receipt, we will forward it to you immediately.
New York & Pennsylvania – You will receive registration materials directly from the Motor Vehicle Agency.

Lost Registration
Please contact our Title and Registration Department at 609.807.3200. Our representatives will be happy to assist and provide you with any of the necessary documentation.

Receipt of Title After Purchase
Release of title after purchase is determined by manner of payment. Once you receive your title, you must take it to your local motor vehicle agency within 10 days to transfer ownership.
Bank or Certified Check – Approximately 3 days after receipt of payment
Other Payment Types – Up to 3 weeks after receipt of payment

Prior to your move to another state, contact our Title and Registration Department at 609-807-3200, Ext. 9509 to discuss area restrictions and receive our written consent to move the vehicle, as outlined in your lease agreement under OPERATION OF THE VEHICLE.  Please be aware that at lease end the vehicle must be returned to the area from which it was originally leased.

Research local registration and tax requirements in the area to which you are moving.  Your monthly payment may change as a result of a change in local and/or state tax.

A representative from our Remarketing Department will contact you before the end of your lease to review your options. You may contact our Remarketing Department at 609.807.3200.

Return Your Vehicle – If you decide to return the vehicle, we will arrange a convenient appointment to pick it up from you, as per the terms of your lease. We will then provide you with a statement of your account.

Disposition Fee – This charge applies to vehicles that are returned and can be found in your lease agreement. The charge is designed to offset expenses associated with the sale of the vehicle.

Excess Mileage – See your lease agreement for the amount of mileage allowed in the lease, and the charge for each mile in excess of that amount. These charges are subject to sales tax.

Excess Wear and Use – If applicable, only a CAL authorized independent, licensed appraiser can determine these items and the charges due. These charges are subject to sales tax. Description of Excess Wear and Use

Vehicle Inspection And Return
Although most of the vehicles returned to us incur no charges for excess wear or use, you may desire to have an inspection performed prior to the return of your lease vehicle. We recommend that you make these arrangements about a month in advance of your maturity date to allow the company you select the ability to complete your appointment prior to the end of your lease.

We make no recommendations as to selection of vehicle appraisers. They should be licensed by the state you reside in to ensure that the report can be considered relevant.

If you are near the end of your lease, please contact our Remarketing Department at 609.807.3200.

Payoff Quote Requests

  • Request a Payoff Quote at Request Payoff; or call our Customer Service Department at 609-807-3200, Ext. 9508
  • Make your check payable to CAL and include a completed and signed odometer statement with your payment to:

CAL Automotive
4556 S Broad St.
Yardville, NJ 08620

Prior to your move, contact our Title and Registration Department at 609.807.3200 to discuss area restrictions and obligations pertaining to the return of the vehicle at lease end.

Research local registration and tax requirements in the area to which you are moving. Your monthly payment amount may change as a result of a change in local and/or state tax.

Update your address online

Assumption of Lease
Although the assumption of a lease from the original lessee to another party is considered under certain circumstances, the original lessee remains responsible under the original terms of their agreement and for that reason it is not encouraged.

All transfers are subject to approval by CAL. For questions, please call our Customer Service Department at 609.807.3200.

CAL Automotive
4556 S Broad Street
Yardville, NJ 08620
Phone: (609)-807-3200 Fax: (609)-807-3190 Email: