Auto Lenders

Rate caps and repossession holds

For auto loan originators and captive finance companies. Civrel handles interest rate caps, repossession holds, and default judgment affidavits for auto loan portfolios.

Auto lending compliance illustration

Applicable SCRA Protections

§3937
Interest Rate Cap
6% maximum on pre-service auto loans during active duty
§3952
Repossession Protection
Court order required before repossessing; pre-service contract AND payment required
§3931
Default Judgment Protection
Affidavit of military status required before default

Platform Features

  • DMDC verification (single and batch)
  • Portfolio screening for auto loan books
  • Auto loan rate cap calculator
  • Repossession hold tracking
  • Pre-service contract/payment eligibility logic
  • Eligibility determination with statutory citations
  • SLA tracking and deadline alerts
  • Examiner-ready compliance reports
For Auto Lenders

See repo protection in action

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