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Find the answers to your frequent questions.

Payments and Billing
CAN I MAKE MY ACCOUNT PAYMENTS ONLINE?
Yes. The one-time payment option is available HERE, and information about other payment methods is available on the How to Make a Payment.

To optimize your CNH Industrial Capital experience, enroll in My Account for secure and convenient access to your CNH Industrial Capital equipment account information from your computer or mobile device.
DOES CNH CAPITAL ACCEPT CREDIT CARDS AS A PAYMENT OPTION FOR RETAIL LOAN AND LEASE ACCOUNTS?
No. You can send in a check via mail, use our one-time payment feature, or enroll in automatic payments using your bank account information through My Account for an always on time payment.
HOW DO I ENROLL IN AUTOMATIC PAYMENTS?
You may set up automatic payments at any time online by registering for My Account. Once logged in, click the Payment icon, then click on ‘CLICK HERE FOR PAYMENT’. If you need additional assistance, you can use the Contact Us tab or call Customer Service at 1-800-501-5711.
HOW DO I CANCEL AUTOMATIC PAYMENTS?
If you are registered for My Account, you can access and cancel Automatic Payments there on your loan and lease accounts. To cancel Automatic Payments on your Productivity Plus account, please use the Contact Us tab or call Customer Service at 1-800-501-5711.
HOW DO I CANCEL RECURRING PAYMENTS?
You can cancel your recurring payments online any time using My Account. If you do not have a My Account or encounter difficulties, please contact our Customer Service Department at 1-800-501-5711.
DO YOU CHARGE A FEE FOR ELECTRONIC PAYMENTS?
We do not charge electronic payment fees.
HOW LONG DOES IT TAKE FOR MY PAYMENT TO POST TO MY ACCOUNT?
The payment method you choose can impact when a payment gets posted onto your account:

• Online, phone, or debit card payments will post immediately to the account upon submitting the transaction
• Electronic check payments can take up to 10 business days to reflect on your account depending on your bank’s processing period
• Bank wire payments can post to the account within 24-72 hours of submission
• Standard mail payments can take up to three weeks to post on your account from the sent date
CAN I MAKE ADDITONAL PAYMENTS TO MY PRODUCTIVITY PLUS ACCOUNT IF I’M ALREADY SET UP FOR AUTOMATIC PAYMENTS?
Yes, you can make additional payments while set up for automatic payments for the minimum amount due. Note: If the additional payment is less than the statement balance, the automatic payment will still pull the minimum payment amount.
CAN I DROP MY PAYMENT OFF AT THE DEALERSHIP WHERE I BOUGHT MY EQUIPMENT?
You should make your payments directly to us using one of the multiple payment methods we have available. Taking your payment to the dealership will not expedite the posting of your payment. Payments are posted the day they are received by CNH Industrial Capital, whether they are sent by you or the dealer.
WHAT SHOULD I DO IF MY MAILED PAYMENT ISN’T CREDITED TO MY ACCOUNT?
If you recently mailed a payment that is not yet posted to your account, please take the following steps:
• Confirm that the check was cashed by CNH Industrial Capital through your financial institution. If the check was not cashed, then CNH Industrial Capital likely has not yet received the mailed check. Standard mail can take 2 to 3 weeks to reach CNH Industrial Capital.
• If your payment was mailed over 30 days ago and remains uncashed, you may want to consider requesting a stop payment through your financial institution and issue a replacement payment through My Account.
• If your financial institution shows that CNH Industrial Capital has cashed the payment, but it is not reflecting on your account, contact our customer service department at 1-800-501-5711 or Contact Us.
WHERE DO I MAIL MY PAYMENT?
You can use the listed addresses below to mail in payments. Please allow fourteen business days or more for mail delivery. To ensure payments always arrive on time, register for automatic payments by enrolling in My Account.

• US Regular Mail: CNH Industrial Retail Accounts P.O. Box 71264 Philadelphia, PA 19176-6264
• US Overnight Services: FIS Lockbox c/o CNH Industrial Retail Accounts 100 Grove Road, Suite F West Deptford, NJ 08066
WHY IS THERE STILL A LIEN ON MY EQUIPMENT EVEN THOUGH MY BALANCE HAS BEEN PAID IN FULL?
CNH Industrial Capital files all liens in accordance with the Uniform Commercial Code for your jurisdiction when the contract is started. A lien continuation is filed on contracts longer than 60 months shortly before the original lien expires. CNH Industrial Capital only collects the amount needed to file the lien at the time of contract origination or in the event a continuation or amendment is filed in connection with the lien. If you request an early termination of a lien, CNH Industrial Capital will have the documents prepared and sent to you along with instructions for properly filing the termination in the appropriate government office. It is your responsibility to pay any termination fees.
WHAT TYPE OF BILLING STATEMENT OPTIONS DOES CNH CAPITAL OFFER?
CNH Capital offers you the option to receive paper statements sent via mail or the option to enroll in paperless statements using My Account online services.
WHERE CAN I FIND MY BILLING STATEMENTS ONLINE?
You can view and manage your billing statements online by enrolling in My Account. Switching to paperless statements allows you to access your statements anytime, anywhere, from any mobile device. Once you log in to your account, find the Account Documents tab to view your paperless statement.
HOW DO I REQUEST PAPERLESS STATEMENTS?
You can opt into paperless billing statements, you must first register for a My Account profile, then follow the steps below.
Navigate to the BILLING & PAYMENTS page for the correct account and select the Go Paperless tab. Review and agree to the Terms and Conditions and click AUTHORIZE to complete the enrollment.
Repeat the process for each additional account you wish to set up on paperless billing.
HOW LONG DOES IT TAKE TO RECEIVE MY PAID IN FULL DOCUMENTATION ONCE MY ACCOUNT HAS BEEN PAID OFF?
If certified funds are received, the Paid in Full documents and/or Title can be released by CNH Industrial Capital immediately upon request. Bank wires and certified bank checks are examples of certified funds.
If non-certified funds are received, the Paid in Full documents and/or Title will be released by CNH Industrial Capital in approximately 30 days after the receipt and acceptance of the final payment. Personal and business checks are examples of non-certified funds.
IS THERE A PENALTY IF I PAYOFF MY LOAN EARLY?
There are no penalties for paying off a loan early.
WHAT DO I NEED TO DO IF I AM SELLING MY CNH CAPITAL FINANCED EQUIPMENT THROUGH AN AUCTION COMPANY?
You will need to request an Auction Payoff Letter by using the Contact Us tab or calling the Customer Service Department at 800-501-5711. Please provide:

• Auction Company Name
• Auction Company Address
• The Date the auction is to take place
The equipment must sell for the payoff amount listed in the letter and the full payoff received by CNH Capital to close your account and release the lien.
HOW DO I GET A CREDIT REFERENCE?
We do not provide credit references. If documentation is needed for proof of payment history with CNH Industrial Capital, please send your request through the Contact Us tab for a Statement of Account to be sent to your preferred communication method.
WHEN ARE DELINQUENT PAYMENTS REPORTED TO THE CREDIT BUREAU?
Delinquent payments may be reported to the credit bureau starting at 30 days past due.
HOW CAN I DISPUTE A REPORTED DELINQUENT PAYMENT ON MY CREDIT REPORT?
If you feel your credit reporting is incorrect, the best method of dispute is directly through the credit bureau the delinquency is being reported on.
General
WHAT DO I DO IF I AM EXPERIENCING FINANCIAL HARDSHIP?
If you are experience financial hardship, we are here to help. You can call 1-800-777-0552 to discuss your options. If you prefer an agent contact, you please use the Contact Us tab.
WHERE CAN I FIND MY CUSTOMER PARTY NUMBER AND CONTRACT/ACCOUNT NUMBER?
The account or contract number will be listed on the main page of your contract. Account numbers are assigned to Productivity Plus accounts, and contract numbers are assigned to loan or lease accounts. Your customer or account/contract number is listed on your billing statement. You can also locate your customer number in My Account. Simply follow these steps:

• Click into the account you want to view
• Select the General Information tab, you will then see the customer number listed. Your customer or account/contract number is also listed on your billing statement.
CAN I GIVE A THIRD-PARTY ACCESS TO MY LOAN INFORMATION AND IF SO, HOW?
Yes, to provide third party access to your loan information, select the Contact Us tab and list the contact information for the third party you wish to grant access to, along with the duration of the access and any information limitations you want in place on their access.
DOES CNH CAPITAL OFFER DIRECT FINANCING?
CNH Capital does not offer direct financing options, other than Productivity Plus.
CAN I ACCESS MY RETAIL LOAN, LEASE, AND PRODUCTIVITY PLUS ACCOUNT INFORMATION ONLINE?
Yes. To access your account information online, you must first enroll in My Account. Once you have completed registration for the site, you may log in and access your account information anytime.
WHEN IS MY PRODUCTIVITY PLUS ACCOUNT, LOAN, OR LEASE CONSIDERED PAST DUE?
Payments are late when received after the due date described in the applicable billing statement. Late payments may result in late fees and additional finance changes.
HOW DO I REQUEST A SUBORDINATION OR LIEN WAIVER?
For other financial entities to become the primary lien holder on a piece of equipment, CNH Industrial Capital’s loan will need to be paid in full.
• Once the loan is paid in full, our lien can be released
• CNH Industrial Capital will not subordinate primary lien holder position if our loan is not paid in full
HOW DO I CHANGE MY TAX ID NUMBER?
To change the SSN/TIN on a loan, please complete a W9 form with the requested information and send the form to nacustomerserviceaccount@cnhind.com. The change will then be processed.
WHAT INFORMATION CAN I ACCESS ONLINE?
Enroll in My Account and get access to a variety of information, including but not limited to: CNH Industrial Capital contact information, mailing information, current loan, lease, and Productivity Plus general account information, statement documents, payoff requests, online payments, recurring or automatic payments, etc.
HOW CAN I APPLY FOR A NEW LOAN, LEASE, OR PRODUCTIVITY PLUS?
All applications for new loans, leases, or Productivity Plus accounts can be completed at your local CNH Industrial dealership.
DO I NEED TO USE THE EMAIL CURRENTLY ON FILE FOR MY ACCOUNT REGISTRATION?
Any email is acceptable. You are not required to use the email on file for the creation of a My Account profile.
IF I DO NOT KNOW THE ANSWERS TO MY SECURITY QUESTIONS, WHAT DO I DO NEXT?
• If you do not remember the answers to your security questions, your account will need to be reset, and you will need to create a new profile with new security questions.
• To do this, please call 1-800-501-5711 with the request or select the Contact Us tab.
HOW DO I RESET MY PASSWORD FOR MY ONLINE PROFILE?
To reset your password, select the ‘Forgot Password link’ located at the bottom of the sign in page. You will receive an email with a temporary link to reset your password. Follow the prompts to reset your password.

If your account has been locked or need additional assistance you can call us at 1-800-501-5711.
WHOM SHOULD I CONTACT TO SHARE A CONCERN REGARDING MY EQUIPMENT?
Please discuss technical equipment issues with the original selling Dealer. If the dealer is unable to assist or you are unsatisfied with their assistance, please contact one of the phone number’s below:

Equipment Brand: Case IH Phone: 877-422-7344 Email: NACustomerRelations@caseih.com Equipment Brand: Case CE Phone: 866-542-2736 Email: NACustomerRelations@casece.com Equipment Brand: New Holland Phone: 866-639-4563 Email: NACustomerRelations@newholland.com

CNH Industrial Capital America LLC does not provide any equipment warranties or equipment support.
WHAT ARE MY OPTIONS WHEN MY LEASE MATURES?
You have two options: to purchase or return the equipment. If you wish to purchase or discuss a potential lease extension, please contact your local dealer or call the Lease End Team at 1-800-930-6591. If the equipment is returned, it will be inspected and may be subject to additional charges such as wear and tear or reconditioning. The lessee is billed for any fees and charges.

CAN I RETURN MY LEASED EQUIPMENT EARLY?
You can return your leased equipment early if all remaining lease payments have been made. The equipment is still subject to wear and tear fees, etc. after it is returned and inspected.
WHAT SHOULD I DO IF I’M BEING CHARGED SALES TAX ON MY LEASE, BUT I AM TAX EXEMPT?
Please send a copy of your tax exemption form to Contact Us referencing your account number with a brief description of the situation. CNH Capital will review the account and reach out with an update.
DO I GET MONEY BACK IF I RETURN MY LEASED EQUIPMENT UNDER HOURS?
No, if your leased equipment is returned under the scheduled hours per your lease agreement, you will not be issued a refund.
Insurance
WHAT IF I NO LONGER WANT OR NEED THE INSURANCE THAT I HAVE FINANCED WITH CNH CAPITAL?
If you wish to cancel your financed insurance prior to paying your account in full, you must provide proof of active insurance coverage with CNH Capital as the loss payee. Maintaining insurance coverage is a requirement of your financing agreement. Proof of replacement coverage must be received prior to cancelling your existing CNH Capital insurance policy. Please contact Customer Service at 1-800-501-5711 for more information.
WHERE DO I SEND THE INSURANCE CHECK IF MY EQUIPMENT WAS DEEMED A TOTAL LOSS?
Insurance checks should be sent to CNH Industrial Capital at the address shown below. If you are listed as loss payee, please endorse the check prior to mailing.

• Overnight or Trackable Mail: MS 535 500 Diller Ave., New Holland, PA 17557
• Standard Mail: PO Box 1700, New Holland PA 17557
WHAT DO I DO WITH MY INSURANCE CHECK FOR REPAIRS IF CNH CAPITAL AND I ARE LISTED AS PAYEES?
If Third Party Completes Repairs
• Please provide proof repairs were completed. Acceptable proof is a repair bill marked paid or repairs complete.
• CNH Capital will pay the company who repaired the equipment for the repair bill if the insurance check amount is adequate.
If Customer Completes Repairs
• Please obtain a legitimate condition report from a dealer or acceptable party.
• Funds will be released to the customer as soon as the condition report is reviewed and deemed legitimate. Funds will not be released until repairs are complete.
WHAT ADDRESS DO I USE TO SUBMIT MY INSURANCE BINDER?
CNH Industrial Capital America LLC, P.O. BOX 71264 Philadelphia, PA 19176-6264
Productivity Plus
HOW CAN I DISPUTE A TRANSACTION ON MY PRODUCTIVITY PLUS ACCOUNT?
You should report unauthorized account use or a lost or stolen card immediately. Start by calling our Customer Service Center at 1-800-501-5711. Notify us in case of errors or questions about your statement. If you think your statement is wrong, or if you need more information about a transaction on your statement, contact us by mail at CNH Industrial Accounts, PO Box 71264, Philadelphia, PA 19176-6264, or by facsimile at 1-866-439-9549. We must hear from you in writing or by facsimile no later than 60 days after we sent you the first statement on which the error or problem appeared. In your correspondence, include the following information:
• Your name and account number.
• The date and dollar amount of the suspected error.
• The transaction reference number from your statement.
• The date of the statement on which the error first appeared.
Describe the error and explain, if you can, why you believe there is an error. If the error involves an inaccurate or unrecognized transaction, include any steps you have taken to address the error with the merchant. If you need more information, describe the item you are unsure about.
WHAT SHOULD I DO IF MY CARD HAS BEEN LOST OR STOLEN?
Please call our Customer Service Department immediately at 1-800-501-5711.
WHAT IS A PROMOTIONAL PURCHASE?
A promotional purchase is a transaction that was assigned special promotional conditions by the dealer at the time of purchase. An example would be no payment or interest for 30 days.
HOW DO I FREEZE MY PRODUCTIVITY PLUS ACCOUNT?
Please call us at 1-800-501-5711 to request your account to be frozen.