C&F Finance: Customer Service, Reviews & Locations at a Glance

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C&F Finance is one of the leading firms in the finance and loan sector.

It offers indirect auto loans to dealers and customers in different parts of the US. This company is a subsidiary of the Citizens and Farmers bank.

This article will reveal all there is to know about C&F Finance while answering some frequently asked questions about the organization.

Keep reading to find out more…

What Does C&F Finance Mean?

It is a subsidiary of C&F Bank. C&F is an acronym for Citizens and Farmers Finance, where C stands for Citizens and F stands for Farmers.

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Who is C&F Finance?

Since 2002, when Citizens and Farmers Bank bought Richmond-based Moore Loans, which was established in 1952, C&F Finance Company has been a fully owned subsidiary of the bank.

C&F Financing Company is a finance company that specializes in providing several kinds of loans, ranging from automobile, marine, and RV loans to vehicle loans in several locations, including Virginia, Maryland, Tennessee, North Carolina, and other regions of the United States.

Where is C&F Finance Located?

C&F Finance operates in several cities including, Alabama, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Minnesota, Missouri, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and West Virginia.

The headquarters is in Richmond, Virginia.

What is the C&F Finance Customer Service Number?

If you experience any difficulty or issues during the transaction with C&F Finance or for further information, you can contact customer service.

Customer service can be contacted on-site in any of their active branches, or you can contact them virtually via email or phone number.

C&F Finance Customer Service Number

  • Address: C&F Finance Company, 5500 Audubon Drive, Henrico, Virginia 23231
  • Email: customerservice@cffinance.com
  • Phone Number: 1-855-602-2001
  • Mailing Address: C&F Finance Company, PO Box 38456, Henrico, VA 23231

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How Can I Access C&F Finance Online?

Regardless of ability, C&F Finance is dedicated to providing top-notch service to all of its clients.

They make sure the website is simple to use, browse, and engage with. Their objective is to eliminate obstacles for users.

In order to make it easier for all visitors to access the information on its website, C&F Finance is aware of this need and works carefully to meet it.

C&F Finance makes an effort to adhere to the Web Content Accessibility Guidelines established by the World Wide Web Consortium.

These specifications were developed in order to establish uniform protocols that would encourage ability-neutral access.

Where Can I Download C&F App?

The app is compatible with both android and iOS devices and can be downloaded from the google play store or Apple apps store.

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C&F Finance Payoff Number

Your payback amount is the real amount you will need to pay to satisfy the terms and conditions of your mortgage loan and fully settle your debt.

Your payback amount is different from your current balance.

To pay off your loan or find out your repayment amount, you can visit the website or check the mobile app for the loan repayment calculator and number.

How Does C&F Finance’s Repossession Work?

The company would offer this alternative to you if you were pre-qualified throughout the application process for your vehicle loan in order to get you a cheaper interest rate.

Some banking institutions provide rate reductions for signing up for autopay (to reduce your interest expense and lower your monthly payment).

What is the C&F Finance Loan Address?

Alabama, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Minnesota, Missouri, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and West Virginia are just a few of the cities where C&F Finance has locations.

However, Richmond, Virginia, serves as the home office.

Executive Leadership

In January 2015, Thomas F. Cherry was elected as the bank’s fourth president. He now holds the positions of C&F Financial Corporation and C&F Bank’s CEO.

The executive chairman of C&F Financial Corporation and C&F Bank is still Larry G. Dillon.

Incredibly, Mr. Cherry is only the fourth bank president in the organization’s 90-year existence.

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List of Dealers that Use C&F Financing

Leading indirect lender, C&F Finance Company offers car loans across several states in the United States.

For the duration of the contracts’ lives, C&F Finance offers complete assistance to the borrowers of those loans after obtaining retail installment sales contracts from authorized dealers.

Some of the dealers affiliated with C&F Finance are

For more information, check out the website.

What are the Hours of Work?

The hours of work for each of the branches of C&F are the same as the headquarters.

The office is fully functional on Mondays – Fridays 8:30 am – 5:15 pm EST.

C&F Finance Loan Deferment

The grace period for late payments under C & F Finance Company’s policy ranges from 7 to 15 days.

Grace periods differ from lender to lender, and as a result of the coronavirus outbreak, banks are now much more understanding with their customers.

The least late cost we’ve seen was 5% of the monthly payment amount, although late rates vary greatly for every loan.

However, unless you have an emergency, we highly advise against taking advantage of the grace period.

Your credit would be in jeopardy, which might have a long-lasting, detrimental effect on your personal finances.

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C&F Finance Auto Repossession

State-by-state variations in repossession laws allow for a period of 3 to 5 months following the end of your loan with the Company.

What constitutes a default is specified in each specific retail and installment contract, the agreement you signed when you obtained your vehicle and loan.

In some jurisdictions and contracts, being in default for 45 days (or a month and a half) even results in a repossession.

When you stopped paying payments, you entered default, and you remain in default as long as you haven’t paid the late fees owed to the Company.

How Can I Log in to C&F Finance?

Here is a step-by-step guide on how to login your account

  1. visit the website and select the Online Payment option
C&P Finance -  Home

Step 2: Enter your Login details

C&F Finance Login Page

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Does C&F Finance Report If I Am 3 days Late?

Repossession may occur 3 to 5 months after your loan with C & F Finance Company has ended due to state-by-state changes in repossession rules.

Being in default for 45 days (or a month and a half) even leads to repossession in some jurisdictions and contracts.

You went into default when you stopped making payments, and you will continue to be in default as long as the late fees owing to C & F Finance Company are unpaid.

Even if you make up all of your past-due payments and make C & F Finance Company whole, you may still be in default.

To avoid being in default for very long, you must pay C & F Finance Company whatever you owe, including fees.

C&F Finance Employee Review

According to employee ratings on Indeed.com, it has a 3-star rating with loads of good reviews from the employees.

The workers praised the company for its fair management, strong work-life balance, and positive, healthy working conditions.

They also commended the management’s high level of commitment to charitable work and their gratitude and respect for their staff.

Finally, C&F Finance Company is a fantastic location to advance your career.

The business is expertly run, and the employees are enthusiastic about people and culture.

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How Can I Make a C&F Finance Online Payment?

To make an online payment, here are the steps to follow


  1. visit the website
  2. Navigate to My Account
  3. Hover around it to bring out the menu
  4. Select payment option

How Can I Start a Career in C&F Finance?

C&F agree that great employees are the foundation of their business’ success.

Regardless of the job, all of their employees are carefully chosen, and they are held to a high standard of performance.

They take great satisfaction in really adopting a culture and mindset that emphasizes cooperation in all that they do.

They firmly believe in the slogan “One Team, One Goal,” which can only be realized by spending money on the most crucial assets—the personnel.

Therefore, you might want to think about exploring career options with them, especially, if you also have a desire for working hard and receiving rewards and recognition for your efforts.

Additionally, there are some perks to working with C&F finance, including medical insurance, dental insurance, paid vacations, leadership, and skills training.

For Further Information on available Job roles, Visit the website

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If you’re thinking about acquiring auto finance, it might be wise to look into C&F Finance.

It is among the top financial companies in the US. This article gives you in-depth details about C$F Finance that might aid you in coming to a conclusion.


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