Customer FAQ

We recommend that you contact our Customer Care Department by clicking on the Contact Us button, call (800) 994-0016 or email AEFcustomercare@goamur.com to receive a copy of your contract.

The two biggest differences  between an EFA and a simple interest or consumer loan are 1.) EFAs have no stated interest rates, and 2.) There is no breakdown between principal and interest in EFA contracts. The Finance charges are calculated into a stream of fixed contractual payments over a course of the chosen term.  The customer is responsible for the gross contract amount, which is the sum of the contractual payments.

We do not provide amortization schedules for our Equipment Finance Agreement (EFA). Each Periodic Payment you make to us under the EFA includes (1) a partial repayment of the Financed Amount and (2) a portion of the Finance Charge, which represents the cost to you, the customer, of the credit we extended.  The Finance Charge is comparable to the total interest cost on any loan.

Calculating Finance Charges

You can calculate the finance charges by using the following formulas:

• Term x (times) Payment Amount(s) = Total Payment Obligation
• Total Payment Obligation – (minus) Financed Amount = Total Finance Charges for the Contract

You will be provided a link on 01.01.(YEAR) of when your yearend balance information is available for the previous year.  Clicking on this link will provide you with a letter showing your yearend balance.  If any additional information is needed, we recommend that you contact our Customer Care Department by clicking on the Contact Us button, contact us on Chat, call (800) 994-0016 or email AEFcustomercare@goamur.com.

Amur holds titles until the end of your contract term. Once the contract has been satisfied, you can expect to receive it within 30 business days. Release time may vary due to state requirements. If you are purchasing from the same state as the registration, your vendor will handle the processing. If you are purchasing the equipment from a different state than where you are registering, the title will be sent to Amur for processing. Once Amur receives your title, it will take 5-7 business days to process.

We recommend that you contact our Customer Care Department by clicking on the Contact Us button, call (800) 994-0016 or email AEFcustomercare@goamur.com to request a copy of your title.

It is the policy of Amur to allow full prepayment of a Contract prior to the end of its Term, provided your account is in good standing with us and you have made no less than 12 timely Periodic Payments at the time of the prepayment process.

We recommend that you contact our Customer Care Department by clicking on the Contact Us button, call (800) 994-0016 or email AEFcustomercare@goamur.com to request payment history.

You may refer to the Estimated Payoff entry within the Customer Center.  If you need the amount in a letter, you can click on the "Request Payoff" button. This will provide you with an Estimated Payoff letter. Once you are ready to payoff the contract and need an official Payoff letter, contact our Customer Care Department by clicking on the Contact Us button, call (800) 994-0016 or email AEFcustomercare@goamur.com and our Customer Care team will generate an official payoff letter within 24 hours.

We recommend that you contact our Customer Care Department by clicking on the Contact Us button, contact us on Chat, call (800) 994-0016 or email AEFcustomercare@amuref.com to change your payment due date.

You may make a payment by clicking on the "Make Payment" button on the upper right corner of the website. This will take you to our bill payment site called E-Bill. You can either make a one-time payment as a guest or you can create an account for faster return visits.  Either option will require you to have your Customer # for access. Customer Care is also available at (800) 994-0016 for assistance.

We recommend that you contact our Customer Care Department by clicking on the Contact Us button, call (800) 994-0016 or email AEFcustomercare@goamur.com to add an additional contact.

You may change your password by clicking on the “Forgot your password” link. Next, you will be asked to provide your username or email address. You may then click above on “Request new password” link and a system-generated email will be generated and sent to your email address with further instructions.

In the upper right-hand corner, click on your initials or avitar, select account settings and edit your personal information. Click save to notify our Customer Care department of any changes made to your email address, mailing address, or phone number.