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Email Customer.Service@BriteFinancial.com with any changes in address, phone number, email address or employer. This will ensure we can contact you in a timely manner and that you will receive any notifications we may send out.
Click here to review other feedback or leave new feedback for our team.
Contact the CARite dealership where you leased the vehicle if there is a mechanical issue.
Contact Brite At 248-565-3000 or Payoff@BriteFinancial.com to receive a payoff quote.
If you are past due on your payment, it’s possible the vehicle was temporarily disabled because of the past due balance. Contact Brite to verify this. If the vehicle was not disabled, contact CARite to have the vehicle brought to their nearest location for further inspection.
Refinancing with your bank or credit union can be done at any time with no early payment penalty fees.
Per your lease agreement, you may not take the vehicle out of the state where you leased it for more than 30 days. Exceptions may be made if you move to a state where there is a CARite dealership.
There is no interest paid in your lease. Instead, you pay rent charges. To find out the exact amount, contact Brite at 248-565-3000.
Contact Brite at 248-565-3000 to verify that we have the correct information for you. If not, your information will be updated promptly by a Brite representative.
See page 2, section 4 of your lease to see if you have a service contract.
Any additional add-ons to the vehicle must be approved by Brite. Call 248-565-3000 to see if you’re able to add equipment to the Vehicle.
Since the vehicle is a lease, Brite Financial holds the physical title to the vehicle unless the vehicle is paid off.
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Brite’s receiver code is 4474. Your account number is The last 6 digits of your VIN. You can also use your Stock Number as the MoneyGram account number.
You may contact Brite to see if you're eligible for a payment arrangement.
We apply first to CPI, sales tax, any late fees or NSF fees, rent charges, incidental costs incurred by Brite on your behalf (unpaid tolls, registration, impound fees, etc) and the remainder is then applied to you lease balance unless otherwise dictated by your Lease Agreement.
The balance shown on your receipt is the outstanding lease balance. This does not include sales tax or rent charges. If you want to know the entire amount to pay off your lease, contact a Brite representative.
Contact Brite at 248-565-3000 or Questions@BriteFinancial.com to request a copy of your contract.
It may be possible to lower your payments by refinancing the vehicle with a bank or Credit Union.
Yes! Anything over your regular payment made will be allocated first toward sales tax, then toward the remaining lease balance.
Yes. Contact Brite At 248-565-3000 and inform a representative that you’d like to make a payment toward your overage.
You can view your payment history by logging onto your online account. If you don't have an online account, signing up is easy!Just Visit this link
Unfortunately, Brite Financial is no longer able to change payment due dates. If the date you get paid changes please reach out to speak to a representative about alternative options.
See your contract titled ‘Closed End Vehicle Lease Agreement’ - page 1 for the breakdown of your down payment.
See page 2, section 6 of your contract .
See page 1, section D of your lease agreement titled ‘Total Of Payments’.
It is not possible to remove any of the lessees on the contract.
Our leases typically range from 24 to 48 months. See page 1, section B of your lease titled ‘Periodic Payments’.
See page 1, section 1 of your lease titled ‘Agreement To Lease’.
Typical Brite leases allow 18,000 miles per year. This breaks down to 50 miles per day. See page 1, section I of your lease titled ‘Excessive Wear And Use’.
Typically 15 cents per mile. See page 1, section I of your lease titled ‘Excessive Wear and Use’.
When the unpaid payment becomes 10 days past due.
We know that your credit score is important to you. Having a good credit score can help you to qualify for financing needed to buy a car, home, and other high value items. We want to help all of our customers to improve their credit score. Brite Financial Services reports credit information to all three major credit bureau agencies (Experian, Equifax, and Transunion). Though we submit information to the bureaus each month, the bureaus have 30 days from the time they receive our data to update a consumer’s credit report. If you believe that there is an error or omission in the information that we have reported about your Brite Financial account, you can submit a dispute to: 1. The consumer reporting agency that provided you with a report, OR 2. Brite Financial Services. To submit a dispute with the reporting credit agencies, please go to the applicable link below.
Click on 'Make Payment' and view the link under ‘Set Up Recurring Payments’ to download the necessary form. Completed and signed Auto Pay Forms can be emailed to Customer.Service@Britefinancial.com or faxed to 248-655-7691. After sending please call Brite at 248-565-3000 and select the menu option for Customer Service. They will verify if your AutoPay form was received.
Submit a cancellation statement through email or fax. You can get a cancellation statement by calling Brite At 248-565-3000 to speak with a Customer Service Representative. AutoPay can take up to 10 days to cancel.
If the payment comes directly out of your checking or savings account, there will be a
$15 NSF fee if the payment is rejected by your bank. However, if you have AutoPay set up with a credit or debit card, there is no fee charged if a payment is declined.
Automatic Payments are usually deducted between 12am and 6am EST.
Contact your bank to inquire why your payment didn’t go through.
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Yes, your auto pay will remain in effect unless you submit a cancellation statement to Brite.
Up to 10 days.
We report to all 3 credit bureaus; Experian, Equifax, and Transunion.
Every 30 days.
The automatic payment system attempts to take the payment up to three times per day.
Credit bureaus can take up to 90 days to reflect any changes in your account.
Not all credit check sources are completely reliable. Visit annualcreditreport.com to view your true credit report. If you still believe information is inaccurate, contact Brite at 248-565-3000 or complete this form.
The balance on your credit report includes all payments you are scheduled to make, including rent charges, and the lease balance.
CPI is not insurance. It does not cover anything other than your lienholder's interest in the vehicle. This is not a product you can purchase or request. If you do not have your own insurance policy we may force-place your account and begin billing you (at cost) for this policy. If you believe you have been charged in error you must immediately notify the Insurance Department. No refunds will be given for CPI premium.
You must maintain (at least) state-minimum liability coverage in addition to full collision and comprehensive insurance. Your collision and comp deductibles must be no higher than $1,500. Brite Financial must also be listed as an additional insured and as the lienholder or loss payee.
You should first immediately contact the police department of the city in which the vehicle was stolen and complete a stolen vehicle report. You must also contact Brite Financial immediately to report the vehicle as stolen. We may be able to help locate the vehicle. If the vehicle is not recovered, you'll need to file a claim with your insurance company.
Yes, Brite should be notified of any changes to insurance. Send proof of insurance to Insurance@BriteFinancial.com or fax to 248-655-7691. After sending, please contact Brite's Insurance Department at 248-565-3000 to verify your insurance was received.
You may purchase the vehicle you have been leasing, purchase or lease a new vehicle at a CARite location, or simply turn the vehicle in and walk away*. See our End of Lease page for more details.
Contact Brite at 248-565-3000 to pay off your vehicle. The amount to purchase your vehicle is the residual value in your contract less your security deposit.
Your current lease needs to be active for at least 2 years. At that time, you must be current with all payments. You can then visit the originating dealership to review options for an early exchange. Typically the dealership will also require that any excess wear and mileage is paid for prior to approving your exchange.
In general, you have 15 days from the date of repossession, unless local laws dictate otherwise.
30 days from the date of repossession.
There is no fee for purchasing the vehicle before the lease is over.
A $450 Disposition Fee Comes Out Of Your Security Deposit And You’ll Get The Remaining Security Deposit Back As Long As There Is No
Damage Or Over Mileage To The Vehicle, Any Past Due Amounts Or Other Outstanding Fees Owed.
Your original security deposit can transfer over to your new vehicle purchase assuming your account is current and the vehicle is returned with no damage or excess miles.
We are unable to defer any lease payments to the end of the lease.
There is a $450 exchange fee. Additional amounts required will vary based on the vehicle and deal structure you choose.
Body or mechanical damage that exceeds normal wear and tear. For further details, visit this link to see the specifics.
Contact Brite to give the mileage on the vehicle and your mailing address. After doing
this, your title should arrive within 5 business days.
Schedule an appointment with any participating CARite dealership. The GPS will be removed free-of-charge.