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Mepco FAQs

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Q: Who is Mepco?

A: Founded in 1964, Mepco Finance Corporation services payment plans for providers of vehicle service contracts. Mepco has no involvement in the development, marketing, sale, claims processing activities, or other administration of these vehicle service contracts, and Mepco does not engage in any form of telemarketing.
Mepco is a wholly owned subsidiary of Independent Bank (NASDAQ: IBCP)

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Q: How can I access my account online?

A: You may easily and securely access your account details such as account status, remaining balance and even make payments by logging into your account here: webview.mepco.com
Your initial login information may be found on the Notice of Acceptance sent to you by Mepco. For your convenience, your username will appear on each subsequent notice sent to you by Mepco. If you have additional login questions, please contact Mepco Customer Service at (800) 397-6767 Monday – Friday from 8Am – 5Pm Central Standard Time.

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Q: How can I make a payment?

A: Mepco offers a variety of payment options:

  1. You may set your account up for automatic direct debits from a credit/debit card, or with your bank routing and account number by logging into your account here: webview.mepco.com
  2. You may call Mepco Customer Service at (800) 397-6767 and make a onetime payment using your debit/credit card or bank account and routing number.
  3. You may send your payment to Mepco using a check or money order – please do not send cash. It is important to indicate your Mepco account number in the memo portion of the check or money order. Please use the following payment addresses:

Payment Addresses (United States)

For US Mail:
Mepco Finance Corporation
PO Box 5978
Carol Stream, Illinois 60197-5978

For Overnight Delivery (UPS, FedEx, etc):

American Chartered Bank
20 North Martingale – Suite 600
Schaumburg, Illinois 60173
ATTN: Mepco 5978

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Q: Is there a grace period for payments? When will I be assessed a late charge?

A: All payment grace periods are governed by state law. In most cases, there is a grace period of between 5 and 10 days after the payment due date before late charges are assessed.

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Q: When will my account cancel for nonpayment?

A: Mepco will cancel your account for nonpayment approximately 30 days after the payment due date.

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Q: When will I receive my monthly bill?

A: If your account is set up for monthly invoices, and not any form of direct debit, Mepco will mail you an invoice approximately 24 days prior to the payment due date.

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Q: What does my vehicle service contract cover? Who should I call regarding repairs, or to submit a claim?

A: Due to Mepco’s sole role as the payment plan provider, all questions regarding coverage, claims, and repair authorizations must be directed to your Service Contract Administrator. Your Service Contract Administrator’s contact information appears on all notices sent to you by Mepco Finance Corporation.

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Q: How can I cancel my vehicle service contract? Am I entitled to a refund upon cancellation?

A: Due to Mepco’s sole role as the payment plan provider, we may only cancel your payment plan for nonpayment. If you wish to have your vehicle service contract cancelled, you must contact the Seller. Mepco recommends that you request cancellation of your vehicle service contract in writing and send a copy of the request to Mepco and the Service Contract Administrator. Additionally, all questions regarding applicable refunds due must be directed to the Seller. Your Seller’s contact information appears on all notices sent to you by Mepco Finance Corporation.

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Q: If my account is cancelled for nonpayment, am I eligible for reinstatement?

A: If your payment plan has been cancelled for nonpayment by Mepco, you may be eligible for reinstatement. In order for Mepco to request reinstatement of a cancelled payment plan from the Service Contract Administrator, all past due payments must be brought current. To confirm reinstatement, or eligibility for reinstatement, you must contact your Service Contract Administrator. Your Service Contract Administrator’s contact information appears on all notices sent to you by Mepco Finance Corporation.

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Mepco Finance Corporation, Billing Service, Chicago, IL