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Can You Pay Honda Financial With a Credit Card?
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Quick Answer
No. American Honda Finance Corporation, which runs Honda Financial Services, says it is unable to accept credit cards for monthly payments. You can pay with your bank account online, or use a debit or ATM card by calling Customer Service or through ACI Pay, which charges a processing fee.
How Can You Pay Honda Financial Services?
Honda Financial Services lists six ways to make a payment:
- Online: Log in to your Honda or Acura Financial Services account to make a One-Time Payment or set up recurring EasyPay payments from your bank account.
- By phone: Call Customer Service and pay with your bank account or a debit card.
- By mail: Send your payment to the address on your statement.
- Bank bill pay: Set up a payment through your bank's online bill pay service.
- ACI Pay or Western Union: Pay through ACI Pay at (800) 366-8500, which charges a processing fee, or at a Western Union Quick Collect location.
- MoneyGram: Make a same-day payment at a MoneyGram location, which charges a fee.
Should You Try to Pay a Car Loan With a Credit Card?
Since Honda Financial doesn't take credit cards, the only possible route is a third-party bill pay service that charges your card and sends the payment for you. Before going that way, weigh the trade-offs.
Possible Benefits
- Rewards: If the payment codes as a purchase, it could earn points or cash back.
- Short-term cash flow: A card can cover a payment if you're briefly short on cash, though it's an expensive way to bridge a gap.
Costs and Risks
- Service fees: Third-party services charge a fee, which often outweighs any rewards.
- Cash advance treatment: Some issuers may treat these payments as cash advances, which usually carry a fee and interest from day one.
- Higher interest: Card APRs are usually much higher than auto loan rates, so carrying the balance costs more.
How Could This Affect Your Credit Score?
- Credit utilization: Putting a car payment on a card raises your card balance, which can push your utilization higher.
- Payment history: Paying your auto loan on time matters most. Third-party payments can take extra days to arrive, so schedule early to avoid a late payment.
Read more about keeping your utilization low.
Better Ways to Manage Your Honda Payment
Set Up EasyPay
Recurring EasyPay payments from your bank account mean you won't miss a due date, and paying from a bank account online avoids the processing fees charged by ACI Pay and MoneyGram.
Use Bank Bill Pay
Your bank's bill pay service lets you schedule payments alongside your other bills. Allow time for the payment to reach Honda.
Earn Rewards Elsewhere
Rather than paying fees to charge your car loan, use the right card for gas, insurance and maintenance, where cards can earn rewards without extra fees.
How Kudos Helps You Earn More
Kudos shows which of your cards earns the most for each purchase, and Kudos Premium also auto-activates eligible card-linked offers and tracks your card benefits. You can also compare cards for gas and everyday spending in the Kudos card explorer.
Shopping for your next car? See the credit score you need for a car loan.
Frequently Asked Questions
Does Honda Financial accept credit cards?
No. Honda Financial Services says it is unable to accept credit cards for monthly payments.
Can I pay Honda Financial with a debit card?
Yes. You can pay with a debit or ATM card by calling Customer Service or through ACI Pay at (800) 366-8500. ACI Pay charges a processing fee.
What is Honda EasyPay?
EasyPay is Honda Financial Services' recurring payment option. You set it up in your online account to pay automatically from your bank account.
Is there a fee to pay Honda Financial?
Paying from your bank account online is the standard option. ACI Pay and MoneyGram charge fees for their services.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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