--- title: What If You Miss a Payment? description: "Missed a Payment? Here’s What to Do\nMissing a loan payment can happen, but quick action can minimize its impact." --- [Skip to content](https://help.automhatic.com/help/what-if-you-miss-a-payment-#main-content) English Show submenu for translations [More support](https://help.automhatic.com/help/kb-tickets/new?hsLang=en) ![autoMHatic Logo small 200x92-1](https://help.automhatic.com/hs-fs/hubfs/autoMHatic%20Logo%20small%20200x92-1.png?width=308&height=131&name=autoMHatic%20Logo%20small%20200x92-1.png) Open main navigation Close main navigation - English Show submenu for translations - [More support](https://help.automhatic.com/help/kb-tickets/new) - [Contact us](mailto:customerservice@automhatic.com) [Contact us](mailto:customerservice@automhatic.com) How can we help you? - There are no suggestions because the search field is empty. 1. [autoMHatic Financial Help Center](https://help.automhatic.com/help?hsLang=en) 2. [Paying your loan](https://help.automhatic.com/help/paying-your-loan?hsLang=en) January 5, 2026 # What If You Miss a Payment? ## Missed a Payment? Here’s What to Do Missing a loan payment can happen, but quick action can often reduce the risk of incurring fees and other negative consequences. - **Act Quickly**: Make the overdue payment as soon as possible and immediately contact us, as you servicer, to discuss the situation. - **Late Fees**: You may be charged a late fee in addition to your missed payment. Your loan documents explain whether and when a late fee may be charged, and in what amount. If you incur a late fee, be prepared to pay any late fees that apply. - **Credit Reporting**: If your payment becomes significantly past due, we, as your servicer, may report the delinquency to the credit reporting agencies, consistent with applicable law and your credit reporting rights. Payments late by 30+ days can be reported to credit bureaus. - **Missed Multiple Payments**: If you have more than one missed payments, contact us immediately to discuss your repayment options. Call us right away at (888) 226-8929 to discuss your options for catching up and avoiding further issues. ![Closeup retro image silhouette businesswoman, female hands holding white sign or card with message call us customer support isolated on gray office wall background. customer service concept](https://help.automhatic.com/hs-fs/hubfs/Closeup%20retro%20image%20silhouette%20businesswoman%2c%20female%20hands%20holding%20white%20sign%20or%20card%20with%20message%20call%20us%20customer%20support%20isolated%20on%20gray%20office%20wall%20background.%20customer%20service%20concept.jpeg?width=300&height=190&name=Closeup%20retro%20image%20silhouette%20businesswoman%2c%20female%20hands%20holding%20white%20sign%20or%20card%20with%20message%20call%20us%20customer%20support%20isolated%20on%20gray%20office%20wall%20background.%20customer%20service%20concept.jpeg) - [Paying your loan](https://help.automhatic.com/help/paying-your-loan?hsLang=en) - [Managing your Loan](https://help.automhatic.com/help/managing-your-loan?hsLang=en) - [Escrow - What is it?](https://help.automhatic.com/help/escrow-what-is-it?hsLang=en) - [Insurance: What you should know](https://help.automhatic.com/help/insurance-what-you-should-know?hsLang=en) - [Understanding IRS 1098: mortgage statement](https://help.automhatic.com/help/understanding-irs-1098-mortgage-statement?hsLang=en) - [FAQs](https://help.automhatic.com/help/faqs?hsLang=en) [![autoMHatic Logo small 200x92-2](https://help.automhatic.com/hs-fs/hubfs/autoMHatic%20Logo%20small%20200x92-2.png?width=308&height=131&name=autoMHatic%20Logo%20small%20200x92-2.png "autoMHatic Logo small 200x92-2")](https://help.automhatic.com/?hsLang=en) [NMLS #2663 -](https://www.automhatic.com/#)[NMLS Consumer Access website -](https://www.nmlsconsumeraccess.org/)[PA Mortgage Lender License #22853 -](https://www.automhatic.com/#)[PA Mortgage Servicer License #67672](https://www.automhatic.com/#) autoMHatic Financial is a d/b/a of Tammac Holdings Corporation, 480 Swedesford Road, Suite 200, Wayne, Pennsylvania 19087, (888) 226-8929. Licensed in Alabama, Arizona, Delaware, Florida, Georgia, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, New Jersey, Ohio, Oklahoma, Pennsylvania, South Carolina, Texas, Virginia, West Virginia. Tammac Holdings Corporation NMLS ID #2663 (please visit [www.nmlsconsumeraccess.org](https://www.automhatic.com/#) for state license information). Programs, interest rates, terms and fees are subject to change without notice. All loans are subject to credit approval and property valuation. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. AM Home Loans, LLC is a wholly-owned subsidiary of Tammac Holdings Corporation. AM Home Loans, LLC is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation, and applicable and legal and regulatory requirements. Products not available in all states. NMLS # 2683514. Maryland License/Registration #: 2683514. 480 E. Swedesford Road Suite 220, Wayne, PA 19087, (888)-567-7771. Copyright ©2025 autoMHatic Financial. All rights reserved