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Auto Loan Collector Jobs (NOW HIRING)

HCA Healthcare

Medical Insurance Collector

Schertz, TX · On-site

Education support through tuition assistance, student loan assistance, certification support ... auto and home insurance, legal counseling, identity theft protection and consumer discounts Learn ...

HCA Healthcare

Medical Insurance Collector

Cibolo, TX · On-site

Education support through tuition assistance, student loan assistance, certification support ... auto and home insurance, legal counseling, identity theft protection and consumer discounts Learn ...

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Auto Loan Collector information

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How much do auto loan collector jobs pay per hour?

As of Aug 21, 2026, the average hourly pay for auto loan collector in the United States is $17.40, according to ZipRecruiter salary data. Most workers in this role earn between $15.62 and $17.31 per hour, depending on experience, location, and employer.

What does an auto loan collector do?

An Auto Loan Collector is responsible for contacting borrowers who are behind on their car loan payments to arrange for payment or resolve delinquent accounts. They communicate with customers via phone, email, or mail, and may negotiate payment plans or settlements. Their goal is to recover past-due amounts while maintaining positive customer relationships and complying with legal guidelines. Auto Loan Collectors also document all interactions and may collaborate with repossession agents if payments cannot be collected.

What are the key skills and qualifications needed to thrive as an auto loan collector?

To thrive as an Auto Loan Collector, you need a solid understanding of loan servicing procedures, debt collection regulations, and effective negotiation techniques, typically supported by a high school diploma or relevant experience. Familiarity with loan management software, customer relationship management (CRM) systems, and compliance tools is commonly required. Strong communication, problem-solving, and resilience are crucial soft skills for handling difficult conversations and building rapport with customers. These skills ensure successful debt recovery while maintaining customer relationships and adhering to legal standards.

What are the typical challenges faced by auto loan collectors and how can they be managed effectively?

Auto Loan Collectors often encounter challenges such as handling difficult conversations with delinquent borrowers, navigating strict regulatory requirements, and meeting collection targets while maintaining customer relationships. To manage these challenges, it's important to develop strong communication and negotiation skills, stay updated on relevant laws (like the Fair Debt Collection Practices Act), and work closely with teammates and supervisors for support and best practices. Many organizations also provide regular training and access to advanced collection software to help collectors perform efficiently and within compliance.

What is the difference between Auto Loan Collector vs Auto Loan Underwriter?

AspectAuto Loan CollectorAuto Loan Underwriter
Required CredentialsHigh school diploma or equivalent; some roles may prefer experience in collections or financeBachelor's degree in finance, economics, or related field; certifications like CUAI may be beneficial
Work EnvironmentOffice setting, often in collections or finance departmentsOffice environment, typically in lending or underwriting departments
Employer & Industry UsageUsed by banks, credit unions, and auto finance companies to recover unpaid loansUsed by lenders to assess risk and approve auto loan applications

While both roles are involved in auto financing, an Auto Loan Collector focuses on recovering unpaid loans, whereas an Auto Loan Underwriter evaluates loan applications to determine approval. They work in different stages of the loan process but are both essential in auto finance operations.

Is debt collection a stressful job?

Auto loan collectors often find the job stressful due to the need to handle difficult conversations and enforce payment deadlines. The role requires strong communication skills and resilience, as it involves managing potentially confrontational interactions and meeting collection targets. However, stress levels can vary based on individual temperament and workplace support systems.
More about Auto Loan Collector jobs

What states have the most Auto Loan Collector jobs?

States with the most job openings for Auto Loan Collector jobs include:

What job categories do people searching Auto Loan Collector jobs look for?

The top searched job categories for Auto Loan Collector jobs are:

Auto Loan Collector jobs near you
Infographic showing various Auto Loan Collector job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 72% Full Time, 23% Part Time, and 4% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $36,200 per year, or $17.4 per hour.

Account Servicing Specialist - 90+ Day Collections

Veros Credit, LLC

Fort Worth, TX • On-site

$22 - $30/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 22 days ago

Job description

About Us

Veros Credit is committed to making vehicle ownership possible for everyone. Through our vast network of independent and franchise dealers, we have helped countless customers with their financing needs, allowing them to drive off in the vehicle they deserve.

We realize that our greatest assets are our employees, which is why we strive to make work welcoming and fun but offer limitless opportunities for growth and advancement. At Veros Credit, you can look forward to company events, free meals quarterly, holiday activities, and more. You will be greeted by friendly, positive, and ambitious team members, and work alongside leaders who encourage and value your new ideas. We are proud to say that it is this sense of community that makes us excited to walk through the door every day.

Some of our benefit offerings include:

  • Medical, Dental, and Vision Insurance
  • Life Insurance
  • Flexible Spending Accounts (FSA)
  • Accident, Hospital, Indemnity Insurance
  • Short Term Disability (STD) and Long-Term Disability (LTD) Insurance
  • Employee Assistance Program (EAP)
  • 401(k) Plan
  • Tuition Reimbursement
  • Paid Holidays
  • Paid Time Off (PTO)
  • Transportation Reimbursement Benefit (Mass Transit, Carpool, and Plug-In Electric Vehicle)
  • Referral Bonus
  • Quarterly lunches
  • Daily fresh fruit
  • Office Starbucks Coffee/Latte/Espresso Machine
  • And a lot more!
About The Position

The Account Servicing Specialist (90+ Days) will be responsible for servicing auto loan accounts that are 90+ days delinquent and documenting all collection activities utilizing loan servicing software.

Essential Responsibilities:

  • Follow and ensure compliance with all company policies and procedures as well as the Fair Debt Collection Practices Act (FDCPA).
  • Negotiate payment arrangements with borrowers, including offering suggestions as to how they can meet their obligations, propose alternative payment methods, and establish payment procedures.
  • Assist borrowers in devising a strategy to allow them to keep their vehicle while meeting the obligations of the loan.
  • Accurately and professionally document account information and collection activities.
  • Utilize skip tracing tools and reference sources to identify and locate delinquent borrowers.
  • Other duties as assigned.

Essential Requirements:

  • 5+ year(s) of experience in the collections field, preferably in the subprime consumer lending industry.
  • Effective communication, negotiation, and problem-solving skills.
  • Ability to read, interpret and apply federal, state, and local collections regulations.
  • Ability to interact with customers in a professional, tactful, and sensitive manner.
  • Ability to thrive in a fast-paced work environment and to work independently and as part of a team.
  • Available to work a flexible work schedule and overtime as needed.
  • High School Diploma or GED. 
  • Bilingual (English/Spanish) required.

Salary: $22.00 - $30.00 per hour + Bonus

#VHP

Veros Credit, LLC is an equal opportunity employer.

**This Organization Participates in E-Verify

Keywords:

Automotive, Auto Finance, Automobile, Subprime, Prime, Unsecure Loans, Dealerships, Independent Dealerships, Franchise Dealerships, Skip-tracing, Skip Tracer, Skip Trace, Auto Dialer, Auto Dialing, Vehicle Repossessions, Repayment Plans, Deficiency, Customer Service, Consumer Finance, Collections, Collector, Collecting, Loss Recovery, Collateral Recovery, Post Charge Off, Negotiate, Negotiation, Negotiator, Call Center, Bilingual, Spanish, FDCPA, Noble

Employment Type: FULL_TIME

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