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Signing in takes two things you were given when your contract was signed, plus one security question.
You have an Account Number and an Access Code — not a username and password. Both were assigned to you when your contract was signed.The sign-in screen shows both sets of labels because businesses that offer financing sign in on the same page. Put your Account Number in the Username/Account Number box, and your Access Code in the Password/Access Code box.

Sign in

1

Go to the sign-in page

2

Enter your Account Number and Access Code

Your Account Number looks something like A1B2C34LOA01. Your Access Code is numeric.Don’t have them? See Finding your Access Code.
3

Choose Consumer if you are asked

If you are asked to select a role, choose Consumer (Account Payments). The other option is for businesses that offer financing.
Role selection screen offering Consumer for account payments and Business slash Merchant for offering financing
4

Answer the security question

You will be asked to confirm your date of birth. If you would rather answer something else, select Answer a Different Question and confirm the last four digits of your Social Security Number instead.
Validate SSN screen asking for the last four digits of a Social Security Number

Why the extra question

Your Account Number and Access Code were both assigned by us and both appear on your paperwork. The security question is what stops someone who has seen your statement from getting into your account.

If you’re a co-applicant

The security question asks about the primary account holder, not you — their date of birth or the last four of their Social Security Number. See Co-applicant access.

If it won’t let you in