For more information on the recent communication you may have received regarding your line of credit please utilize the F.A.Q. button above.

Our thoughts are with those affected by the Coronavirus (COVID-19) . If you need assistance with your account, please call customer service at 888-413-1083.


Please note that we are experiencing high call volumes so wait times may be longer than normal. We appreciate your patience. Please take advantage of the self-service Interactive Voice response phone line 888-413-1083 to make payments or login to your account to make payments, view statements, and much more.


Customers click HERE to contact us.
Automobile Dealers
CLICK HERE »

Tidewater Motor Credit works with both independent and franchise dealerships to provide alternative auto financing options to customers. We offer a variety of programs for consumers and a fast and simple funding process for dealers.




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Make your payment now using our fast and easy online payment system. Available 24/7. View your account, payment history, and check your balance.


Preference Center Access



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Call us to make a payment and we will assist you on the phone. Talk to a real person.

For TCS Call:
TCS Toll Free: 888-413-1083
TCS Local: 757-579-6449
Fax: 757-579-6430
For TMC Call:
TMC Toll Free: 888-413-1082
TMC Local: 757-579-6448
Fax: 757-579-6430


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Send us your payment by mail anytime. Checks and money orders can be mailed to:

Tidewater Finance Company
P.O. Box 13306
Chesapeake, VA 23325
Fax: 757-579-6430


Over 25 Years Experience Serving Dealers and Consumers

Tidewater Finance Company was established in 1992 and is proud to serve as a leading choice among companies offering alternative financing options. The Tidewater Credit Services division, offers consumer retail programs and the Tidewater Motor Credit division, offers indirect consumer auto financing. Our operations center located in Virginia Beach, Virginia services over 1,000 automobile and retail dealers throughout the United States. We currently employ over 300 employees dedicated to working with our dealers and customers, providing them with the highest level of customer service.

Over 25 Years Experience Serving Dealers and Consumers


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Start your future today!

If you would like to apply for a position at Tidewater Finance Company, please complete our Employment Application and Questionnaire.

Let’s build your future!

Search Current Openings »

Employment Application and Questionnaire

Applications are only accepted through our online application system. Qualified candidates will be notified via telephone with our interview interest. Applications are kept on file for 90 days. Candidates will need to resubmit an online application when new positions become available.


Tidewater Finance Company is a proud participant in the E-Verify program.

Click either the E-Verify or E-Verify Español below to learn more!


Why work at TFC?

  • Multiple benefits available: vacation, personal and sick days, health insurance, 401k with a company match, flexible spending, life and supplemental insurance and more
  • Promotional opportunities
  • Community Service Oriented
  • Over 25 years in business


For general information, please complete the form below.

First Name:
Last Name:
Account Number:
Email:
Phone Number:
TFC Hours of Operation - Customers
Monday – Friday:
8:00 am (EST) – 7:00pm (EST)
Saturday:
8:00 am (EST) – 5:00pm (EST)
Sunday:
CLOSED
TCS Customer Service Number:   888-413-1083

For Retail

  • Call:
  • Toll Free: 888-413-1083
  • Local: 757-579-6449
  • TTY/TDD(Hearing Impaired): 800-877-8339 711
  • Fax: 757-579-6430

  • Email:  Support

  • Written Inquiries
    • Tidewater Credit Services
      PO Box 13306
      Chesapeake, VA 23325-3306
    • Send payments to:
      TIDEWATER SALES FINANCE
      PO BOX 37903
      CHARLOTTE, NC 28237
      DO NOT send Overnight/Priority mail to this address. See below for more information.
    • Saturday:
      Tidewater Credit Services
      6520 Indian River Road
      Virginia Beach, VA 23464
      For Priority, Overnight and Delivery

For Automotive

  • Call:
  • Toll Free: 888-413-1082
  • Local: 757-579-6448
  • TTY/TDD(Hearing Impaired): 800-877-8339 711
  • Fax: 757-579-6430

  • Email:  Support

  • Written Inquiries
    • Tidewater Motor Credit
      PO Box 13306
      Chesapeake, VA 23325-3306
    • Send payments to:
      Tidewater Motor Credit
      PO Box 37904(Dept 131)
      Charlotte, NC 28237-7904
      DO NOT send Overnight/Priority mail to this address. See below for more information.
    • Saturday:
      Tidewater Motor Credit
      6520 Indian River Road
      Virginia Beach, VA 23464
      For Priority, Overnight and Delivery

Q. Why do I have to apply for another account when I was already approved for and received this one?

A. The accounts are not transferable. Merchants work with various companies and each company has its own credit criteria to open accounts.


Q. Will I be automatically approved for a new account since I already have one?

A. The various companies offering credit programs at the stores going forward will have their own credit criteria to open accounts. Unfortunately, Tidewater has no knowledge of the other programs criteria. The accounts are not transferable.


Q. Why is your company no longer partnering with the merchants?

A. Tidewater Finance Company is simply changing directions with its business model and credit offerings.


Q. Do I continue to send my payments to the same place?

A. Yes- Account servicing will not change.


Q. If I have a problem with a bill or question about my account while I’m still making payments, who do I contact?

A. Account servicing will not change, contact Tidewater Finance Company 888-413-1083 with all account related questions.


Q. How will the closure of my account be reflected on my credit report? Will it reflect negatively?

A. The account will continue to report accurately on your credit files and will not be closed until payment brings the account to a zero balance.


Q. Will the closure affect my credit score?

A. No, the account credit limit will be reported the same to the credit bureaus until the account has a zero balance as to not adversely affect the credit score. Once the account is paid off for 30 days it will then be closed and report to the credit report as paid and closed.


Q. I’d like to dispute the closure of my account, who can I speak with to do that?

A. Tidewater apologizes for the inconvenience. Tidewater will submit a dispute to its Consumer Complaints Department upon request, however the account closure cannot be stopped or averted because Tidewater is no longer partnering with Furniture Dealers.


Q. How will Warranties they purchased be affected?

A. Any warranties offered and purchased via the manufacturer and/or the Furniture Dealers will not be affected by the termination of partnership.


Q. How will Refunding of returns after May 31st be handled?

A. Servicing of the account will not change, items can be returned to the merchant as per the merchant’s return policy and the merchant will continue notifying Tidewater directly.


Q. Who do I contact if I have a dispute regarding my account, merchandise, etc., after my credit line has closed?

A. a. Account servicing will not change, contact Tidewater Finance Company 888-413-1083 with all account related questions.
b. Customer should contact the merchant or the manufacturer regarding issues with merchandise.