ACCOUNT ACCESS
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What types of accounts can I view online?
Effective Monday, October 20, 2025, the FreedomRoad Financial portal will display loan accounts only. In order to view your high yield savings account online you are required to enroll at www.olsecond.com or at Enrollment - Old Second National Bank.
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STATEMENTS & PAYMENTS
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When will I receive my statement?
The monthly billing statements are mailed approximately 20 days prior to each monthly due date.
Can I have monthly payments automatically deducted from my bank account?
For an external transfer, please log in to our Online Service to set up an ACH transfer. If you have an account with Old Second National Bank and wish to transfer funds from that account, please complete this form and submit it to [email protected] or mail to P.O. Box 4597, Oak Brook, IL 60522-4597.
Can I make my monthly payment online?
Yes, you can pay online, free of charge with your checking or savings account information. Visit our Manage My Account page to get started.
Can I make payments on a holiday or weekend?
Payments can only be processed on business days. This will affect the dates available to select when scheduling your payments.
What happens if my payment deduction date falls on a non-business day?
It will occur on the next business day. Our business days are every Monday - Friday, excluding Federal holidays.
Where should I mail my payment?
Your payment should be mailed to:
FreedomRoad Financial
P.O. Box 4597
Oak Brook, IL 60522-4597
Are there late payment fees?
A late charge will be assessed if the payment is not received within 10 days of your due date.
Please refer to your Promissory Note/Retail Installment Contract for specific information regarding late charges and payment terms.
What is the difference between FreedomRoad Financial Auto Pay and FreedomRoad Financial online payment?
FreedomRoad Financial Auto Pay is a simple, convenient way to pull funds from your Old Second National Bank deposit account to pay your FreedomRoad Financial loan. This will ensure your regular monthly payment is on time every month. Once you’ve enrolled in FreedomRoad Financial Auto Pay, your payment is automatically deducted from your bank account each month.
Download the Auto Pay form (PDF).
FreedomRoad Financial Online Payment is a fast and easy way to make a single payment or to set up your own recurring payment plan using an external bank account (that is a bank that is not Old Second National Bank) that you manage through your Account Management Portal.
Is there a charge for using auto pay?
No, this convenient service is offered free of charge to FreedomRoad Financial customers.
Once I sign up for auto pay, how soon will my payments be deducted?
Your payment will be automatically deducted each month on your regular due date, unless a specific date is specified by you on our Auto Pay form.
PLEASE NOTE: Auto Pay setup may take several days to complete. Please continue making your regular payment until setup is complete.
What happens if my auto pay date falls on a non-banking day?
Your Auto Pay will then be deducted from your Old Second National Bank Account on the next banking day.
Can I cancel my auto pay?
Yes, you are free to cancel Auto Pay at any time. Please send a signed letter to our Customer Service Center with your request to cancel Auto Pay. It will take approximately 5-7 business days after receipt of your request to complete the cancellation.
PLEASE NOTE: There is no need to request a cancellation on your Auto Pay when your account is paid in full; these monthly payments are cancelled automatically.
Is there a charge for making an online payment?
No, this convenient service is offered free of charge to FreedomRoad Financial customers.
When I make an online payment, how soon will it be deducted from my bank account?
All online payment requests submitted prior to 5:00 PM Central Standard Time (CST) on any banking day will be applied to your loan account on the same day. PLEASE NOTE: It may take an additional 1-2 banking days for the payment to show on your bank account.
All online payment requests submitted after 5:00 PM Central Standard Time (CST) will be applied to your loan account on the next banking day. PLEASE NOTE: It may take an additional 1-2 banking days for the payment to show on your bank account.
How do I link a deposit account in online banking to pay my loan?
In the upper right-hand corner of the page, click your name. Choose 'Settings'. Under Linked accounts, click on 'Link a new account' Choose either 'Instant Verification' or 'Manual Verification' based on your preference. Follow onscreen instructions to complete the process.
How do I transfer money or make a payment from my deposit account to my FreedomRoad Financial account?
From the main dashboard, select the 'Transfer' option, then click 'Transfer & Pay' to begin. Provide the amount you wish to transfer and choose the accounts you want to transfer between and View your Transfer Limits and Disclosures. Click 'Next'. On the following screen, set the transfer frequency and add a memo for your records if you wish. Follow the on-screen prompts to complete the verification process, then submit your transfer.
How long does it take for my funds to arrive from my deposit account?
Transfers generally post to your FreedomRoad Financial account within two business days.
When I make a FreedomRoad Financial Online Payment, how soon will it be deducted from my bank account?
All online payment requests submitted prior to 5:00 PM Central Standard Time on a Business Day will be applied to your loan account on the current business day, subject to processing. All online payment requests submitted after 5:00 PM Central Standard Time will show as “Pending” on your loan account until it posts on the next Business Day. The payments should be debited from your depository account within two business days from the date of submission.
Can I cancel a FreedomRoad Financial Online Payment?
Once your payment processes, it cannot be voided. However, if your payment has not processed yet, use the following steps to disable your recurring schedules or one-time payments: Click on 'Accounts' at the top of the page within online banking. Scheduled transactions and recurring payment schedules can be deleted by choosing the 'Delete' button to the right of the scheduled transaction/recurring schedule.
Do I have to cancel Recurring Payment Schedule when my financing contract is finished?
If you set up your account on recurring payments within online you will need to log in and cancel the scheduled future payments.
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ACCOUNT SETTINGS AND VERIFYING MICRO DEPOSITS
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I've linked my deposit account via 'Manual Verification'. How do I verify my micro deposits?
Manual Verification is a process that verifies ownership of your external account via two microdeposit transactions that should arrive in your external account within 1-3 business days. Check your external account for these deposits and once they appear, you will need the two deposit amounts for the next step. (Note: there will also be a debit to your account that totals the two deposits, which is how we offset the deposits. You do not need to remember this debit amount.) Next, enter the two deposit amounts by signing into your Freedom Road Financial Online Banking account. In the upper right-hand corner, click your name, choose 'Settings' and go to 'Linked accounts' where you will find a green 'Verify' button next to the external account you linked. This is where you enter the two small deposit amounts. Click 'Confirm and activate account.'
How can I manage two factor authentication?
Your two factor authentication devices can be managed by going to 'Settings' and selecting 'Alerts & Security'. Please note: For security purposes, you might not be able to remove all of your two factor authentication devices.
How can I set up a transaction or balance alert?
You can setup transaction or balance alerts by going to 'Settings' and selecting 'Alerts & Security'. You can setup an alert to trigger based on a specific transaction keyword and/or amount. Additionally, you can setup an alert for a particular balance threshold.
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ACCOUNT CHANGES
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How do I change the due date on my account?
A Loan Due Date Change Agreement must be completed and sent to FreedomRoad Financial for approval.
The due date may be moved up to 10 days forward and may only be changed twice during the life of the loan. Approval is required and certain restrictions do apply.
Download the Loan Due Date Change Agreement (PDF).
What if I move to another state?
If you move to another state, you must re-register your vehicle and forward a copy of the registration card to FreedomRoad Financial within 30 days.
How do I re-register my vehicle?
Contact the Department of Motor Vehicles in your state for the necessary documentation needed for re-registration.
How do I change the address or phone number on my account?
If you need to update your contact or mailing information, please log into Account Management and click the ‘Settings’ menu at the top of the page. Contact information will be updated within 24-48 hours.
PLEASE NOTE: If you do not have an Account Management account, you may update your address information only with our change of address online form.
If additional assistance is needed, please contact Customer Service by phone at 1-866-455-ROAD (7623).
How do I change my name on my account?
Provide legal documentation of the name change to FreedomRoad Financial Customer Service.
Can I change my bank information once I’ve set up an auto pay?
Yes. In order to update your banking information, such as to change the Old Second deposit account, complete our Form and either mail, fax, or email to customer Service. Allow at least 14 days prior to your next payment due date for the change to take effect.
Download the Auto Pay Authorization Form (PDF).
How do I cancel an online payment?
Once a payment is submitted online, it cannot be cancelled online. However, you may be able to cancel your payment if you call Customer Service at (866) 455-ROAD (7623) the same day the payment was submitted and prior to 4:00PM Central Standard Time (CST).
How do I cancel the recurring payment I set up online?
Log in to Online Banking and click on the account that you have linked to a recurring payment. The recurring payment will show in the 'Scheduled transactions' section. For the recurring payment you'd like to cancel, click 'Delete' and confirm by clicking 'Yes, delete'.
Am I able to refinance through FreedomRoad Financial?
Unfortunately, we are not able to offer loans directly. Please contact your local credit union or other local lender for refinancing opportunities.
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PAYOFFS
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How can I get a payoff quote?
Log in to Online Banking to view your 10-day payoff amount or you can contact Customer Service to receive a quote at (866) 455-ROAD (7623). Click on the account that you like to view a 10-Day payoff for. Next, click 'More details' in the 'Loan details' section. In the list, you will find the 10-day payoff, Per diem (the amount of interest you pay each day), and Payoff good through date.
Will I receive my title and lien release after my loan is paid in full?
This depends on the vehicle and the state. Not all vehicles financed by FreedomRoad Financial have a title or lien release for us to send because not all powersports vehicles, such as off-road vehicles, watercraft or snowmobiles are titled. Please visit our Titles and Lien Release Information page to learn more.
Titles and Lien Release Information page
What happens when the state I live in offers e-titles?
If our records indicate that you live in a state who utilizes e-Titles, we will send a notification to your state’s Department of Motor Vehicles ten business days after your loan has been paid in full. At that point, they are responsible for mailing the title to the address we provide to them.
If you require the title to be sent to an address or a third party person or business, please supply us with a written request to do so along with the payoff funds. The ten day wait period for the title can be waived only if the final payoff is sent in the form of a cashier's check, certified check or wire transfer.
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ARTICLES
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What is the difference between an interest rate and the Annual Percentage Rate (APR)?
A loan’s interest rate is the cost you pay each year to borrow money expressed as a percentage. The interest rate does not include fees charged for the loan.
The Annual Percentage Rate (APR) is the cost you pay each year to borrow money, including fees, expressed as a percentage.
The APR is a broader measure of the cost to you of borrowing money since it reflects not only the interest rate but also the fees that you have to pay to get the loan. The higher the APR, the more you’ll pay over the life of the loan.
A loan’s interest rate and APR are two of the most important measures of the price of borrowing money. The federal Truth in Lending Act (TILA) requires lenders to give potential borrowers specific disclosures about important terms, including the APR, before they are legally obligated on the loan. Since all lenders must provide the APR, borrowers can use the APR to compare loans. Just make sure to compare APRs to APRs and not to interest rates. The two terms are not the same.
What is a Risk Based Pricing Notice?
The RBP Notice is given to consumers when a measure of risk is used to determine the terms of the loan. Credit score is used to determine which tier a consumer falls into and their subsequent interest rate. The credit score is being used to determine the risk of lending to that consumer and of that consumer failing to pay back the loan.
The purpose of the RBP Notice is to help consumers understand why they may be receiving less favorable terms than others. This notice shows the consumer's credit score and score range, and gives information about where to obtain a free annual credit report. Lenders are required to provide RBP Notices to comply with the Fair Credit Reporting Act (FCRA).
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