Loan Care & Servicing2022-06-13T10:55:40+00:00

Servicing Matters

It’s easy to overlook, but servicing really does matter. In fact, most borrowers don’t even consider who is responsible for servicing their loan until it’s too late; that moment when you have a question about a payment, an insurance claim, your escrow account, or taxes.

In many cases you’ll make the call and spend the next 10 minutes in a phone tree only to speak to someone who doesn’t know you, doesn’t know your loan, and isn’t empowered to actually help you.

It doesn’t have to be this way. Partnering with Centennial Lending ensures, that in most cases, your loan stays right here with the local folks who do know you and your loan. You can also rest assured that each and every member of our team is empowered to actually help you!

Did you recently lease a vehicle and receive a letter from Centennial Lending?

If so, congratulations and welcome! Centennial Lending services vehicle leases for a number of our credit union partners. You can LOGIN to learn more or give us a call today. We are happy to help. (720) 494-2740 Ext. 2803.  

How It Works

Centennial Lending services vehicle leases for many of our credit union partners so if you recently leased a vehicle and found yourself directed to this site it’s likely we are servicing your lease. So you’ve signed on the dotted line and driven your vehicle off the lot. What happens now?

You will have established a credit union membership when closing on your lease. Your dealership will work with that credit union to get your loan funded and your membership established. Centennial Lending will be notified once this is complete and we will immediately begin servicing your loan.

You can expect to receive a Centennial Lending welcome letter approximately two weeks after closing on your lease. Along with your welcome letter you will receive an ACH Authorization form. This form can be used to establish automatic lease payments. While we recommend establishing an automated recurring payment you are not required to do so. You may mail your payment and will receive a payment coupon booklet within 60 days of your lease closing. In the meantime we will mail you a password which you can use to access your Centennial Lending account online.

Logging into your account will allow you to make a single payment or you may contact a Centennial Lending representative to schedule a recurring payment. Additionally, you will have access to a great deal of information about your lease, but you are more than welcome to call us anytime during normal business hours. A member of our team will be happy to answer questions or respond to concerns. Whether you have questions about where to make payments, your payoff amount or your loan terms, call us. We are here to help. 

You may, from time to time, receive correspondence from the credit union partner responsible for funding your lease. While you are not required to do any additional business with this credit union, we strongly recommend investigating their products and services. There is a good chance you will benefit from your newly formed credit union relationship.

Our servicing efforts begin as soon as your loan closes. From this moment you can trust that your mortgage, commercial loan, auto lease, or construction loan is in good hands.

First time users will need to register first. Instructions for doing so follow.

  • Step One: Click the appropriate login button below. (The login window will open in a new tab so you can refer to these following instructions.)
  • Step Two: Click on the blue “Register” link found just below the yellow login button.
  • Step Three: Enter your Centennial Lending loan number and Social Security Number / TIN and click “Register.”
      • Your loan number can be found on the Welcome Email and Welcome Letter sent by Centennial Lending.
      • All borrowers listed on a loan may log in to the system by entering their SSN / TIN and registering.
  • Step Four: Create a new username and password.
  • Step Five: Enter your preferred email address.
  • Step Six: You will receive an activation email at the email address you provided. You will need to access this email to complete your registration.
      • Select the link in your email to activate your account. You will then be redirected to the login page.
  • Step Seven: You can now login at which time you will be asked to create three security questions.

Congratulations! You now have full access to your online account. You now have access to a wealth of information about your loan. You can make a payment, review your statement or payment history, check your escrow balance, and review loan related tax documents.

And if you have additional questions or concerns you can call any time during normal business hours to speak to a real live expert. 720-494-2740.

Centennial Lending offers a number of payment options and continues to work toward offering even more convenient ways for you to make your payment.

The easiest way to make your payment is through a recurring ACH transaction. This option utilizes your bank account number and routing number to automatically draw payments from the account you designate. You can establish a recurring ACH payment by logging into your online account, by completing the authorization form at the time of your loan closing, or anytime thereafter by contacting Centennial Lending using our online contact form or sending an email to  You may also schedule a one-time ACH payment by logging into your online account.

Changes to your recurring ACH payment must be made in writing and should be sent to We will not update ACH information over the phone.

Logging in is as easy as clicking on your loan type:

Residential Login — Commercial Login — Vehicle Lease Login

Alternatively you may mail your payment, drop your payment in our secure night drop, or utilize your primary financial institution’s online bill pay system. Centennial Lending partners with more than 100 credit unions all whom offer some form of online bill payment.

Please note, we no longer accept cash payments.

In most cases Centennial Lending will escrow for your property taxes and insurance.* Escrow is the process of collecting funds, over time, via your monthly loan payment so Centennial Lending can make annual property tax and property insurance payments on your behalf. In most states your property taxes are paid in two semi-annual installments and property insurance premiums are paid once a year. You can see when these payments are made by logging into your Centennial Lending account and first clicking on the Payments tab followed by the Payment History button.

The amount of money required to cover the costs or your taxes and property insurance varies over time which explains why even your fixed rate mortgage payment may increase or decrease year over year.

In the event you have a fixed rate mortgage any increase in your monthly mortgage payment is the direct result of an increase in your property taxes and/or property insurance. While we are happy to help explain these changes, we do not have the ability to impact these costs or the amount of money required to fund your escrow account.  

It is important to note that changes in your interest rate may also impact your monthly payments, but this will only be the case if you have an adjustable interest rate product.

*Centennial Lending does not escrow for insurance on commercial loans.

Awesome. Every question or concern we had was answered in a timely manner.

Justin G.

Excellent, very fast, answered all my questions in a timely fashion.

Kelly Ann C.
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