Westlake auto loan — payment due before payoff processes. Do I pay or wait?
I had a contract rewrite with a dealership on 03/26/26. The original loan (with the old terms) was supposed to be voided and paid off.
Fast forward almost a month — the dealership only just sent the payoff check to the lender (Westlake) either late last week or early this week.
The finance manager told me the check was “received/accepted” by Westlake, but I know that doesn’t necessarily mean it’s been processed yet.
Now my first payment on the original (voided) loan is due tomorrow (04/09).
I called Westlake, and the rep told me:
- If I make the payment and the payoff processes afterward, I’d get reimbursed (they said via a virtual Visa/email refund).
- There is a note on the account from the dealership’s Westlake analyst, but the Westlake representative on the phone confirmed that note does not place any hold or freeze on the account.
So right now I’m stuck between:
- Paying on a loan that’s supposed to be paid off
- Or risking a late payment/credit hit if the payoff hasn’t processed in time
I do believe the finance manager acted in good faith and actually sent the check, but timing is cutting it really close.
What would you do in this situation?
- Make the payment just to be safe?
- Try to push for a deferment/extension?
- Or wait it out since the payoff is supposedly in progress?
Any advice would be appreciated.