Frequently Asked Questions

Frequently Asked Questions (FAQs)

Find the answers to your frequently asked general account and financing questions. If your questions are not answered in the FAQ, contact us!

  • What are Amur’s Terms & Conditions regarding text messaging?

    Please see below for Message Terms & Conditions and Data Rates Information

    1. Amur may send applicants and customers a text message in relation to the activities that you have undertaken with us. These activities include but are not limited to next step reminders, payment updates and/or account reminders. This program will send additional information to customers who opt-in including helpful marketing information on an occasional basis..
    2. You can cancel the SMS service at any time. Just text "STOP" to the short code. After you send the SMS "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to start receiving text messaging, just send us a quick text to 800-994-0016 requesting to receive text messaging again.
    3. If you are experiencing issues with the messaging program, reply with the keyword HELP for more assistance, or get help directly at customercare@goamur.com or 800-994-0016.
    4. Carriers are not liable for delayed or undelivered messages.
    5. As always, message and data rates may apply for any messages sent between you and Amur. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
    6. If you have any questions regarding privacy, please read our privacy policy: https://www.goamur.com/amur-privacy-policy/
  • How to clear cache?

    How To Clear Cache for All Major Browsers

    How to Clear Browser Cache for Google Chrome

    To clear the cache for Google Chrome, start by clicking the Three Dots icon in the top right of your browser window. Then, find the More Tools option and select Clear browsing data… from the submenu Alternatively, you can also use the hotkey combination: CTRL + SHIFT + DEL. Chrome will open up a new tab with a popup window titled Clear Browsing Data. Make sure that only the Cached images and files box is checked. You can choose to clear your browsing history or opt for more thorough cleansing of the cache by including cookies and other site data in the cache clearing. You can also change the time frame at the top. Select the Time Range field, then choose one of the options like the last 24 hours, last 4 weeks, or the entire history.
    It’s important to remember that most browsers store more advanced data within the cache that usually doesn’t get cleared with the primary tool. These are usually more critical data items that you might not want to eliminate from the cache. However, many situations warrant the clearing of all cache data. In Chrome, select the Advanced tab in the Clear browsing data window. Now, you’ll see additional browsing data checkboxes such as:
    • Passwords and other sign-in data.
    • Autofill form data.
    • Site Settings.
    • Hosted app data.
    Feel free to mark whichever data items you want to be removed if you’d like. Just know that these are usually essential for improving your overall user experience, like with the passwords that help you log into websites in seconds. Click on the Clear Data button once you’re done. Google Chrome has multiple ways to look at your cache data and delete it from the browser. For instance, you could go right to the Google Chrome Settings page and click on Privacy and Security. Under that, there’s a button to Clear Browsing Data, which brings you to the same popup window we saw before; it’s simply found by going through different steps. In addition, you can choose the Cookies and Other Site Data button to specifically take control of third-party cookies.
    All tracking cookies are logged within the browser cache, so this is an option for those who are more interested in cleaning out cookies instead of your browser history or login information. On this page, you have options to:
    • Allow all cookies.
    • Block third-party cookies in Incognito.
    • Block third-party cookies.
    • Block all cookies.
    The cookie settings empower you to clean up your cache or eliminate unnecessary cache elements automatically. As an example, you may want to block third-party cookies so that you never have to worry about cleaning them out of your browser cache in the future. You may also want to explore the area to Clear Cookies and Site Data When You Close All Windows. That essentially automates the cache clearing process by deleting items every time you close the Chrome browser. The lower part of this section in Chrome has several other options that pertain to the browser cache. There’s a button to See All Cookies and Site Data, which comes in handy for clearing out cache items individually. You can also manage lists that allow sites to use cookies, clear cookies when closed, or block cookies entirely.

    How to Clear Cache for Microsoft Edge

    To clear the browser cache for Microsoft Edge, click the Three Dots icon in the top right of your browser window. Choose History.
    Go to the History option to start clearing the cache in Microsoft Edge.
    A new history module shows up to see the most recently visited websites. You should see another Three Dots icon within that module. Click that. In the resulting menu dropdown, choose Clear Browsing Data.
    Clear browsing data in Microsoft Edge.
    Microsoft Edge now opens a Clear Browsing Data window. You can check off the following items to include with your deletion:
    • Browsing history.
    • Download history.
    • Cookies and other site data.
    • Cached images and files.
    What’s nice about Microsoft Edge is that it displays quantitive information like the number of browsing history items that will be deleted if you clear the cache. You can also view how much space you may free up from the cache clearing.
    Choose what to clear from the Microsoft Edge cache.
    Scroll down the list to see three more data clearing options. These aren’t checked by default, so you’ll have to mark them yourself if you want to clean up passwords, autofill form data, and site permissions.
    Don’t forget about the extras like site permissions and passwords.
    With your selection made, go through the Time Range field to indicate how far back in your cache you want to delete. For the last step, click on the Clear Now button. That’s the easiest way to clear the browser cache in Microsoft Edge!
    Choose the time range, then click Clear Now.
    To get more specific with clearing the Edge cache, select the Three Dots icon in the upper right corner, then choose Settings.
    Go to the Settings button in Microsoft Edge for more caching tools.
    Navigate to the Privacy, Search, and Services tab. The first option is to Clear Browsing Data Now, which offers a button to Choose What To Clear and sends you to the popup window we discussed above with the checkboxes. It’s simply a different route to get there. You also may want to explore the tab to Choose What to Clear Every Time You Close the Browser. This way, you can automatically clear the cache of unnecessary items after closing Edge; maybe you’d rather the browser history, cookies, or login information didn’t save every time.
    Choose what to clear from the cache in Edge.
    As you can see, the page for choosing what you clear after closing the browser has a long list of toggles for adding or removing specific cache data from the automated cache purge.
    Automatically clear parts of your Microsoft Edge cache on exit.
    If you’re more interested in removing cookies from the cache or managing the ones you want to allow, navigate to the Cookies and Site Data tab on the Microsoft Edge Settings page.
    Manage and delete cookies and other site data.
    On this page, you have options to Block Third-party Cookies, Preload Pages for Faster Browsing and Searching, and See All Cookies and Site Data. We recommend going to the See All Cookies and Site Data page to get an idea of what tracking items are being placed inside the browser cache. You can then add sites to the Block or Allow lists, creating a situation where the cache doesn’t need as much monitoring in the first place.
  • What are my options to pay an account off early?

     Although there is no contractual right to pre-pay, if you are not in default we can agree to an early termination upon your written request.

  • What is my payoff balance?

    You can visit our Customer Center 24/7 or contact our Customer Care team at customercare@amuref.com.
  • How do I get my balance?

    You can visit our Customer Center 24/7 or contact our Customer Care team at customercare@amuref.com or 1.800.994.0016
  • When will I get my title?

    Amur holds titles until the end of your contract term. Once contract has been satisfied you can expect to receive it within 30 business days. Release time may vary due to state requirements.
  • What is the title process?

    If you are purchasing from the same state as the registration, your vendor will be processing. If you are purchasing the equipment from a different state than registering, title will be sent to Amur for processing. Once Amur receives your title it will take 5-7 business days for processing.
  • Do I need to insure the equipment?

    You are required to carry insurance during the duration of the contract. If you have your own insurance provider you must submit proof of insurance to Amur. If proof of coverage is not fulfilled Amur will provide you with automatic insurance through our third-party provider. For more information click here: https://www.amuref.com/insurance-requirements
  • What if I can't make my payment?

    Please contact our Customer Care team at customercare@amuref.com or 1.800.994.0016

  • What is a pro-rated payment charge?

    The pro-rated charge covers the interim period between the commencement date and the first due date of your regular billing cycle. The amount of the pro-rated charge is calculated as 1/30th of the regular scheduled payment amount, multiplied by the number of days in the interim period. Any advanced payments you might have paid will be applied to cover the regular scheduled payments and not the pro-rated charge. 

  • Can I make payments online?

    Yes, you can access your current invoice, make payments, and print duplicates by clicking here https://ww2.e-billexpress.com/ebpp/AmurEF/. Make sure to have your customer number and valid email address to log in. 

  • Can I include soft costs and services?

    Yes you can.

  • What terms are available?

    36-84 month terms, other options may be available

  • What factors are used to determine credit worthiness?

    The length of time in business, bank and financing references, business and credit bureau ratings are all used in the decision-making process. In order to offer the best products to our customers and offer processing efficiency, Amur utilizes third-party databases to acquire sufficient credit information during the application process.
  • Are there application fees?

    No

  • What can I finance?

    Any business essential equipment.

  • What vendor information is needed?

    Include the vendor's name and address. If it's a private party sale for titled vehicles, specify upfront. Equipment Type-Specific Information For certain equipment types, additional information may be required:
    • OTR Transportation & Car Carriers: Bank statements
    • Residential Construction: Bank statements
    • Medical: Medical license
    • Food Service: Bank statements and, if applicable, property lease and/or franchise agreement
  • What else can I include to expedite the decision-making process?

    While not strictly required, providing more information can lead to faster decisions:
    • Complete bank statements for the last three months of your primary revenue account
    • Detailed business background
    • Financial statements and bank statements for all transaction sizes
    • Explanation for any past bankruptcy or material lien
    • List of top customers by revenue
    • Existing financial obligations
    • Your internal business case for the equipment purchase
    • Professional biographies
    • Personal financial statements
    • Business ownership structure
     
  • What additional information is required for financing amounts above $250K?

    For amounts exceeding $250K, please provide complete financial statements for the last two fiscal years plus the most recent year-to-date (YTD) available. Management-prepared statements are acceptable if accompanied by a corporate tax return.
  • How can I submit an application with Amur?

    To submit an application, you need to provide the following:
    • Business Information: A signed credit application identifying your business name and EIN. If your state of incorporation is not accurate or you're a sole proprietor, proof of time in business is required.
    • Personal Guarantor: The guarantor's Social Security Number and consent to pull personal credit. You also need to list individual business owners with more than 25% ownership.
    • Equipment Information: Include an invoice with specifications, VIN/Serial number, and miles/hours (if applicable). Provide justification for the equipment purchase and details on the equipment location. Include down payment details and your desired end-of-term option (e.g., full payout or purchase option).