SMS Terms and Conditions

SMS Terms and Conditions

Please read these SMS Terms and Conditions carefully. By signing up for one or more text messaging programs, you expressly consent to receive non-marketing text messages from Caterpillar Financial Services Corporation (“Cat Financial” or “we” or “us”) and others texting on its behalf, including text messages made with an automatic telephone dialing system (“autodialer”), at the telephone number(s) that you provide. You may opt-out of these communications at any time, and consent to receive text messages is not required to purchase any goods or services.  

Program Description

Cat Financial and its service providers may use an autodialer to deliver text messages to you. Cat Financial text messages are intended to provide you with information regarding your transactions with us. 

Message Content

You acknowledge that our text messages may include information about your transactions with us, an application or your account, including your account balance or payment due date. We will never include your full account number, password, or other sensitive information in a text message. 

Message Frequency

The number of Cat Financial text messages that you receive will vary depending on how many text messaging programs for which you sign up to receive messages and the number of transactions you have with us.   


Message and data rates may apply to each text message sent or received in connection with Cat Financial text messages, as provided in your mobile telephone service rate plan (please contact your mobile telephone carrier for pricing plans), in addition to any applicable roaming charges. Cat Financial does not impose a separate fee for sending Cat Financial text messages; however, you are responsible for any fees imposed by your mobile carrier of any kind whatsoever.

How to Opt-In

To opt-in to receive text messages from a Cat Financial text messaging program(s), please follow the instructions provided by the specific program from which you wish to receive messages. Once you enroll in a Cat Financial text message alert program, you will have an opportunity to confirm or decline the service via a reply to an initial text message you will receive. By replying Y to this initial message, you are confirming a subscription to the text message program. 

How to Opt-Out

To stop receiving text messages from a specific Cat Financial text messaging program, text STOP to the five-digit short code for the text messaging program from which you no longer wish to receive messages (i.e., the five-digit number from which its text messages are being sent). You acknowledge that you will then receive one (1) final message from Cat Financial confirming your opt-out of that text messaging program. Following such confirmation message, no additional text messages associated with that program will be sent to you unless you re-activate your subscription. This will only opt you out of the specific text messaging program associated with that five-digit short code. You will remain opted in to other Cat Financial text messaging programs. 


Your Mobile Telephone Number

You represent that you are the account holder for the mobile telephone number(s) that you enroll. You are responsible for notifying Cat Financial immediately if you change your mobile telephone number. You may notify Cat Financial of a number change by contacting Customer Service at 1-800-651-0567.

You agree to indemnify Cat Financial in full for all claims, expenses, and damages related to or caused in whole or in part by your failure to notify Cat Financial if you change your telephone number.

Access or Delivery to Mobile Network is Not Guaranteed

It is your responsibility to determine if your mobile carrier supports text messaging and if your mobile device is capable of receiving text messages. Our text messages are subject to the terms and conditions of your agreement(s) with your mobile carrier.  

Delivery of information and content to a mobile device may fail due to a variety of circumstances or conditions.  You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Cat Financial’s control, and Cat Financial is not responsible or liable for issues arising from them or for delayed or undelivered messages.

Supported Carriers

Supported carriers may change from time to time, but currently include AT&T, Sprint/Boost,/Virgin, T-Mobile/MetroPCS, Verizon Wireless, CellCom USA, C Spire Wireless, U.S. Celluar, Carolina West Wireless (CWW), and Google Voice, among others. 

Carriers are not liable for delayed or undelivered messages.
T-Mobile® is not liable for delayed or undelivered messages.


To request more information, text HELP to the five-digit short code for the text messaging program about which you have questions (i.e., the five-digit number from which its text messages are being sent). You may also receive help by contacting Customer Service at 1-800-651-0567. 


To receive Cat Financial text messages, you must be a resident of the United States and 18 years of age or older.  Cat Financial reserves the right to require you to prove that you are at least 18 years of age.

Changes to Terms and Conditions

Cat Financial may revise, modify, or amend these SMS Terms and Conditions at any time.  Any such revision, modification, or amendment shall take effect when it is posted to Cat Financial’s website.  You agree to review these SMS Terms and Conditions periodically to ensure that you are aware of any changes.  Your continued consent to receive Cat Financial text messages will indicate your acceptance of those changes.

Termination of Text Messaging

We may suspend or terminate your receipt of Cat Financial text messages if we believe you are in breach of these SMS Terms and Conditions.  Your receipt of Cat Financial text messages is also subject to termination in the event that your mobile telephone service terminates or lapses.  Cat Financial reserves the right to modify or discontinue, temporarily or permanently, all or any part of Cat Financial text messages, with or without notice.


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