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The cut-off time for making payments is 10 p.m. (CT). Loan payments made after 10 p.m. (CT) will be processed the next Business Day. Business Days are Monday. If you're late on your car payment by less than 30 days since its due date, you'll likely hear from BMO by email, phone or mail reminding you of your payment. You assume the risk of loss of your data during any system failure or interruption and are limited to one payment every 14 calendar days. Additional payments.