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For example, BMO might ask you to have a cosigner or put up a larger downpayment. If you did not receive your code please check: Your phone is on and has coverage based on your current location, and is able to receive messages. Another lender or the original lender under different terms will agree to buy up the remaining debt. You may not receive your code immediately. If you want to pay off your loan early you will need to call a BMO representative or make an appointment at your local branch to discuss the process.