Make a Loan Payment Online
*Online payments received before 5:00 p.m. EST will be processed the same day. Payments received after 5:00 p.m. EST will be processed on the next business day. Phone payments that exceed $500 or placed with your credit or debit card may incur a fee. See our fee schedule for details.
Frequently Asked Questions
Q: Who can register to make online payments?
A: Only a primary member may register for an online payment account. Joint members are not able to register for an online payment account at this time.
Q: What is the maximum payment amount I can make with the online payment portal?
A: You can make a payment up to $2,500.00 when you pay online. For larger loan payments, consider making a payment at your local branch location. Please note, in-person payments completed at a branch above $2,000 may incur a fee.
Q: Can I pay off my loan using the online payment portal?
A: No. Please do not use online payments to pay off your loan as this may cause a payoff shortage and delay the release of your title. For assistance with a loan payoff, please contact us at 1.800.621.0287 or visit a branch location near you.
Q: Can I make an online payment by credit or debit card?
A: No. Online payments can only be processed with your checking account and routing numbers. If you would like to make a payment using a credit or debit card you may do so by visiting your local branch location or by calling 1.800.621.0287 for our automated phone services. Please note, in-person payments completed at a branch above $2,000 and phone payments using a card or above $500 may incur a fee. Please see our fee schedule for details.
Q: How many days can I postdate/future date an online payment?
A: You can make an online payment up to 30 days in advance.
Q: Is there a submission deadline for online payments?
A: Yes. Online loan payments must be received before 5:00 p.m. EST to be processed on the same day it is received. Payments received after this deadline will be posted to your account the following business day.
Q: Will I get confirmation that my online payment was successful?
A: A confirmation email will be sent to the email address you provided to confirm that your online payment has been processed.
Q: What if my online payment is returned?
A: Returned payments are subject to Non-Sufficient Fund Fees/ACH. Please see our fee schedule for details.
Q: How can I cancel an online payment I submitted?
A: You may be able to cancel an online payment if you contact us on the day the payment was initiated. Please call our Member Contact Center at 1.800.621.0287 for assistance.
Q: I am trying to register for online payments for the first time. I keep getting a message that my account is unavailable for 24 hours. How do I fix this?
A: For your security, online payment accounts are locked during registration when we are unable to validate your identity. Most likely, you answered one or more validation questions incorrectly during this process. Don’t worry, you can try registering again after 24 hours have passed. If you need to make a payment sooner, you may contact us at 1.800.621.0287 to initiate a payment over the phone. Please note, a Representative Loan Payment fee may apply.
Q: What if my user ID is locked?
A: If your user ID is locked and you are not trying to register for the first time, please contact us at 1.800.621.0287 for assistance in unlocking your account.
Q: What do I do if I forgot my online payment user ID?
A: For your security and protection, we are unable to provide you your user ID. You will need to set up a new online payment account and new user ID. Click the “Make a Payment” button above to navigate to the online payment login screen, then select “Register” to get started.
Q: What if I need help resetting my online payment password?
A: To reset your password, click the “Make a Payment” button above to navigate to the online payment login screen, then select “Forgot your Password” link.
Q: I registered and I can log in, however, I cannot make an online payment. Why is this?
A: If you can log in to the online payment portal, but do not see the option to make a payment, this means you do not have an eligible loan to make payments online. If you feel this is in error, please call our Member Contact Center at 1.800.621.0287 for assistance.
Q: I’d rather make a payment using the CU West Mobile App. How do I register for Mobile Banking?
A: Any member with a Credit Union West checking account may register for Online Banking and use our Mobile App for convenient account access. If you currently have a loan and savings account with us, consider adding one of our free checking options for this added account benefit!
Q: What if I wanted to call to make a payment over the phone instead?
A: If you prefer to make a payment by phone, call 1.800.621.0287 and select option 5 then option 8 to use our automated phone system. Please note, paying online or in Online Banking is free of charge, however, making a payment over the phone may incur a fee.
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