Paying Your Loan from Home is Easy with Online Loan Pay

Online Loan Pay is an easy way to make your MCU Loan Payment using a debit card or bank account from another financial institution, especially if you don't have time to visit a branch to make a payment. See how Online Loan Pay compares to our other loan payment solutions that you can use from home and decide which loan payment method is right for you.

Online Loan Pay
Go to Online Loan Pay
Payment by Phone
Call 1-800-951-8000
MEMCU Online and Mobile
Sign In or Enroll

How much does it cost to make a payment

As low as $0

One time payment is $4. If you use Auto Pay to schedule recurring payments it is FREE!


The cost is $7 to make this type pf payment by phone.

Always Free!

FREE! It is free to transfer funds from one of your MCU accounts to make a payment to your loan.

Available 24/7

This service is available 24/7.
Available during our normal business hours, Monday through Friday, 8 AM to 5 PM, except on holidays.
 This service is available 24/7.

Allows you to make a payment by transferring funds from your MCU Account(s)

No No Yes

Allows you to use a Debit Card or Bank Account from another financial institution

Yes Yes No

Allows you to use a Debit Card or Bank Account from another financial institution

We accept Visa, Mastercard, and Discover
We accept Visa, Mastercard, and Discover

Allows you to schedule recurring payments

Yes, and its free. No Yes, and its free.

Get started


Call 1-800-951-8000
Sign On

Frequently Asked Questions

How do I register for online loan pay?
Click on "Online Loan Pay" from the home page of and follow the instructions.  You will need to know your member number and loan account suffix (last three digits on your loan account) to make a payment.
Is there a fee to use Online Loan Pay?
You are charged a fee of $4 to make a one time payment using Online Loan Pay. If you set up automatic payments (AutoPay) in Online Loan Pay you are not charged a fee.
What loans can I pay with Online Loan Pay?

The types of loans that can be paid include MCU auto loan, MCU home improvement loan, MCU debt consolidation loan, and MCU line of credit loan or personal loans. The loans must be loans held at MCU.

What kind of payments can be made in Online Loan Pay?

You can make your monthly MCU loan payment with a debit card, credit card or account from an external financial institution using Online Loan Pay. If you want to make your payment using your MCU account, you can do so for free within our online banking service.

Payments can be scheduled one time or you can set up recurring payments when you set up AutoPay.

We accept Visa, Mastercard, and Discover.

How do I schedule recurring/automatic payments?
  • Select the loan account that you want to pay and then click "Set Up AutoPay."
  • On the Edit Scheduled Payment screen, select an account from the Pay From Account drop-down menu or Add Another Payment Method.
  • Verify the payment amount and select the frequency of payments.
  • Select the start date,  end date, and check the "Process Before Box" if you want the transactions that fall on weekends or holidays to be processed on the closest business day before the normal payment date. Then click next.
  • Review and verify the payment schedule, review the disclaimer and check the box to agree.
What is Express Pay?
Express pay is a fast and easy way to make a one time payment with an external bank account or debit card without having to register for Online Loan Pay.
Are there other ways at MCU to make a loan payment that is not mentioned on this web page?
Yes. Download our loan payment informational flyer to compare all loan payment methods, not just the ones you can use from home. Download Flyer
What Credit Cards are accepted in Online Loan Pay?
We accept Visa, Mastercard, and Discover
Who do I call if I am locked out of Online Loan Pay?
You can call our Online Loan Pay support number at  1-800-304-2273 to get help logging in. Please note that SWBC, our payments processing partner, manages this support line and can't transfer you to MCU.