All Smart Financial locations will be closed this Wednesday, June 19th in observance of Juneteenth. Our normal business hours will resume on June 20.



Convenient ways to make payments on your loan.

Loan Payment Options

Payment Portal

Payment Portal 

Pay your Smart Financial loans directly from your account at another Financial Institution. All you need is your routing number and account number.

Smart Financial Mobile App

Mobile App

Manage your loan with the Smart Financial Mobile App. Move money from your Smart Financial checking or savings to pay your loan. View analytics on your loans. 

Online Banking

Online Banking

Securely manage your accounts on your laptop, desktop or tablet browser. Transfer money between accounts in seconds and make anytime loan payments. 

phone payments

Phone Payments

Available 24 hours a day/7 days a week, Smart Line gives you convenient access to your loans. Transfer funds from your Smart Financial savings or checking to pay your loans. Access accounts balances, transaction history, and apply for a loan. You'll also be able to make financial transactions and inquire about dividends or interest.

To enroll for this FREE service, contact Member Services at (713) 850-1600 or (800) 392-5084.

Learn More About Smart Line

mail in payment

Mail Your Payment

Send your loan payments to:

Smart Financial Credit Union, P.O. Box 920719, Houston, Texas 77292.

Ask an expert

Have questions about personal loans or lines? Our lending team is ready to help. Learn about your loan options, and get personalized estimates for your situation.

Call us! If you would like to speak to a Lending Specialist, call us at 713-407-1755.

Terms and Conditions


Payment Portal FAQs

The SFCU payment portal can accept SFCU loan payments directly from your bank account at another financial institution, all you need is a routing and account number.

Smart Financial Consumer, Mortgage, and Commercial loans can be paid via our Smart Financial Website Payment Portal. The following loan types are excluded from this payment channel: Consumer Line of Credit, Commercial Line of Credit, Mortgage Home Equity Line of Credit (HELOC).

The cost to make a payment via the Smart Financial Website Payment Portal is $3.00. You can submit payments through SFCU online banking to your SFCU loan free of charge.

The maximum payment amount is $10,000.

Yes, you can set up recurring payments via the Smart Financial Website Payment Portal.

You can schedule your loan payment up to 14 days prior to your loan due date.

You can pay up to three times (3 payment transactions) per month. If you attempt more than three payments in a 30-day period you will receive an error.

If you did a same day payment you may call 713-850-1600 to cancel your transaction that same day. If you did a future date payment you may log into the payment portal to cancel your transaction.

Loans out for repossession or under bankruptcy will be excluded from being able to pay.

No, there is not a dropdown option to designate how to apply the payment. All payments are submitted as “Regular Payments” (i.e. principal & interest).

No, if they already have an SFCU deposit account they can log into online banking to make the loan payment.

Payments are posted within 48 -72hrs.