Get Started

Please enter your information below or call 888-88-SMART(76278)

Please have a RECENT BILL or LOAN PAYMENT BOOK available
or enter the information below now.

The best way to pay your bills.

  • Convenience
  • Match Lower Payments to Your Paydays
  • Pay Off Loans Faster

Benefits of SMART Payment Plan®



No need to write and mail checks. Lower automated payments are easier.


Match lower payments
to paydays®

Simplify your budgeting and finances.


Pay off loans sooner – reduce debt faster

Home mortgages up to 7 years faster. Auto loans up to 8 months faster.


Eliminate late fees

On-time payments can improve credit scores.


Build equity faster

Own your car or home sooner, and own more when you sell or trade.


Safe and secure payments

Electronic payments are safer than mailing checks.


Good for the environment

Less paper saves trees, and less mail reduces carbon emissions.

Automate Savings

Automate savings to match your paydays with the SMART Saving Plan.

Get Started!

What Are My Benefits?

Fill in the fields below to find your benefits with SMART Payment Plan®

all fields required

What our clients are saying…

We recently asked our clients how we are doing. Here are some responses...

Ever since I've been with SMART Payment Plan I've never had a late payment!

Paige Crounse

We love SMART Payment Plan are very thankful for you!

Nicole Burnett

With SMART Payment Plan I paid off my car faster and sooner than I thought!

Chefran Cruz

SMART Payment Plan has made our life so much easier and we don't miss any of our scheduled payments!

Katina Hungerford

I love SMART Payment Plan. It's made my life so much easier.

I love love love that I can pay my loan off faster!

Yashica Harris

I can't imagine living without SMART Payment Plan!

Lauren Landreville
Samantha B.
They should call this the EASY plan because it makes my life a lot easier. Paying my bills and making it between paydays is so much easier with lower bill payments that happen automatically when I get paid.
Steven G.
Great way to break down the monthly bills. IT helped me set a budget me and my wife could afford.
The Smart Payment Plan has been an outstanding asset to me. I've been able to pay-off over $20,000 in car payments without any stress or emotional pressure. My payments were automatically made for me without the worry of remembering dates or having late fees. For anyone who feels overwhelmed with debt, I strongly urge them to avail themselves of this company. One's stress & concern about debt will be alleviated.
Jo Ann G.
This is the first time I have used your service , it works great for my budget. Thanks Smart Payment plan. Keep up the good work.
Jay B.
I love SMART Payment Plan. I travel a lot and they take the stress out of paying my bills! Thank you SMART Payment Plan!
Brian M.
I am always so busy that paying my bills is the last thing I want to think about. My dealer offered me SMART Payment Plan when I bought my car. They help me make my payments on time and I'm paying my loan off sooner. Thank you!
Gabby C.
I use them for my house, car and school loan payments. It's so much easier to have lower payments that match my paydays. Over four years and have never had a problem. I love it.
Brian L.
SMART Payment Plan has made a huge impact on my personal and business life. SMART has made my life simple and I have zero stress about traveling or getting busy with family, work, etc. I never worry about any of my bill being due or being late - it's so easy and convenient!
Janice I.
I've been using them since November 2011 when we bought our Accord. Now, I have them pay my car, home, cable bill and credit card. Makes my life so easy and now I have less things to worrry about. Love, Love, Love it.
Joshua D.
This is a great service and it really helps me manage my budget. I have not been late on a payment since I signed up.
Chandra R.
I recommend Smart Pay to all my friends. Thanks to them we saved money by paying car off early. It really helps you manage money wisely.
Phillip T.
We love SMART Payment Plan. So easy and hassle-free. We are using it for our mortgage too.
Virginia B.
I've been with them for years!!! They are awesome!!!
Arturo R.
The Smart Payment Plan helps me pay my bills on time without having to worry of late or missed payments. It's simple and easy to use. The best part of it helps payoff bills early.

What the experts are saying…

Oprah describing "one easy step" to cut years off of a mortgage

Mr. Wonderful says make a plan to accelerate principal payments on your mortgage, student loans and credit cards.

Let Us Pay Your Bills®