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Who is SMART Payment Plan?
We are a nationwide bill payment service that's been helping hundreds of thousands of
people just like you pay off their loans faster, simplify budgeting and pay bills more conveniently for over 18 years.
How does it work?
We automatically debit lower loan/bill payments to match your paydays and remit payments to your
lender on or before the monthly due date. Our set-it-and-forget-it plan pays down your loan faster.
You'll enjoy the convenience and easier budgeting while reducing your debt faster.
Watch our CEO explain How it Works
It's extremely safe. Electronic transactions are safer than checks. Avoid the most common source of
identity theft - stolen mail. Federal Banking Laws give you up to 60 days to reverse electronic
How much does it cost?
There is no upfront cost for the program. A $2.49 transaction fee is included in each debit
for clients who get paid every two weeks or twice per month. If you get paid weekly, it's only
$1.25 per debit. Consider the convenience, your savings on stamps, checks, your
time and eliminating late fees.
If you are satisfied with the program, a $399 membership fee is retained from your
initial accelerated debits.