How to Use SmartPay to Make & Update Loan Payments

Use our SmartPay portal to make loan payments, add or change accounts, and more!

Go to ExtracoBanks.com
Click on the orange Secure Login button at the top right corner of the page
Select Loan Payment from the dropdown menu
When you arrive on SmartPay, select Create an Account
Under User Registration, fill in your preferred username as well as your information
Once registered, your browser will send you back to the Loan Payment Home Screen
A temporary password will be sent to your email address from EPSCustomerSupport@jackhenry.com
Using your temporary password, log into the SmartPay portal and create a new password.

Go to ExtracoBanks.com
Click on the orange Secure Login button at the top right corner of the page
Select Loan Payment from the dropdown menu
When you arrive on SmartPay, select Make a Payment
Enter your first name, last 4 of social, and date of birth
Once your loan information appears, click Pay on the right side of the loan status
The system defaults to the total amount due, but you can specify another amount
Once payment amount is correct, select Continue
On the next screen, you may select Review Payment Options to return to the previous screen
Fill in the required fields
View the Confirmation page to ensure everything is correct
Click Agree & Submit

Note: Payments submitted after 3:00pm will be processed the next business day.

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To adjust saved payment accounts, customer must have a user account.
Login to SmartPay using the credentials created above
When in the platform, select Edit Payment Options at the top right of the screen
From the list of saved Payment Options, click the arrow on the right side of the list
Select Edit
Modify any of the saved fields and push Update to save your changes
To delete a payment option, simply click Delete
To add a payment option, click + Add Payment Option

View our FAQs about SmartPay features, consumer loans, mortgages, and how to set up automatic payments.