The Easy Way to Pay Your Bills

We make your monthly bills hassle and stress-free by breaking your bills into lower automated payments that are aligned with your paydays.

  • Automate Bill Payments
  • Match Payments To Paydays
  • Pay Off Loans Faster
  • Eliminate Late Fees
Remove hassle and stress from your monthly bills

Welcome to SMARTPAY

We take the hassle and stress from your monthly bills by breaking your big monthly bills into lower and easier automated payments that match your paydays.

Schedule a consultation and get an answer to any questions you have

The New Way of Paying Your Bills

Monthly bills can be stressful


Are you struggling to keep up with due dates, miss payments, and are getting charged late fees?

Are you constantly feeling stressed from the pressure of keeping track of multiple bills every month?

Are you trying to find a way to match your bills payments to your paydays?

Do you want to eliminate late and missed payments and cut down the time it takes to pay off your loan?

And finally, do you want to never worry about finances from this day forward, and let us save you time and hassle by paying your bills for you?

SMARTPAY does all that… and more!

Schedule a consultation and get an answer to any questions you have

The New Way of Paying Your Bills

Break your monthly bills into lower, easier automated payments

Break Your Monthly Bills Into Lower, Easier

Automated Payments That Match Your Paydays

Are you tired of feeling weighed down by all your monthly bills? We get it; managing your bills, especially when they're scattered on different dates — can be a stressful experience.

SMARTPAY is the answer.

We simplify your budgeting by breaking up your bills into manageable, automated payments that align with your paydays.

No more late fees, no more penalty charges, and no more worrying about juggling finances.

Schedule a consultation and get an answer to any questions you have

Pay off your loans and debts faster

Pay Your Loans Faster and

Eliminate Debt Faster

Pay off home mortgages up to 7 years faster and car loans up to 8 months faster.

We do this by spreading out the payments in an easy and manageable way, allowing for extra payments to be made towards the principal of the debt, and paying off your loans faster.

This results in paying off your mortgage, car loans, school loans, and credit cards sooner.

Schedule a consultation and get an answer to any questions you have

Eliminate stress and worry about your monthly bills

Leave the Stress to Us

Let us worry about the stress of your finances while you focus on the things that matter most in life.

Transform your monthly payments into lower, automated payments that match your paydays.

Enjoy peace of mind knowing your bills are taken care of, and never worry about late fees again.

Schedule a consultation and get an answer to any questions you have

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.


SMARTPAY has many benefits

Say goodbye to the hassle of keeping track of multiple bills each month and enjoy the convenience of automated and manageable payments with SMARTPAY.

Build Equity Faster

Own your car or home sooner.
Sometimes saving you years by paying your loan much faster.

Eliminate Debt Sooner

Pay off your loans faster and eliminate debt sooner.

No Late Fees

By having a system that pays all your bills on time, we make sure you never get charged late fees.

Match Payments to Paydays

Instead of paying one big payment each month, we break up the bill over weekly or biweekly payments that align with your paychecks.

Safer and More Secure Payments

Electronic payments are safer than writing checks.

Schedule a consultation and get an answer to any questions you have

What People Are Saying

Ever since I've been with SMARTPAY I've never had a late payment!

Paige Crounse

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

Katina Hungerford

With SMARTPAY I paid off my car faster and sooner than I thought!

Chefran Cruz

We love SMARTPAY are very thankful for you!

Nicole Burnett

I can't imagine living without SMARTPAY!

Lauren Landreville

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

Yashica Harris

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.

Joshua D.

This is the first time I have used your service, it works great for my budget. Thanks SMARTPAY. Keep up the good work.

Jo Ann G.

I love SMARTPAY. I travel a lot and they take the stress out of paying my bills! Thank you SMARTPAY!

Jay B.

I am always so busy that paying my bills is the last thing I want to think about. My dealer offered me SMARTPAY when I bought my car. They help me make my payments on time and I'm paying my loan off sooner. Thank you!

Brian M.

SMARTPAY has made a huge impact on my personal and business life. SMARTPAY 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!

Brian L.

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.

Janice I.

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.

Samantha B.

I've been with them for years!!! They are awesome!!!

Virginia B.

Great way to break down the monthly bills. It helped me set a budget me and my wife could afford.

Steven G.

I love SMARTPAY. I travel a lot and they take the stress out of paying my bills! Thank you SMARTPAY!

Jay B.

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.

Gabby C.

We love SMARTPAY. So easy and hassle-free. We are using it for our mortgage too.

Phillip T.

The SMARTPAY 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.

Arturo R.

I recommend SMARTPAY to all my friends. Thanks to them we saved money by paying the car off early. It really helps you manage money wisely.

Chandra R.

The SMARTPAY 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.

Arturo R.

Schedule a consultation and get an answer to any questions you have

Still Have Questions?

Relax. We have you covered!



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 20 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.

Is it safe?

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 debits.

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 membership fee up to $399 is retained from your initial accelerated debits.

What bills can I pay?

You can add home loans, automobile loans, school loans, credit card payments and any other fixed monthly bills like rent and daycare for $1 per debit per bill. Click here to view a summary of SMARTPAY's fees.

It sounds too good to be true.

It's not. It's simply converting your payday schedule to the bank's collection schedule. It works because you are paying more toward your principal each year.

What if I need to cancel or change a debit date?

Call us more than 3 days (or 72 hours) before a scheduled debit.

What if I won't have enough money in my account?

Just call us, and we'll reschedule or stop your automated plan. You'll need to make payment to your lender on your own. You can stop or restart the program at any time.

What's your contact information?

Client Support: 800.481.6863
Sales: 888.887.6278 (888.88.SMART)
Fax: 866.728.1370

Mailing address:  501 Congress Ave, Suite 150, Austin, TX 78701.

Leave the stress
of your finances

to us while you
focus on the
things that matter
the most to you

Schedule a consultation and get an answer to any questions you have

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.

*By submitting this Get Started form, you give SMARTPAY consent to use automated technology to call and/or text message you at the telephone number provided. Carrier messaging rates may apply. Please note that you are not required to give this consent to receive SMARTPAY's service. If you wish to withdraw your consent to receive automated calls and/or text messages, please contact us 800.481.6863.