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.

The easy way to pay your bills

Let us break your big monthly bills into lower and easier automated payments that match your paydays.




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 .

Get Started!

Fill in the fields below to find your benefits with SMARTPAY®

all fields required

What our clients are saying…

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

Paige Crounse

We love SMARTPAY are very thankful for you!

Nicole Burnett

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

Chefran Cruz

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

Katina Hungerford

I love SMARTPAY. 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 SMARTPAY!

Lauren Landreville
Jay B.
I love SMARTPAY. I travel a lot and they take the stress out of paying my bills! Thank you SMARTPAY!
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.
Virginia B.
I've been with them for years!!! They are awesome!!!
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.
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.
Brian L.
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!
Steven G.
Great way to break down the monthly bills. It helped me set a budget me and my wife could afford.
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.
Brian M.
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!
Jo Ann G.
This is the first time I have used your service, it works great for my budget. Thanks SMARTPAY. Keep up the good work.
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.
Arturo R.
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.
Phillip T.
We love SMARTPAY. So easy and hassle-free. We are using it for our mortgage too.
Chandra R.
I recommend SMARTPAY to all my friends. Thanks to them we saved money by paying car off early. It really helps you manage money wisely.

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®