Make A Loan Payment
We offer a number of ways to pay your loan!
Pay your Austin FCU loan
Pay online
The easiest way is to pay online with either an automatic payment or a one time payment.
Automatic Payments
Automatic payments give you the confidence to never miss a payment. Just set it and forget it through our online system.
- Payments can be taken either from an Austin FCU account, or an account with another institution.
- For Austin FCU Accounts, you’ll need to know your loan suffix.
- For Accounts at another institution you’ll need your loan suffix and the routing and account number for your other institution.
- Click below to submit a request to have automatic payments set up for your account today!
Pay with an AFCU account > < Check link
Pay with an External account >
*Austin FCU uses the Repay payment platform to allow members access to self-service autopay. Note that this is NOT the same login as your Austin FCU online banking. You will need to click “Customer Login” on the Repay page to set up a portal account to manage your automatic payments from an external account.
We also offer automatic payments on credit card accounts, click here to submit a request <check link / build page>. to set up automatic payments for your credit card.
One time payments
You can also make one time payments on any loan through our online portal.
- Please have your account number, loan suffix and payment amount.
- MasterCard Debit, Visa Debit and Discover Debit accepted (fee applies)
- Routing and account number required for account transfer option (ACH option always FREE)
To make a one time payment, click on the button below.
*Payments made prior to 2pm CST will post same-day Monday-Friday. If you need your payment posted immediately, please contact the Loan Department directly. Payments made after 2pm CST will be considered dated the following business day. There is a $2,000 per payment limit using this portal. If you need to make a payment of more than $2,000 please contact us. NOTE: The name on the card or account used to make the payment must match a name that is listed as a signer on the account.
Other payment options
We want to give you as many options as possible in how you take care of an Austin FCU loan. Here are some other options for how to pay your loan:
Automatic In-person payments
For in person payments we offer two convenient options:
Austin FCU Branch:
Visit our branch in person to make your payment directly with one of our friendly tellers. Our branch is conveniently located at the corner of Parker and Woodward in Southeast Austin.
Branch Address:
1900 Woodward Street
Austin, TX 78741
Co-Op Shared Branching:
Visit one of the more than 5,000 credit union branches in the Co-Op network of shared branching to make your payment.
You will need to fill out a special deposit slip for shared branching. Let the teller at the Shared Branch know you bank with Austin FCU, and be sure to bring your full account number with loan suffix, as well as valid government-issued photo ID (e.g. driver’s license, US passport).
By Mail Payments
Send a scheduled payment to:
Austin FCU
1900 Woodward Street
Austin, TX 78741
Be sure to include your account number on your payment for proper processing.
Loan Payoff
Before sending a payoff to the branch be sure to reach out to our loan officers to confirm the payoff balance and ensure we have your current information on file for proper title release.
Loan payoffs can be made:
In person at our branch:
1900 Woodward Street
Austin, TX 78741
Loan payoffs can be sent via USPS or Courier to:
Austin FCU
Attn: Loan Payoffs
1900 Woodward Street
Austin, TX 78741
Via Wire Transfer:
Austin FCU utilizes Catalyst Corporate as a receiver for wires. When wiring funds to an Austin FCU member, Austin FCU is the recipient and funds are credited to the member as soon as they are received.
Please follow the instructions below to send a domestic wire to Austin FCU (we are unable to receive international wires):
Receiving Financial Institution:
Catalyst Corporate Federal Credit Union
6801 Parkwood Rd
Plano, TX 75024
ABA # 311990511
For credit to:
Austin Federal Credit Union
1900 Woodward Street
Austin, TX 78741
ABA/Account # 314977418
For final credit to (include in memo or bank to bank info):
Member’s Name & Account Number AND Account destination (savings, checking or loan)
Be sure to include your loan suffix for payment processing.
*Note that hold periods on checks and title processing may prevent us from releasing a title even if a loan is paid off in person at the branch. If you’re in immediate need of your title please contact us prior to making the payoff so we can advise you on the best course of action.
Difficulty making payments?
Having difficulty making your loan payments?
Austin FCU is here to help. We understand that life can sometimes throw unexpected challenges your way, and keeping up with loan payments may become difficult. If you’re finding it hard to make payments, don’t wait – reach out to us as soon as possible. The sooner you let us know, the more options we have available. Please see below for more information on payment assistance.
Learn more about Payment Assistance
Grace Period
All Austin FCU loans come with a 10 day grace period. This means that you can make your payment up to 10 days after the due date without paying late fees. So if you just need a few extra days this month, don’t worry about it – pay before the grace period is up and you can carry on next month like usual.
Due Date Changes
We understand that managing bills alongside your paycheck schedule can be tricky. To make things easier, we offer the option to change your loan due date by up to 14 days. This small adjustment can help align your payments better with your income or other financial obligations. If you think this could help you stay on top of your payments, contact us to discuss changing your due date!
Skip-A-Pay
Just need a little extra room in the budget this month? All Austin FCU loans are eligible to Skip up to 2 payments per calendar year, as long as six consecutive payments are made before each skip. The fee for skipped payments is $35 for loans where your payment is $499.99 or less and $45 if the payment amount is $500 or more.
Apply online or download the PDF application.
*Application is subject to approval and does not apply to Unimproved Property loans, Home Equity loans, Real Estate loans, Line of Credit, and MasterCard Credit Cards.
Hardship Deferral
If you’re facing a temporary hardship, you may be eligible to defer a loan payment. You can request up to 2 deferrals within a 3-year period, as long as your loan is no more than 2 months delinquent at the time of your request.
To request a Hardship Deferral payment, please contact us via email at [email protected]. Let us help you get through this rough patch!
*Application is subject to approval and may not be available for all loan types.
Refinance
If you’re struggling to keep up with your current loan payments, refinancing may be an option to help lower your monthly amount. We treat this like a standard internal refinance and may even offer a term extension to help reduce your payment if needed. Keep in mind that you’ll need to meet our underwriting criteria, and your vehicle must meet collateral requirements.
Interested in exploring your refinancing options? Contact us today to see how we can help you manage your payments more comfortably!