loan payment options

we like easy

that’s why we offer so many ways to make secure loan payments.

With United, it’s easy to make a secure loan payment. Take a look at the options available to you below and we’ll walk you through how they work.

online banking

Make a loan payment 24/7 by simply transferring funds from your United checking or savings account directly to your loan. Just log in to Online Banking, select Move Money on the left navigation menu and click Pay Loans. You may also set up a reoccurring payment from this screen, or add an external account to make payments. New to Online Banking, enrolling is free and easy. Click here to learn more

Log In

call our Member Service Center

(888) 982-1400
Monday - Friday: 8:00 am to 1:00 pm ET
Saturday: 8:00 am to 4:00 pm ET

mail your payment

United Federal Credit Union
PO Box 125
St. Joseph, MI 49085

in person

Find a branch location close to you.


United QuickPay® Online

Make a payment today on your United Auto, RV, Boat, Motorcycle or Personal loan using your debit card, checking account, or savings account from another bank or credit union. Sign in using the loan account number found on your monthly statement and the last 4 digits of your Social Security Number. Payments made after 7:00pm ET will be processed the next business day. A service fee of $10.00 is assessed for each payment.

Pay Now

To make a payment with your debit card using our automated phone system, please call (866) 813-0400.

Click here for QuickPay Terms and Conditions


Need a break? We've got you covered

Ever wish you could hit "pause" on your monthly loan payments? With our Skip-a-Pay program, you can. Skip-a-Pay is a great option for when things don't go as planned or you need some extra cash during the month.

To qualify for Skip-a-Pay:

  • Requests must be received 7 days before payment date
  • Loan must have at least 12 months of payment history
  • You have not had more than one other skip within the calendar year
  • All United loans must be current at the time the offer is requested
  • You must have full coverage insurance on your vehicle loan

Qualified Skip-a-Pay will allow most members to skip loan payments for up to 30 days. If you have made a payment on your loan today, you must wait 24 hours to apply for a Skip-a-Pay for your next loan payment period. If your payment is automatically scheduled from another bank or credit union, don't forget to reschedule the payment.

If you have an Installment loan, click the button to apply through our online form.

Skip Your Installment Payment

If you have a credit card, home equity or mortgage loan, or if you do not have online access to your account, you can call us for assistance.

(888) 982-1400

United Routing Number: 272484894


facebook icon 
instragram icon 
twitter icon 
youtube icon 
linkedin icon 

Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (888) 982-1400 for some help. All products and services available on this website are available at all United Federal Credit Union full-service locations.