La Capitol Loan Payment System
The Loan Payment Center, an upgraded online platform, lets you manage your loans, credit cards, and mortgage loans in a simple and secure way.
Make a Loan Payment
You can use the loan payment center to quickly and securely make your loan payments using funds from another institution’s checking or savings account or using an alternative debit card.
Payments should be initiated one at a time and entered separately. Each transaction will be counted as one payment and may not exceed $3,000. Please allow up to 72 hours for your payment to post to your loan account. Payments can also be made by phone at 1-800-522-2748, select option 1.
Online Payment Platform Features
- Debit Card and ACH (Automated Clearing House) Payments: There is a $15 fee per payment, but recurring ACH payments are free.
- Schedule & Track Payments: Set up one-time, future, or recurring payments and get instant confirmation.
- Text Reminders: Set up text alerts so you never miss a payment.
- Pay-by-Text: Make payments with your phone.
Payment Center FAQs
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Do I need to create an account to make a payment?
No account is required. You can use the Guest Pay option to make a one-time payment without registering.
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What payment methods can I use?
You can make payments using a bank account or a debit card.
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Can I set up recurring payments or auto-pay? Will I be charged any fees?
Yes. Recurring and one-time ACH payments—electronic transfers made directly from your bank account—can be set up free of charge by calling our Contact Center at 1-800-522-2748 or through the Loan Payment Center. A $15.00 convenience fee applies to single payments processed through the Loan Payment Center.
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Can I schedule payments for a future date?
Yes.
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How long does it take for a payment to post?
Payments are posted within 72 hours of the time they are made.
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Will I receive payment confirmation?
Yes. You will receive a confirmation number immediately, and you can also choose to receive an email confirmation.
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I forgot my login password. What should I do?
Choose “Forgot Password” on the login page and you’ll be guided through a quick reset.
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Can I update or change my payment method?
Yes. Log in to your account and go to the “I would like to…” section located beneath Schedule One Time Payment. Scroll down to Payment Methods and choose the action you want. Follow the on-screen prompts to View/Edit Payment Methods, Add Bank Account, or Add Card Account.
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Can I pay by phone?
Yes. Just call 1-800-522-2748, select option 1, and follow the prompts to make your payment.
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Can I set payment reminders or pay by text?
You can set up text reminders through your account or pay using text:
- Go to the “I would like to…” section and select Pay by Text.
- Enter and confirm your cell phone number, then select Send Verification Code.
- Enter the verification code you receive and click Submit.
- Choose the number of Days before Due Date to Alert Me that you’d like to receive the alert.
- Select your desired Amount Type to Minimum Payment Amount Due.
- Choose or create your desired payment method, then select Continue twice.
- You will receive a confirmation text stating: “La Capitol Federal Credit Union A/C xxxxxxxxx Alert! You are enrolled for Bill Due Alerts, to be sent XX days before your Due Date.”
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Can I cancel a scheduled or recurring payment?
Yes, if it has not been processed.
To cancel a one-time scheduled payment:
- Go to Payment Actions and select View Payment Activity.
- Find the payment you want to cancel or edit.
- Click the pencil icon to edit or the “X” to cancel.
- Follow the on-screen prompts to complete the process.
To cancel a recurring payment:
- Go to Payment Actions and select View Payment Setups.
- Find the recurring payment you want to cancel.
- Click the “X” to cancel.
- Follow the on-screen prompts to complete the process. Note: To edit a recurring payment, you must cancel the existing payment and set up a new one.
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What if my payment is declined?
If your payment is declined, double-check your payment details and available funds, or try using another method.