Convenience Pay

Convenience Pay is a quick and secure way to make a loan payment with funds from another financial institution using your checking account or a Visa®, Discover®, or Mastercard® debit card. Payments can be made for the following types of loans:

Get started

How to register for Convenience Pay, add a loan account, and add a payment method:

• On the Convenience Pay homepage, select Register Now.
• Enter your email and create a password that's at least 10 characters long, includes both letters and numbers, and only uses letters, numbers, or special characters.
• Fill out your name, phone number, ZIP/postal code, and security questions, and then select Enroll.
• Your member portal will then open, allowing you to add loan or credit card accounts, add payment methods, make payments, view recurring monthly AutoPay, review payment history, and update your personal/security information.
• To add a loan or credit card account, select Add Account, enter the account number, date of birth, and zip code for the account, agree to the terms and conditions, and then select the Add Account button.
• To add a payment method, go to My Wallet in the menu, select Add Payment Method, enter your checking, savings, or debit card information, and then hit the Add button.

How to make an immediate or scheduled payment, and set up recurring AutoPay:

• On the Convenience Pay homepage, enter your Member Portal email and password.
• To make an immediate or scheduled payment:
  1. Select Pay Bill on your account, enter the payment amount, and select Now to pay immediately, or select Later to schedule your payment for a future date.
  2. Choose or add a payment method from your wallet or add a new one, and select Continue.
  3. Review and agree to the terms and conditions, and then select the Pay button.
  4. Save or print your payment confirmation, and you're done!
• To set up recurring monthly AutoPay:
  1. Select AutoPay on your account, then choose or add the payment method and select Continue.
  2. Choose the scheduled day of the month for your monthly, recurring payments, with the option to select an end date for the recurring payments.
  3. Review your payment information, agree to the terms and conditions, and select Create Autopay.
  4. Save or print your AutoPay confirmation, and your recurring payment is all set up!

How to make an immediate or scheduled payment without logging in or registering for Convenience Pay:

• Select the Pay now button on the Convenience Pay homepage.
• Enter the account number, date of birth, and zip code for your loan or credit card, and then select Continue.
• Confirm or enter your name, phone number, ZIP/postal code, and email.
• Enter the payment amount and select Now to pay immediately, or Later to schedule your payment for a future date.
• Select a payment method, enter payment information, and select Continue.
• Review and agree to the terms and conditions, and then select the Pay button.
• Save or print your payment confirmation, and you're all done!

Please note the following:

• Loan payoffs and mortgage payments cannot be made through this service at this time. If your payment is past due, please call Member Services at 804-323-6800 to ensure your account is credited appropriately.
• Ensure you are paying at least the minimum payment amount as outlined in your billing statement.
• For non-business loans, agent-assisted payments made over the phone will incur a $9.95 fee. Payments made online and through our automated phone system are fee-free.
• For business loans, all payments will incur a $9.95 fee, whether made online, over the phone with an agent, or through our automated phone system.
• Payments can be made for any amount between $1 and $10,000 but cannot exceed $200 over the amount due.
• Payments completed before 7 pm ET will be credited to your loan that same business day, and those made after 7 pm ET will be posted the next business day. Payments initiated over a weekend or on a federal holiday will be not be credited until the next business day.
• If your payment is returned unpaid by your financial institution due to insufficient funds or another reason, you may be subject to a return fee. You may also be charged late fees based on the terms and conditions of your loan agreement.
• AutoPay (monthly, recurring payments) can be canceled by removing the specific AutoPay within the Convenience Pay Member Portal. One-time scheduled payments can be canceled via Payment History within the Member Portal. You can also cancel either payment type by contacting VACU at (804) 323-6800 or (800) 285-6609. Cancelations must be made before 12 pm ET on the scheduled payment date.