Summit Choice borrowers can already make their loan payments through several convenient channels, including online banking, Bill Pay, and our online payment portal. But soon, you’ll be able to skip the login altogether.

Simply send us a text to make your payment using an outside bank account or debit card. No logins. No hassle. Just a fast, secure, and convenient way to pay in seconds.

If you currently have a loan with Summit Choice, you will be receiving a text message to opt in to this service October 15. This service is completely optional, and members can opt in or opt out at any time.

Why pay by text?

• Pay immediately from anywhere, 24/7.
• Make payments using a debit card or bank account from any outside financial institution.
• Stay on top of your payments with convenient automated text reminders.
• Opt in or opt out of receiving texts any time.

How can I pay for my loan via text message?

If you have not already, create a REPAY account by visiting https://summitchoice.repay.io/portal. Once your account is created, you will have to save a new payment method such as an ACH or debit card that you wish to use for text payments. After opting in to the text payment service, you will receive a reminder via text when your payment is due. Respond “Pay” and you will then be asked to confirm the payment amount and which payment method you wish to use.

How do I opt in to receive payment reminders via text?

You will receive a text message from (844) 751-2128 to opt-in to text payments. Once you respond with “Start” you will receive a message stating you have successfully subscribed to payment reminders. If you cannot locate the text, please contact us directly.

Can I opt out of receiving text messages?

You may opt out of receiving text messages at any time by replying “STOP”. If you opt out of text payments, you may still pay using our other convenient channels.

If I change my mind, how do I re-enroll for text payments?

You can text “START” to (844) 751-2128 to re-enroll in text payments at any time.

Is my saved payment data secure?

Yes, we use the latest industry-standard compliance protocols and encryption tools to safely collect, store, transmit and protect all payment information.

How will I know my text payment was successful?

After you authorize the payment, you will receive a text confirmation if successful. This is your payment receipt.

How much does the text messaging service cost?

We do not charge a fee to make recurring payments via text message. However, standard fees apply to one-time payments:

• $4.95 for one-time card payments
• $1.95 for one-time ACH payments

If you have any questions about text-to-pay, please contact us during business hours at 260-484-2102.