Short answer:
Guest payments usually post the same day if submitted before the daily cutoff time. Payments made after the cutoff, on weekends, or on holidays typically post the next business day.
What’s happening
When you submit a payment using pay as a guest, the posting date depends on:
- The time you submit the payment
- Whether it’s a business day
- The payment method used (ACH)
In most cases:
- Before the cutoff time: Payment posts with a same-day effective date
- After the cutoff time: Payment posts the next business day
- Weekend or holiday: Payment posts on the next business day
Important: The date your bank withdraws funds (especially for ACH payments) may not match the date your payment posts to your loan.
What it means for you
Your posting date determines whether a payment is considered on time.
Keep in mind:
- Most loans have a grace period after the due date before a late fee is charged
- Late fees are determined by your loan agreement
- Credit reporting follows federal guidelines and does not happen immediately after a missed due date
If a payment is returned for insufficient funds (NSF):
- The payment may be reversed
- A returned payment fee may apply
- Your account could reflect a past-due status
What you should do next
- Submit payments before the daily cutoff time if timing is important
- Save your confirmation number
- Review your billing statement for due date and grace period details
If you’re close to a due date and unsure about timing, consider submitting your payment as early as possible.
Important dates, fees, or risks
- Cutoff times vary by servicer
- Late fees are based on your loan terms
- Returned payments may result in additional fees or restrictions
Contact us if…
- You’re unsure whether your payment posted
- You submitted a payment but did not receive confirmation
- A payment was returned and you need assistance
This article is for general information only and does not change the terms of your loan.
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