Short answer:
Pay as Guest may be unavailable due to your loan status, system maintenance, or security restrictions.
What’s happening
Pay as a guest may be temporarily or permanently unavailable for certain loans.
Common reasons include:
- The loan is in bankruptcy
- The loan is in active foreclosure
- A loan modification is in progress
- A payment is already processing
- The loan recently transferred to a new servicer
- Scheduled system maintenance
In some cases, access restrictions are required for compliance or legal reasons.
What it means for you
If pay as a guest is unavailable, it does not necessarily mean there is a problem with your account.
It may mean:
- Your loan requires specialized handling
- Certain payments must be processed through a different channel
- Additional review is required before accepting payment
What you should do next
- Try logging into your online account, if available
- Check for recent notices regarding your loan status
- Wait and try again later if the system is undergoing maintenance
If the issue continues, contact your servicer for guidance on how to submit a payment.
Contact us if…
- You believe Guest Pay should be available but cannot access it
- You’re unsure how to make a payment due to your loan status
- You recently experienced a loan transfer
This article is for general information only and does not change the terms of your loan.
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