MessagePay lets you pay your Huntington Beach Credit Union loan payments from your accounts at another institution, including checking and savings accounts or debit card. You will receive a text alert to make your loan payment. There is a $10 convenience fee for each loan payment.

Make a payment for a vehicle loan

How this works

Steps to enrolling

Once enrolled, you'll receive a text message with the amount of your next loan payment and the day it's due. You can then review your payment details and options.

When you verify your account the first time, you will be prompted to set up the following:

  • 4-digit PIN: Once you have entered your account number and date of birth, it will prompt you to create a 4-digit PIN. You will need this to verify future payments.
  • Preferred method of payment: To make a payment, add your preferred form of payment in the portal. You can do this by selecting ADD NEW DEBIT CARD or ADD NEW BANK ACCOUNT which will prompt a secure website for you to input your information. If done correctly, there will be a message stating "Payment Method Success" and you will be redirected to the payment portal.

Once your account has been successfully verified, you will be directed to the payment portal where you’ll be able to see all of your HBCU loans and will also be able to modify your preferred payment method for each loan.

Thereafter, when you receive a text reminder, you respond “Pay” to the same text. You will be asked to enter your PIN to verify your account. Once completed you should receive a confirmation text.

Maximum payment amounts

You can make loan payments of up to $650 using a debit card. For loan payments of $651 up to $2,500, you can use ACH to make a payment directly from a bank account.

Make a payment for a vehicle loan

Frequently Asked Questions

What is MessagePay?
This service lets you make your HBCU loan payment using a debit card or account from another financial institution. You can use a debit card from your other financial institution OR have your payment pulled from an account at another financial institution electronically.

Is there a fee for this service?
Yes, there's a $10 convenience fee for each loan payment made.

How soon are payments posted to my loan account?
Loan payments are posted to your loan on the same day you successfully submit it.

How will I know when a loan payment is due?
You will receive a text message five (5) days before your loan payment is due. You should also receive a courtesy reminder five (5) days after your due date if no loan payment is received.

Can I use my HBCU debit card to make a payment?
No, you cannot use your HBCU debit card, since you can make your payment via online or mobile banking, or audio response — all with no fee.