Adding creditors to your Direct Pay loan application is easy. Just follow these steps to get set up:
Sign into your Member Center and go to your To-Do List.
Click Tell us which account to pay down.
Click Add an account. Enter your creditor's name, your account number, and the amount you’d like to pay. (Note: If more than one creditor has the same name, pick the one that’s closest to the information on your last statement.) If your creditor isn’t on the list, see the instructions below.
Add creditors and adjust the payment amounts to each creditor until you meet your minimum amount (or up to the maximum amount). You can see your progress under Debt Paid at the bottom of the screen.
After you’ve added all the creditors you want to pay, click Continue.
Double-check your list and make changes, if needed. You won't be able to change things after the next step.
When everything is accurate, click Confirm.
After you’ve confirmed your list, we’ll start reviewing it. You can’t change your list, so be sure to double-check it before clicking Confirm.
If your application gets approved, it takes several days to have money sent to your creditors. Keep making your regular payments until the creditor confirms you paid down your debt.
To learn more about how your creditors get paid and how long it takes, see our article about Direct Pay loans.
If your creditor isn't on the list
Sometimes bank credit cards are listed under names that don’t match the front of the card. If you can’t find the name of your credit card on the list, check the back of your card or a recent statement for the issuer name.
Here’s a list of common bank cards and their issuer names:
Card name | Potential credit card name in the payment network |
Bank of America | MBNA Credit Card, Bank of America, Bank of America Visa 1 |
BankAmericard | MBNA Credit Card |
Barclaycard | Barclays Bank Delaware |
Capital One Quicksilver | Capital One |
Chase Freedom, Sapphire, or Slate | First USA / Chase Card, Chase Manhattan Bank, JPM Chase Commercial Card |
Citi or Citibank | Citibank Credit Card |
Discover | Discover Card |
Navy Federal Credit Union | Navy Federal Credit Union Visa, Navy Federal Credit Union |
Synchrony Bank | GE Capital / GE Money Bank |
If your creditor still doesn’t show up on the list they might not be in our payment network. Creditors who are not in the network can’t get paid directly through a Direct Pay loan, but we're always improving and may include your creditor in the future.
Airline, retail, and reward cards
If you’re adding a credit card to your list of creditors, the front of your card might not match any of the names listed. The list might show some cards by the issuer name, not the name of the program. You can typically find the issuer on the back of your card or your billing statement.
Here’s a list of common rewards cards and the name of their issuer:
Card name | Potential credit card name in the payment network |
AAdvantage; Platinum Select or Executive | Citibank Credit Card |
Gold Delta Skymiles | American Express |
Hilton HHonors Reserve and Hilton HHonors Signature | Citibank Card |
Hilton HHonors Surpass and Hilton HHonors American Express | American Express |
Marriott | First USA / Chase Card |
Southwest | First USA / Chase Card |
Starwood | American Express |
United MileagePlus; Explorer or Club | First USA / Chase Card |
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