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Paying with card on computer

Pay With Your Card

Our online tool allows you to use your debit card to pay your loan, or credit card to pay applicable loan fees.

Pay Now
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We make it easy to make loan payments.

At Farm Credit Mid-America, we understand you want to use your card to make payments. That’s why we offer customers the flexibility of using your debit card* or credit card to make loan payments.

If you’d like to make a loan payment, you have the option to use your debit card.

*Please note, you must use a debit card to complete a loan payment.

If you’d like to pay for fees or a one-off expense, you have the option to use your credit card or debit card.

How to Submit a Payment

1. Go to Pay Bill

To get started, visit paybill.com/consumer?clientid=farmcredit

2. Select Payment Type

Choose either Loan Payment or Fee Payment. Then, enter your Loan Number and Customer Information File (CIF) Number and select 'Continue'.

3. Review Payment Amount on Screen

To pay an amount that differs from the ‘Total Amount Owed’, select the down arrow on ‘Amount Due’ and then select, ‘Different Amount’. Then, enter your desired payment amount to continue.  

4. Complete Fields as Required

Complete card information, billing address and receipt information. Once completely filled in, select ‘Continue.’ 

5. Review and Pay

Confirm all the information found on the screen is correct, then select the checkbox,  “I accept the Payment Authorization,” to move forward. 

6. Submit Payment

Select 'Pay'. The amount paid will be displayed on the screen and a confirmation email and text will be sent to the email and phone number provided within 10 minutes.  

Frequently Asked Questions

You can find a detailed guide for how to complete payments via online or over the phone here. 

Yes! You can login at your convenience to make your payment or call the phone line to make a payment. However, if you are completing your payment on the last day before your loan payment is late, please note the payment must be submitted prior to 7:00 pm EST. For loans with a 10-day grace period, please complete your payment by the 9th. For loans with a 15-day grace period, please complete your payment by the 14th.  

We do not allow loan payments to be made on credit cards. Please use your debit card to complete any loan payment.   

Debit or credit cards are accepted for fees though. 

If you’d like to schedule recurring payments, we recommend you use PAID or Online Banking to schedule payments. If you have additional questions about how to sign up for PAID or use Online Banking, please contact your local office for assistance.  

2-4 business days. Our daily payment reporting cutoff is 7:00 pm EST. All transactions will be backdated to the day the payment was received, as long as it was processed before 7:00 PM EST. Any transaction processed after 7:00 PM EST or on a holiday or weekend, will be processed the following business day.

No, this service is free for you to use as a courtesy of Farm Credit Mid-America.  

Please contact your local office for more information or help using the online tool.  

* Loans and leases are subject to credit approval. Additional terms and conditions may apply. Farm Credit Mid-America is an equal opportunity lender.

Farm Credit Mid-America territory includes Arkansas, Indiana, Kentucky, Missouri, Ohio and Tennessee. Arkansas includes Clay, Craighead, Crittenden, Cross, Desha (northeast of the White River), Greene, Lee, Mississippi, Phillips, Poinsett, and St. Francis counties. Missouri includes Carter, Ripley and Wayne counties. Kentucky excludes Ballard, Calloway, Carlisle, Fulton, Graves, Hickman, Marshall and McCracken counties. Ohio excludes Crawford, Hancock, Lucas, Marion, Ottawa, Sandusky, Seneca, Wood and Wyandot counties. We serve all counties in Indiana and Tennessee. 

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