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HOW ONLINE LOAN PAY WORKS

What You’ll Need to Get Started:

  • Email Address
  • SC Telco Member Number of the primary account holder
  • Last Four Digits of Social Security Number of the primary account holder
  • Date of Birth of the primary account holder

To Register:

  1. Click here to visit the new payment platform website.
  2. Select “Register” on the home screen.
  3. Follow the prompts to input required information and set your password.

Make a Payment:

Once registered, eligible loans associated with your SC Telco account will display for you to make a loan payment. Follow the prompts to make a payment by debit card or by setting up an ACH transaction. There is a $2 cost for a one-time ACH or debit card transaction and $0.25 for each recurring ACH transaction.


Online Loan Pay FAQs

Here are some questions and answers we hear most frequently about Online Loan Pay. If you should have others, please contact us or visit your local branch.

SC Telco loans that can be paid within Online Loan Pay include share or certificate secured loans, auto/boat/RV/motorcycle loans, personal loans, second mortgages, home equity lines of credit, and overdraft lines of credit.

Business loans, mortgages, or credit card payments cannot be made through Online Loan Pay. Please continue to make payments for these loan types by following instructions received at loan closing. If you should have any questions, contact us at 800.922.0446.

Once logged in, eligible loans associated with your SC Telco account will display for you to make a loan payment. You will be able to select the loan based on a brief descriptor and the last two digits of your member number + two-digit loan number. For example, “PERSONAL LOAN ending in 1201.”

Descriptor Key:

Descriptor Loan Types
SECURED New/Use Auto

New/Used RV

New/Used Boat

Motorcycle

Share/Certificate Secured

Secured Personal

Other Collateral
R. ESTATE LOAN Lot Loans

Home Equity/
HELOC

2-7 Yr ARM

Construction Loan

7-10 Yr Balloon

Other Real Estate Loans
(not 1st Mortgage)
PERSONAL Personal Loan
OVERDRAFT LOC Overdraft Lines of Credit

To register, you will need to have a valid email address and the following information as the primary account holder: SC Telco member number, last four digits of your social security number, and your date of birth. Once registered, you can login using your established username and password.

With Express Pay, you do not have to create a username nor password. It is designed for a one-time payment, so your Online Loan Pay history will not be stored. By registering, setting up a username and password, Online Loan Pay will store your payment history and allow you to set up recurring ACH payments.

To make an ACH transaction, you will need your full account number and routing number of the financial institution from which the funds are being pulled. Please note that Online Loan Pay will not accept an ACH payment from an SC Telco account – instead, members are encouraged to make an internal funds transfer within MONEYLINKSM Online to easily make your loan payment at no cost.

Visa and Mastercard debit cards are accepted. Please note that SC Telco debit cards are not accepted – instead, members are encouraged to make an internal funds transfer within MONEYLINKSM Online to easily make your loan payment at no cost.

If payments are made by 5:00PM EST, they will be processed same-day.

Yes! Up to (3) three loans can be paid in a single transaction.

If you need to cancel a payment, please contact our Member Service Center at 800.922.0446.

Yes! However, please contact our Member Service Center at 800.922.0446 or your local branch to confirm payoff amount – as the amount may differ from what is displayed in the Online Loan Pay platform. Once confirmed, log into Online Loan Pay to make the payment. Note: The platform allows a payment up to $2,500.

You can make a loan payment up $2,500. There is no minimum amount.

When making a payment with an ACH transaction, you can schedule a payment to process at a future date or set up recurring payments. This feature is not currently available for payments made by debit card.

Other Convenient Options for Making Your Loan Payment


Internal Transfer Inbound External Transfer Set Up Recurring Payments Pay by Check via Branch or Mail
Transfer funds in MONEYLINKSM Online from an SC Telco account and apply it to loan payment. Transfer funds in MONEYLINKSM Online from an account at another financial institution and apply it to loan payment. Set up recurring payments by giving us permission to pull funds from another account the same day each month. Pay by check at any SC Telco branch or night drop³. Mail payment to PO Box 10708, Greenville, SC 29603
Processing Time
Immediately from when payment is received. Next-business-day from when transfer is confirmed.¹ Same-Day. Loan payment is processed automatically each month on due date per recurring schedule.² Same-Day when payment is made by close of business in the branch or received by 5:00PM EST when mailed.
Costs
 $0 $0  $0  $0

¹1-3 business days are required to initially set up an inbound external transfer from an account at another financial institution.

²1-2 business days are required to initially set up a recurring payment.

³Night drop is opened each business day at 8:30AM EST. Deposits received after that time will be processed the following business day.