Truliant Bill Pay: Your Complete Guide to Hassle-Free Payments in 2025

Hey there! Are you tired of scrambling to make your Truliant loan payments on time? Trust me, I’ve been there too. After missing a payment deadline last year (and paying that annoying late fee ), I decided to deep dive into all the different ways to pay my Truliant bills. Today, I’m sharing everything I’ve learned about Truliant bill pay options to save you from the same headaches I experienced!

Quick Summary of Truliant Bill Pay Options

Before we go into the nitty-gritty details here’s a quick overview of your payment options

• Online Banking – Free and convenient (my personal fave!)
• Guest Payments – Great for one-time payments ($7 fee)
• Phone Payments – Available but costly ($10 for check, $7 for debit card)
• Mail – Traditional but takes time
• Branch Visit – In-person option during business hours
• Bill Pay from Another Bank – Use your other bank’s bill pay service

Online Banking: The Best Way to Pay Your Truliant Bills

I’ve tried all the methods, and honestly, nothing beats setting up your Truliant bill pay through their Online Banking system. It’s totally FREE and super convenient – you can do it from your couch while binge-watching your favorite show (that’s how I pay mine!)

How to Access Online Loan Payment Service:

1. Log into Online Banking on Truliant’s website
2. Select “Additional Services”
3. Click on “Online Loan Payment Service” (it’ll open in another tab)

Or if you’re a mobile user like me

1. Open the Truliant app
2. Select “Online Loan Payment Service” from the More menu at the bottom

Benefits of Using Online Banking for Bill Pay:

• Completely free (who doesn’t love saving money?)
• Same-day processing if submitted before 6:30 PM EST Monday-Saturday
• Schedule future payments up to 60 days ahead
• Set up recurring payments so you never forget
• Store account information for quicker payments next time
• Payment history tracking to keep everything organized

I personally have mine set to auto-pay 3 days before the due date every month. Haven’t had to worry about a late payment since!

Guest User Payments: For When You’re in a Pinch

Don’t have Online Banking set up yet? No worries! Truliant offers a Guest payment option that’s perfect for those last-minute, one-time payments or if you need to use your debit card.

What You Need to Know About Guest Payments:

• $7.00 fee per payment (not ideal for regular use but worth it in emergencies!)
• Pay with a non-Truliant debit card, checking, or savings account
• Same-day processing if submitted before 6:30 PM EST
• No registration required

I’ve used this option once when I was traveling and forgot my regular payment. The $7 fee wasn’t great, but it was cheaper than a late payment penalty!

Important Details About Truliant Bill Pay

Processing Times

One thing I learned the hard way – timing matters! Here’s when your payments will process:

• Payments made before 6:30 PM EST Monday-Saturday: Processed same day
• Payments made after 6:30 PM, on Sundays, or federal holidays: Processed next business day

Remember this if you’re making a last-minute payment! I once submitted a payment at 7 PM thinking it would go through that day… it didn’t, and I was technically late .

Payment Limits to Be Aware Of

Truliant has some restrictions you should know about:

• Minimum payment: $5
• Maximum payment: $4,000 per loan payment
• Frequency limit: Max of 3 payments to the same loan within a 5-day period

What Happens If Your Payment Returns?

We all make mistakes! If your payment bounces:

1. Truliant will attempt to process it a second time
2. If it fails again, they’ll charge a $28 fee (ouch!)
3. The payment will be reversed from the loan account
4. Your access to the Online Loan Payment Service will be restricted

If this happens, you’ll need to call 800-822-0382 ext. 6773 to restore service.

Special Payment Types

Can I Make Principal-Only Payments?

Unfortunately, principal-only payments aren’t available through the Online Loan Payment Service. You can only make regular payments through this system.

What About Paying Off My Loan Completely?

Yes, you can! But I’d strongly recommend calling Truliant first to get an accurate payoff amount before using the Online Loan Payment Service. This ensures you pay exactly what’s needed – not too much, not too little.

Paying a Different Amount Than What’s Due

You can definitely pay an amount different from what shows as due (between $5-$4,000). Just be aware that paying less than what’s shown might result in a late fee.

Alternative Ways to Pay Your Truliant Bills

By Mail

If you’re old-school (or your internet is down), you can mail your payment to:

Regular Loans:
Truliant Federal Credit Union
P.O. Box 26000
Winston-Salem, NC 27114-6000

Credit Cards:
Truliant Federal Credit Union
P.O. Box 4521
Carol Stream, IL 60197-4521

Mortgage:
Truliant Federal Credit Union
P.O. Box 26000
Winston-Salem, NC 27114-5508

Pro tip: Mail your payment at least 5-7 business days before the due date to ensure it arrives on time!

By Phone

You can call 800-822-0382 to make a payment by phone, but be prepared to pay extra:

• $10 fee for payment by check
• $7 fee for payment by debit card

Representatives are available:

• Monday-Thursday: 8:00 AM – 5:30 PM EST
• Friday: 8:00 AM – 6:00 PM EST
• Saturday: 9:00 AM – 12:00 PM EST

In a Branch

Sometimes face-to-face is best! You can visit any Truliant branch during business hours to make a payment. Find locations and hours on their website.

Transfer Between Truliant Accounts

If you have multiple accounts with Truliant, you can simply transfer funds between them in Online Banking. This is super easy and free!

Using Another Bank’s Bill Pay

Already have bill pay set up with another bank? You can add Truliant as a payee and send payments that way too.

Special Cases: Credit Cards and Mortgages

The Online Loan Payment Service doesn’t work for everything! Here’s what to do for these special cases:

Credit Card Payments

To pay your Truliant credit card:

1. Log into Online Banking or the Truliant app
2. Select “Credit Card” in the main navigation or in the ‘More’ menu

Mortgage Payments

For mortgage payments:

1. Log into Online Banking or the Truliant app
2. Select ‘Manage My Mortgage’ under ‘Additional Services’ or the ‘More’ menu

Common Questions About Truliant Bill Pay

Can I use a credit card to make a payment?

Nope! Credit cards aren’t accepted as a payment method with the Online Loan Payment Service. You can only use a checking/savings account or debit card (for Guest payments).

What if my payment doesn’t post to my account?

If you don’t see your payment reflected, try logging out and back in again. If it still doesn’t show up, call a Member Contact Representative at 800-822-0382.

Can I cancel a payment I’ve already scheduled?

Yes, but you’ll need to call a Member Contact Representative at 800-822-0382 for assistance.

What happens if I use Skip A Payment but have automatic payments set up?

This is super important! If you request a Skip A Payment, you need to manually cancel any automatic payments you’ve set up. Otherwise, they’ll still process even though you don’t need to make a payment that month.

My Personal Experience with Truliant Bill Pay

When I first got my Truliant auto loan last year, I was making payments by mail (I know, I know). After missing a payment deadline because of a postal delay, I switched to their Online Banking system.

Setting up was pretty easy – took me maybe 10 minutes tops. I linked my checking account from another bank, and now I have autopay set up. The peace of mind knowing my payment will always be on time is totally worth it!

The only hiccup I experienced was when I changed banks and forgot to update my payment method. The payment bounced, but a quick call to customer service sorted everything out. The representative was super helpful and even waived the returned payment fee as a one-time courtesy (thanks, Truliant!).

Final Thoughts: Which Truliant Bill Pay Method Is Best?

After trying pretty much all the methods, here’s my honest take:

Best for regular payments: Online Banking with recurring payments set up
Best for emergencies: Guest Payments (despite the fee)
Best if you’re already a Truliant banking customer: Transfers between accounts

Setting up Online Banking takes a little time upfront, but it’s 100% worth it for the convenience and peace of mind. Plus, you’ll save on fees compared to phone or guest payments!

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