Loan Payments

Xplore offers several different options to make your loan payment experience as effortless as possible. Check out all of our payment options below:

• ONLINE: Easily make a payment online now.
• IN PERSON: During business hours, visit one of branches or any participating CO-OP Shared Branch location to make an in-person payment. After hours, there is a night deposit box at our 5500 Veterans Branch. 
• AUTOPAY: set up an automatic draft from your Xplore checking account with an Xplore Member Service Representative or through your online banking account.
• BILL PAY: If you are paying from another financial institution, you can set Xplore FCU as the merchant/payee through your financial institution's bill pay service. Contact an Xplore Representative if you need assistance.
• ONLINE ONE TIME/ RECURRING PAYMENT: make a one-time online payment using your debit or credit card.*
• MAIL: print loan payment coupons (PDF) and mail to our Main Branch at 5500 Veterans Blvd. Ste 100 Metairie LA. 70003
• PHONE: You can make a payment by phone by reaching out to our call center at 888-U-XPLORE (888-897-5673)* during business hours.

NOTE: There is a convenience fee for each online and phone payment made from financial institutions other than Xplore Federal Credit Union. Master Card and Discover are the only credit cards accepted. Please refer to our schedule of fees for further details.  

A Skip-a-Pay allows Xplore to offer you the opportunity to skip a payment on your consumer loan to help free up cash, plan a vacation, or cover unexpected expenses. As long as you have a qualified loan** you can skip a payment today!

• Take a break from your loan payments
• Available on most loans
• Skip-a-Pay is not allowed on Real Estate, Line of Credit, Collection Workout, Credit Cards and Commercial Loans.

**Qualified Loan-- Must be a member in good standing¹ and all of your loans (including individual, joint or co-borrower) and accounts are current² as of the receipt date and no delinquency³ within the past 6 months to participate in the Xplore FCU Skip a Payment Program.  This program is not available on new or recently granted loans until 7 months after loan origination.  Real estate, Line of Credit, Collection Workout, Credit Cards, and Commercial Loans are excluded from this offer.  Secured loans (autos/recreation) are allowed 1 skip a payment in a rolling 12 month period. Personal loans are allowed 1 skip a payment every rolling four month period.

By selecting submit, your authorize Xplore FCU to extend your final loan payment on the loan selected by one month.  You understand the interest on your loan will continue to accrue during the month your payment is skipped and that by skipping a payment, you are extending the original term of the loan.  Any payment made through payroll deduction or automatic transfer will remain in your account from which the payment is normally allocated.  The $29.95 processing fee per loan will be deducted from the account you selected upon receipt of the completed request.  If the $29.95 is not available when the request to skip a payment form is received, the payment will not be skipped and the request will be null and void. You will then have to resubmit the request form when the funds are available before the skip a payment will be placed.

^{1. Good Standing - defined as no overdrawn share/checking accounts.}

^{2. Current- defined as less than 30 days past the scheduled payment date.} 

^{3. Delinquent- defined as 30 days or greater past the scheduled payment date.} 

How to Apply:

Submit your request from within online banking, start a video call, or call (888) U.XPLORE (888-897-5673) to speak with a representative.