Make your own adventures

In order to make a principal reduction only payment, your loan must not have any interest and/or fees due.

1. Log in to Online or Mobile Banking
2. Select 'Transfers and Payments' in Online Banking, or 'Transfer' in Mobile Banking
3. Select the account where the money is coming from, select the loan you would like to make a payment for, then select 'Other amount'

When choosing “Other amount”  it can work 3 ways:

1. If your regular payment is due, it will take the regular payment (principal + interest+ fees) and the remaining amount will go to principal.
2. If your regular payment was made on the same day you want to make an additional reduction in you loan principal, the entire amount in excess of your payment that was due  will go to principal.
3. If your regular payment was made more than a day ago, it will take the number of days following your payment in interest, then the remaining amount will go to principal. Ex. If regular payment was made a 2 days ago, it will take 2 days of interest, and the remaining amount will go to principal.

Please note that this does not apply to RE loans, HELOC loans, and Visa loans. For those type of loans, please give us a call.

We offer several options for paying off your LBS Financial auto loan. Please call us to get your pay off amount as the amount changes daily due to interest.

Options for paying off a vehicle loan:

1. Transfer options

• Transfer funds from an LBS Share Savings or Checking to your loan with Online or Mobile Banking
• Transfer funds from an account outside the Credit Union to your LBS Financial Savings or Checking account using the Online and Mobile Banking external transfer feature, then transfer money to pay your loan from your LBS Financial account. External transfer limits apply and transfers can take 3 business days to process. Click here for more information about external transfers.

2. Pay in Online and Mobile Banking using LBS Easypay

• Routing and checking account information is required
• $5,000 limit applies per business day

3. After contacting us to get your payoff amount for a future date, set up a payment through your financial institution's bill payer.

• You may need to provide them with the following information:
  • Payee name: LBS Financial CU
  • Routing number: 322276855
  • Your LBS Financial CU Member account number: XXXXXX (To ensure the payment is routed to your loan, add your loan suffix number to the end of your Member number, such as 01 or 02)
• There may be a limit on the amount you can send, please contact your financial institution’s bill payer for their limits.

4. Use our payment by phone option with your routing and checking account information

• Call 866.923.6404 to pay through the automated phone system or call us to pay with a representative
• $10,000 limit per business day

5. Visit one of our eight branches or any CO-OP Shared Branch in the United States to deposit your payment to your Share Savings account to be transferred to your loan.

• LBS Financial branch locations
• CO-OP Shared Branch locations throughout the United States 

6. After contacting us to get your payoff amount for a future date, you can pay by mail by sending your check to:

LBS Financial Credit Union

P.O. Box 4860

Long Beach, CA 90804-0860

Fill out an online application, or come see us at any branch.

When LBS Financial obtains your credit score during the pre-approval process, the Credit Union will determine your loan rate based on your past financial history and credit. Take note that the Credit Union must obtain your credit report personally; they will not accept copies of credit reports from third parties.

We process most applications within one business day. Applications received over the weekend or holidays are processed the next business day. You may check your status by calling us.

There are a variety of ways to make a payment towards your LBS Financial loan.

LBS EasyPay

Use our LBS EasyPay service to make one-time or recurring payments to your LBS Financial Consumer Loan from an account at another financial institution. There is no fee for this self-service payment channel and it can be accessed from Online and Mobile Banking. Access LBS EasyPay.​

There’s no charge for this service.

​Schedule Recurring Payments through Online Banking:

You may establish a recurring transfer from your LBS Financial account to your LBS Financial loan. Log in to Online Banking to set up your automatic transfer.

There’s no charge for this service.

External Transfers

Transfer money from an account outside the Credit Union to your LBS Financial Savings or Checking account using Online and Mobile Banking, then transfer money to pay your loan from your LBS Financial account.

There’s no charge for this service.

​Make a Payment by Phone

You may make a payment from another financial institution to your LBS Financial Credit Union loan by calling 866.923.6404. View our Fee Schedule. You may also call 800.527.3328 to make a payment from your LBS Financial account to your LBS Financial loan at no cost to you.

In Person:

Visit one of our eight branches or any CO-OP Shared Branch in the United States to drop off your payment. Find a branch or ATM.

Mail:

You may pay by mail by sending your check, along with a loan payment coupon or the remittance portion of your monthly billing statement (depending on the type of loan you have) to:

LBS Financial Credit Union
P.O. Box 4860
Long Beach, CA 90804-0860

Yes. On time payments mean a higher credit score. LBS Financial reports borrower, co-borrowers, guarantors, and co-signers payment habits to all three major credit bureaus: Experian, Equifax and TransUnion.

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form. If you prefer, call 800.621.6323 to begin the process and a TruStage Claims Specialist will guide you through the process.

TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Insurance products are issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, CUMIS Insurance Society Inc., CUMIS Specialty Insurance Society Inc., American Memorial Life Insurance Company, and Union Security Insurance Company. Payment protection products include debt protection products available through your credit union that are administered by CUNA Mutual Insurance Agency, Inc. and credit life and credit disability insurance products underwritten by CMFG Life Insurance Company.