Payment Options

Choose the method that is right for you.

Pay Automatically

Enroll for Payment Auto Draft. It's safe, secure, easy, fast, flexible and free. Vanderbilt Mortgage and Finance will draft your mortgage payment from your checking or savings account when the payments are due -- no need to write a check or send a payment. It's all done for you.

Pay by Phone —OR— Web*

Sick of writing checks and buying stamps? You know we have three ways to pay:

  • Automated Phone Pay: To pay by phone 24/7, all you need is your checkbook, loan number and the primary borrower's zip code. To use our FREE automated phone pay system, call 1‑800‑970‑7250.
  • Assisted Phone Pay: To pay by phone with assistance from one of our agents during normal business hours, all you need is your checkbook and loan number. If you call us at 1‑800‑970‑7250 before 6:00 P.M. ET, your payment will be posted the same day. Where legally allowed, a maximum fee of $10 will be charged for assisted phone payments.
  • Once you create a secure online account, you will have 24/7 access to:

    • Make FREE payments
    • Manage your bank information
    • Review your e-Payment history

    If you haven't already created your secure account, you can do so now.

    • If you are the primary borrower, all you need is your checkbook, loan number and social security number to register.
    • If you are someone other than the primary borrower, all you need is your checkbook, loan number and the primary borrower's zip code to register.
    • If you have already registered to create your secure online account, all you need is your User ID and Password to login.
  • Several things to keep in mind regarding Web and Automated Phone Payments:

    • Payments can be post-dated up to 14 days, not to exceed the due date.
    • A loan cannot be due for more than 2 payments.
    • If the loan is due for more than 1 payment, amounts less than 1 full payment will not be processed.
    • After a returned or failed payment, automated payment services will not be available for 90 days.

*If you are presently in bankruptcy or if your loan is past due, these payment options may not be available to you.

Pay by Check or Money Order

If you mail a check or money order for your monthly mortgage payment, please allow sufficient time for payments to reach us. When sending your payment, please remember to include your monthly payment coupon and write your loan number on your check or money order to ensure proper posting. Where legally allowed, a maximum fee of $30 will be charged for a returned check.

For printable blank coupons, see our Contact page, Payments tab.

For printable coupons to use when mailing money to be applied to your principal balance.

Pay by Money Transfer Service

MoneyGram®

Use MoneyGram® ExpressPayment® service to make your Vanderbilt Mortgage payment at thousands of MoneyGram® agent locations nationwide including Walmart and CVS Pharmacy. MoneyGram® charges a fee of $8.95 for this service. Use MoneyGram® Receive Code 2665. To find a MoneyGram® Agent near you, please visit Moneygram.com, or call 1-800-MONEYGRAM.

MoneyGram®, ExpressPayment® and the Globe are registered marks of MoneyGram.

Western Union

Western Union Quick Collect. When making a payment be sure to use the code city: SMOKE, TN. Western Union charges a fee of $12.95 for this service. To find a Western Union Agent near you, visit WesternUnion.com.

Contact Us

1‑800‑970‑7250

Mon‑Thurs: 8:30am - 8:00pm ET

Fri: 8:30am - 5:30pm ET

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