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As a reminder, if you are having an issue logging in as a returning user, BayFirst SmartPay payment methods (Checking/Savings account or Debit Card), each have their own unique user credentials.

You may still proceed to make a payment without logging in using our QuickPay (PAY NOW) option.
For more assistance on loan payments through our SmartPay portal, contact BayFirst customer support at (833) 698-2265.

Easily make your BayFirst loan payment through our SmartPay Online Payment Portal. Click Pay Now to make a one-time, quick payment. For users who would like to view loan payment history, please log in. First time users must create an account.

Please note: Your SmartPay account log in is separate from your BayFirst Online Banking account log in.


Pay My Loan

Please be advised: Same-day payments must be made before 6:00 p.m. EST. Payments received after hours, on weekends, or holidays will be
processed on the next business day. For questions or support, contact us at (833) 698-2265 between 8:00 a.m. and 6:00 p.m. EST. For after hours
inquires email BayFirst customer support at Contactcenter@BayFirstFinancial.com.