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Want to apply for a new loan with a live person?  Call 254-761-2001 option 5.  Often Extraco can Meet or Beat our competitor's rates!


Welcome to Extraco Smart Pay

We have a new loan payment portal!  You can sign into our new loan payment platform; www.extracobanks.com/loan-payment. SmartPay has been discontinued as of June 2, 2025.  Please contact us to disable any recurring payments on this platform.  If you are needing assistance or have questions, please call 844-418-5626 or email to: consumerlendingcenter@extracobanks.com, we are available M-F 8am to 5pm.