Set up your account
Access your account online to view statements, manage payments, and review your payment history.
Pay by ACH transfer...
Set up an ACH transfer from your financial institution to your loan account using your account and routing number.
Getting started
How to pay your loan
You have three ways to make payments. The right one depends on how you want to manage your money.
Option 1:
Best if you’re using a debit card or another financial institution.
Use the Loan Payment Portal to:
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Pay with a debit card
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Set up ACH payments from another bank
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View payment history and statements
This option is used when you don’t have an active Vibrant account set up for payments.
Note: The Loan Payment Portal has its own login—it’s separate from Vibrant Online Banking.
Pay through the Loan Payment Portal
Option 2:
The simplest option—everything in one place.
Because you’re already a Vibrant member, you can pay your loan directly from Vibrant Online Banking once you have a funded Vibrant account.
Here’s how it works:
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Log into online banking using your membership share account number, Social Security number, and the email address from your loan paperwork
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Move funds into your account or open a high-yield checking or savings account
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Transfer funds directly to your loan using an internal transfer
Already using another bank? You can also link an external account to Online Banking and transfer funds from there.
Note: Vibrant Online Banking uses a different login than the Loan Payment Portal.
Pay Directly in Vibrant Online Banking
Option 3:
Prefer to keep it old‑school? That works too.
Mail your check to:
Vibrant Credit Union
ATTN: Payments
PO Box 1550
Moline, IL 61266
Remember to include your account number on the memo line for faster processing.
Pay by mail with a check
Business hours
Monday – Friday:
8:30 a.m. – 5:00 p.m. CT
Saturday:
8:30 a.m. – noon CT
Need a hand?
Get personal support from our team. Call 1-800-323-5109 or send an email to connect with us.
Frequently asked questions
Am I a Vibrant Credit Union member?
Yes! You are now eligible for all our products—checking, credit cards, and more! Check out all our high-yield rate accounts here.
How will I get my loan documents?
You will receive your loan documents through DocuSign. Please save a copy of your documents at the time of signing.
Where are you guys located?
Our headquarters is located in Moline, Illinois. Find a branch or ITM/ATM here.
Can you help me set up an ACH transfer?
Absolutely! If you're not comfortable setting up a transfer through our online portal we're glad to set it up for you. Call us at 800-323-5109 between 8:30 a.m. and 5:00 p.m. CT Monday through Friday, or from 8:30 a.m. to 12:00 p.m. CT on Saturday.
How can I make a payment?
You have three options for paying your loan:
You can pay online with your debit card (where you can also access your account statements and payment history if you set up an account).
You can pay online with an ACH transfer from your bank account. Need help setting up your transfer? Call us at 800-323-5109 and we'll take care of it.
If you prefer, you can just mail us a check! Vibrant ATTN: Payments PO Box 1550 Moline, IL 61266
How can I set up an automatic payment?
Log in to your loan account and choose "Pay my bills" under your latest invoice. When you enter your payment information, you can choose a one-time payment or a recurring payment.
Can I pay by mail?
Yes! You can send a check to the address below if you prefer to pay by mail. Remember to include your account number on the memo line for faster processing.
Vibrant ATTN: Payments PO Box 1550 Moline, IL 61266