SMART Payment Plan

3.8 star rating Rating - based on 45 reviews & complaints
SMART Payment Plan, LLC (“SMART”) matches smaller loan and bill payments to our clients’ paydays. In addition to convenience and budgeting advantages, our program results in loans being paid off faster and less interest paid to lenders. Clients can use SMART's service to pay mortgages, car payments, student loans, or any other fixed monthly bills.  
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SMART Payment Plan Categories
Bill Paying & Billing Services

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Customer Reviews, Ratings & Complaints
Complaint Posted 5/20/2020
What a joke, I own three different dealerships, and what they do is deceptive! Not to mention I tried to use it myself and got two delinquent notices. Read More »
Complaint Posted 9/28/2019
horrible customer service
talked to the company and agreed a payment wouldn't be taken out for the week, they took it anyway ... caused numerous overdraft charges .... contacted them immediately and they said it would take over a week to refund the money because they had t... Read More »
Review Posted 7/9/2018
Super Easy
Love that Smart Payment Plan can pay all your bills.
Cars/ house/ / healthcare/ boats and student loan debt and many more. Super easy to set up. Read More »
Review Posted 7/3/2018
Smart Payment Plan
Wow, great service. Wish I new about this sooner. Put my car on Smart first, then added the rest of my bills. It's so easy and convenient. Read More »
Review Posted 7/3/2018
The Best
When I was given payment options, the dealership gave me payments based on my paycheck pay dates. This was way better than traditional monthly payments. Read More »
Review Posted 7/3/2018
When I purchased my new Nissan, I was offered SMART payments for my loan. Since my loan was over $600 per month, my weekly debit was only $150. The business manager made me aware of the Lifetime fee of $399 which is well worth the convenience. Sin... Read More »
Complaint Posted 5/20/2018
what we didnt know when the auto dealership recommended this company
when the dealership recommended this company; they didn't tell us: 1. it costs $299 to sign up 2. they charge $1.95 every time the draw 3. it is our responsibility to cancel the plan if we pay off the loan I'm sure the plan rep told us all this o... Read More »
Complaint Posted 5/15/2018
Why would I need a service that costs me more than the savings
When I purchased a new car about 2 1/2 yrs ago the dealer told me about Smart Payments Plan. Smart Payments Plan would automatically withdraw a payment from my checking account every two weeks which would speed up the payment of the car loan. I wo... Read More »
Review Posted 7/17/2015
Best thing I ever did
I have been with Smart Payment Plan for years now. But I told my sister who just bought her car in April all about it. She is so happy. She said it is the best thing she has ever done. Easy and so awesome. I will never be late on my payments. Two... Read More »
Review Posted 7/17/2015
saves me time and money
Smart payment plan pays my bills on time and drafts my payments every 2 weeks like I get paid making my life easier and getting me out of debt faster. Great customer service. Easy to do business with. Read More »
Review Posted 7/17/2015
Set it and forget it
Smart Payment plan has made a huge impact in my personal and business life! Smart has made my life simple and have zero stress about traveling or getting to busy with family ,work etc... I never worry about any of my bills being due or being late!... Read More »
Review Posted 7/16/2015
Great Service, Thanks!
I was so happy to see my car note paid off before the scheduled date. Made me feel like I finally had a grip on my finances for the first time in a while. The peace of mind knowing that my bills were paid on time, without me having to constantly c... Read More »
Review Posted 7/16/2015
Thank you so much
If you want the most convenient way in the world to make your car payment Smart Payment Plan is the way to go. I am so glad the dealership offered this to me it made buying my car so much easier. I just set the payment dates and I never have to wo... Read More »
Review Posted 7/15/2015
Smart is a "stress reducer"
By signing up with Smart Payment Plan, I no longer have to worry if any loans, bills or insurance payments were forgotten! Traveling a lot for work I used to have a bookkeeping service take care of payments and bills for me, Smart is an easier and... Read More »
Complaint Posted 7/9/2015
The worst experience ever !
If somebody wants his bills paid late, this is the right company and if you want to call somebody (due to the high volume of calls = complaints) you need to have all the patience in the world. They barely explain what is the benefit of their so ca... Read More »
Complaint Posted 6/5/2015
I called customer support to get help to add my second car. Your customer service rep. informed me that he could not help me because I live in Texas. When I asked why, your rep.said that Smart payment plan is no longer licensed in Texas. How are y... Read More »
Complaint Posted 3/6/2015
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not what it is sold to be
I was signed up by Phil Long Ford, who led me to believe I was entering a payment system directly with the lender, for biweekly payments. I was not informed of the 399.99 sign up fee or of the 1.95 debit fee for each withdrawal. What Smart Payment... Read More »
Business's response - on 5/29/2015
We apologize for any misunderstanding you had of the contract. The contract provided at the time of enrollment outlines the lifetime (deferred) enrollment and debit fees associated with the program in which you enrolled. Also stated in our contrac... Read More »
Review Posted 12/9/2014
Made my life easier...
I am always so busy that paying my bills is the last thing I want to think about. My dealer offered me Smart Payment Plan when I bought my car. They help me make my payments on time and I'm paying my loan off sooner pay my loan off faster. Thank y... Read More »
Review Posted 12/9/2014
Best thing I ever did
I am a single mom that was struggling to make it paycheck to paycheck. I honestly thought that I was pretty good at managing my bills, just never had enough money. My finance manager where I bought my new Kia recommended the Smart Payment Plan. So... Read More »
Review Posted 12/5/2014
Great service - I love it.
I use them for my house, car and school loan payments. It's so much easier to have smaller payments that match my paydays. Over 4 years and never a problem. I love it. Read More »
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Additional Business Information
Hours   Monday to Friday - 8:30 AM to 7:00 PM CST Saturday: 10:00 AM to 2:30 PM CST Sunday: Closed Phone   (800) 481-6863 Address   100 Congress Avenue, Suite 2000
Austin, TX 78701
Website Email
Contact   Jackson Bigham, General Counsel Other  
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