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Personal Loan Payment Options


These payment options apply to ONLY the following personal loan types: Auto, Motorcycle, Boat, Recreational Vehicle, Home Equity Loans, Home Equity Lines of Credit, Executive Line of Credit, and Unsecured.

Customer Contact Center 800-449-9829

  • Commerce deposit account required?

    Yes

  • Hours of Operation

    Monday - Friday
    8:00 am - 8:00 pm
     
    Saturday
    8:00 am - 4:00 pm
     
    Non-traditional Holidays
    8:00 am - 4:00 pm
     
    Closed on Federal Holidays

  • Additional details

    Use a Commerce checking or savings account to make a payment.
     
    Payments made on any calendar day will be credited to your account as of the date received.
     

  • Fee for Service?

    No

Account Information Line 800-453-2265

  • Commerce deposit account required?

    Yes

  • Hours of Operation

    24 hours - 7 days a week

  • Additional details

    Choose the option to transfer funds from your Commerce Bank deposit account to your loan account.
     
    Payments made on any calendar day as a transfer from a Commerce Deposit Account will be credited to your account as of the date received.

  • Fee for Service?

    No

  • Commerce deposit account required?

    Yes

  • Hours of Operation

    24 hours - 7 days a week

  • Additional details

    Choose the option to transfer funds from your Commerce Bank deposit account to your loan account.
     
    Payments made on any calendar day as a transfer from a Commerce Deposit Account will be credited to your account as of the date received.
     

  • Fee for Service?

    No

Commerce ATM

  • Commerce deposit account required?

    Yes

  • Hours of Operation

    24 hours - 7 days a week

     
    Branch Locator

  • Additional details

    Contact a Customer Service Representative at 800-449-9829 to link your loan to your Commerce card.
     
    Payments made on any calendar day as a transfer from a Commerce Deposit Account will be credited to your account as of the date received.

  • Fee for Service?

    No

Mailing Payments

  • Commerce deposit account required?

    No

  • Hours of Operation

  • Additional details

    Home Equity Loans and Installment Loans:
    Commerce Bank
    PO Box 807011
    Kansas City, MO 64180-7011

     
    Home Equity Line and Executive Line of Credit:
    Commerce Bank
    PO Box 80660
    Kansas City, MO 64180-6600
     
    Payments must be accompanied by the payment form or account number, and in the form of a check or money order in U.S. Dollars drawn on a U.S. financial institution.
     
    Payments received at 5 p.m. CT or after will be credited to your account no later than the next Business Day.

  • Fee for Service?

    No

Automatic Monthly Payment

  • Commerce deposit account required?

    No

  • Hours of Operation

    Monday - Friday
    8:00 am - 8:00 pm
     
    Saturday
    8:00 am - 4:00 pm
     
    Non-traditional Holidays
    8:00 am - 4:00 pm
     
    Closed on Federal Holidays

  • Additional details

    Click here for the ACH Authorization form. Simply mail the completed form along with a blank voided check to: Commerce Bank, Customer Service, KCILSS, PO Box 413658, Kansas City, MO 64141-3658 or fax to 816-234-7414.
     
    Contact a Customer Service Representative at 800-449-9829 to establish the process for making automatic monthly payments from your deposit account.
     
    This method will automatically debit the payment from your designated checking or savings account each month and apply the payment directly to your loan as of the date you choose.
     
    However, please note that the full amount of the monthly scheduled payments will not be withdrawn from the designated bank account in any month that other payment(s) toward the loan(s) have been made and/or a monthly payment amount has been otherwise satisfied in full.
     

  • Fee for Service?

    No

Consumer Web Payment

  • Commerce deposit account required?

    No

  • Hours of Operation

    24 hours - 7 days a week

  • Additional details

    Use a non-Commerce checking or savings account or a Visa/MasterCard debit card to make a payment.
     
    Payments made on any calendar day will be credited to your account as of the date received.

  • Fee for Service?

    $4.95

Commerce Bank Branch

  • Commerce deposit account required?

    No

  • Hours of Operation

    Hours vary by branch

     
    Closed on Federal Holidays
     
    Branch Locator

  • Additional details

    Payments must be accompanied by the payment form or account number, and in the form of a check or money order in U.S. Dollars drawn on a U.S. financial institution.
     
    Payments made in person before the close of business to an employee at a branch will be credited to your account as of the date received.
     

  • Fee for Service?

    No

Customer Contact Center 800-449-9829

  • Commerce deposit account required?

    No

  • Hours of Operation

    Monday - Friday
    7:30 am - 10:00 pm

    Saturday
    7:30 am - 4:00 pm

    Closed on Federal Holidays

  • Additional details

    Use a non-Commerce checking or savings account or a Visa/MasterCard debit card to make a payment.
     
    Payments made on any calendar day will be credited to your account as of the date received.
     

  • Fee for Service?

    $4.95

Automated Phone System 866-658-9333

  • Commerce deposit account required?

    No

  • Hours of Operation

    24 hours - 7 days a week

  • Additional details

    Use a non-Commerce checking or savings account or an eligible* debit card (including a Commerce debit card) to make a payment.
     
    Payments made on any calendar day will be credited to your account as of the date received.
     
    *"eligible debit card" means it is linked to any of the following Networks: Star, Accel, Pulse, or NYCE.
     

  • Fee for Service?

    $4.95

Making Additional Principal Payments to Reduce the Principal Balance of the Loan: If you are mailing an additional payment to be applied to principal, it must be sent to the following address for correct posting: Commerce Bank, 811 Main, Mail Stop KCPPS, Kansas City, MO 64105-2005. You can also make additional principal payments in person at a Commerce branch, online or by telephone.

To Request a Payoff: Call the Commerce Customer Contact Center at 800-449-9829; By Mail: RLPS Customer Service, PO Box 413658, Mail Stop: KCILSS, Kansas City, MO 64141-3658. Written inquiries should include name, loan number, return address.