Take control, stop missing loan payments. Skip the fees, keep more of your money.
For when email isn't enough.
Get reminders before due dates.
Avoid costly late fees.
Track all loans in one place.
Set reminders for family & friends.
Simply enter your loan name, due date, and email address. We'll send you timely reminders before your due date so you never miss a payment. You can also add SMS reminders for instant notifications.
You'll need: the loan name (e.g., "Student Loans" or "Car Payment"), the due date, and your email address. For SMS reminders, you'll also need your mobile number.
You can track any loan with a due date: student loans, auto loans, personal loans, mortgages, credit card payments, rent, utilities, and more.
Yes! Email reminders through LoanPayments are always free. You can set up unlimited email reminders at no cost.
SMS reminders are available as a premium feature for $5/month or $50/year (save $10 with the annual plan). You can cancel anytime.
Yes! You can help friends, family members, or employees stay on track by setting up reminders for their loans. Just enter their loan details and your contact information.
Reminders are sent before your due date to give you time to arrange payments. You can customize the timing based on your preferences.
Yes! Visit the "My Reminders" page to view, edit, or delete all your tracked loans in one place.
You can cancel SMS reminders anytime from your account settings or by contacting support at support@loanpayments.org. You'll continue to receive free email reminders.
Yes, we take your privacy seriously. Your information is encrypted and never shared with third parties. See our <a href="/privacy" class="text-crown-gold hover:underline">Privacy Policy</a> for details.
Missing a payment can result in late fees, damage to your credit score, and potential default. Late payments typically stay on your credit report for up to 7 years. LoanPayments helps you avoid this.
Late fees vary by lender and loan type, typically ranging from $25-$50 or a percentage of the overdue amount (usually 3-5%). Check your loan agreement for specific terms.
Yes, payments reported as 30+ days late can significantly lower your credit score. The impact depends on your overall credit history and the severity of the delinquency.
Grace periods vary by lender—typically 10-15 days after the due date. During this time, you won't incur late fees, but interest may still accrue.
Contact your lender immediately before the due date. They may offer hardship programs, payment deferrals, or modified payment plans to help you avoid default.