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Loan Payment Options

With a variety of options available, making your loan payments is easy.

Making your loan payment with Independent Bank is easy. 

Simply choose one of the options below to get started.


FREE ways to pay your loan.

  1. Transfer funds from an Independent Bank account directly to your loan through Online Banking. (If you don't already have an account with Independent Bank, view our checking account options and open one online.)
  2. Use Bill Pay to make your loan payment from your Independent Bank checking account or set up automatic payments through Online Banking.
    • To set up automatic recurring payments from your Independent Bank account or another financial institution, visit your local branch, or contact Customer Service at 800.355.0641.
  3. Send your loan payments by mail:

Regular Loan Payments
Independent Bank
PO Box 404
Belding, MI 48809

Payoff Payments
Independent Bank Payoff Department
230 W. Main St.
Ionia, MI 48846

Same-Day Expedited Payment Option - $7 Fee

For the convenience of our customers as we respond to the impacts of the coronavirus, Independent Bank will be waiving the $7 fee for same-day expedited payments until further notice.

Need to make a last-minute loan payment? Avoid late fees with Independent Bank's SwiftPay. For a $7 convenience charge per payment, you can make sure your loan payment is made the same business day. 

  1. Get started by making a same-day, one-time payment through SwiftPay:
    • Enter your payment information: loan number, note number, zip code, and the amount you are paying.
    • Enter your contact information: name, address, phone number, and email address.
    • Enter your bank account information from the account which you would like the payment to be withdrawn.
    • Review and submit. After you submit the payment you’ll receive your confirmation reference ID.

Make a One-Time Loan Payment

2. Prefer to make your payment over the phone? Call SwiftPay at 800.662.0102, and select option 1.

Before using this service, it’s important that you review and agree to the following terms

Authorization Agreement for Direct Payment
Authorization Agreement for Bank Storage of Information
Terms and Conditions