Not quite just for the purpose of paying it off but we're about to get a HELOC to pay for our new roof and some new appliances that we would have normally just paid for with a CC or check if CC wasn't possible. Tax refund on the interest plus the UR points from paying with Staples VGCs bought with an Ink card make it all the more sweet.

Took another posters advice and switched up payment amounts to avoid a wait period between payments. Paid my $800 car loan by doing $200, $10, $190, $20, $180, $30, $170. All back to back without waiting any longer than the time it took the page to load. BMW Financial didn't have any problem with my last payment of 4x$200 so we'll see how this one goes over with them.

I wouldn't say that, but I am doing a refi (moving my mortgage to a HELOC since we are almost done, and rates are attractive), and had two banks with similar rates to pick from. The one in the Evolve database won the tiebreaker.

Just FYI I made a payment of $100 to Alliant Credit Union mortgage and it was all applied to principal not regular payment. It is actually fine and I have some additional principal payments I want to make but if you want to pay your regular mortgage will probably take a phone call to have them reapply payments

I have auto pay on my Chase mortgage. I used Evolve last month in the middle of the month. No issues. I paid 5x$200 one day, 5x$200 the next day. Chase holds the payments as "unapplied cash" until the full payment amount is reached. Then the payment is credited as a regular payment, PITI applied as usual, with any overage applied to principal. Autopay does not trigger as long as full payment received. Going to make next round of payments for June 1 starting today. Probably a good idea to do these 4-5 days in advance at least.

I autopay my student loans because of an interest discount. I wonder if I can pay my student loans in a similar manner. Thanks for giving me something to think about.

If your bank is in Evolve today doesn't mean it will be there tomorrow. I used to be able to pay my HELOC via Evolve and then one day it was not available. Vendors may be added all of the time but some are also removed.

Has anyone had an issue where you pay multiple times over the weekend but only some of them post?

Has anybody prepaid the next few months' mortgage for a Wells Fargo home loan? For the past couple of months, I've been using Evolve to make exact payments for the current mortgage. I really don't have too many other bills to pay (other than credit card), but want to pick up more points/miles via Staples. If mortgage is $1800 and I just paid it this past weekend, can I pay $1800 this upcoming weekend to apply to next month's payment (due 7/1)? Or will it just get stuck in "unapplied"?

In my experience you will not be able to pay again until 6/2 (after this months payment date) for it to potentially be applied to your payment. Anything else will go direct to principal. Additionally, if you make a 3K payment, the additional will all go to principal too. I have not found a way to prepay in advance. I suppose you can call and ask, but it will not be done automatically, that is for sure.

Provident Funding -
1. Any $500 payments after monthly payments have been made will get applied to principal.
2. Any $500 or more payments made before the full monthly payment is made will get rejected by Provident if the amount is less than the monthly due.

I plan to try one of the following next -
1. Make multiple payments before the month-end. Call them and ask to combine to one single payment for next month.
or 2. Make payment on a weekend or same day with two accounts.

Fair point. Its very small, but that may be a disadvantage if they get annoyed with a bunch of $200 payments.

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You can't use Evolve to pay credit cards.