Manage Your Loan

Collateralized loans require full coverage insurance. Your insurance company may require you to provide loss payee for your LBS Financial Credit Union home or auto loan. Please provide the address below:

Vehicles

LBS Financial Credit Union
PO Box 790062
San Antonio, TX 78279-006

Lienholder Information for Vehicle Titling

For the purpose of vehicle titles, please use the address below exactly as written:

LBS FNCL CU
PO BX 4860
Long Beach CA 90804-0860

Mortgages

LBS Financial Credit Union
Its Successors and/or Assigns
P.O. Box 4860
Long Beach, CA 90804

There are a variety of ways to make a payment towards your LBS Financial loan.

LBS AutoPay 

Use our LBS AutoPay service to make one-time or recurring payments to your LBS Financial Consumer Loan from an account at another financial institution. There is no fee for this self-service payment channel and it can be accessed from any browser on a computer or mobile device. Access LBS AutoPay.​

There’s no charge for this service.

​Schedule Recurring Payments through Online Banking:

You may establish a recurring transfer from your LBS Financial account to your LBS Financial loan. Log in to Online Banking to set up your automatic transfer.

There’s no charge for this service.

​Make a Payment by Phone:

For a minimal fee, you may make a payment from another financial institution to your LBS Financial Credit Union loan by calling 866.923.6404. View our Fee Schedule. You may also call 800.527.3328 to make a payment from your LBS Financial account to your LBS Financial loan at no cost to you.

In Person:

Visit one of our six branches or any CO-OP Shared Branch in the United States to drop off your payment. Find a branch or ATM.

Mail:

You may pay by mail by sending your check, along with a loan payment coupon or the remittance portion of your monthly billing statement (depending on the type of loan you have) to:

LBS Financial Credit Union
P.O. Box 4860
Long Beach, CA 90804-0860

Transfer Your Auto Loan to LBS Financial Credit Union for a Great Rate!

Help Protect your Family Against the Unexpected

LBS Financial Debt Protection

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances. Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. It’s easy to apply for LBS Financial Debt Protection. It’s voluntary and won’t affect your loan approval.

Call LBS Financial Credit Union at 800.527.3328 and ask about protecting your loan today.

Your purchase of LBS Financial Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of LBS Financial Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

We want to help you protect your credit rating. If you are currently past due on an account, we want to work with you to resolve the matter.

If you are able to make your payment now, there are several ways to pay:

LBS AutoPay — Make a payment to your LBS Financial Consumer Loan from an account at another financial institution. There is no fee for this self-service payment channel and it can be accessed from any browser on a computer or mobile device. Access LBS AutoPay.

​Make a Payment by Phone — For a minimal fee, you may make a payment from another financial institution to your LBS Financial Credit Union loan by calling 866.923.6404. View our Fee Schedule. You may also call 800.527.3328 to make a payment from your LBS Financial account to your LBS Financial loan at no cost to you.

Visit a Branch — Make your payment in person at any of our seven branches or a Shared Branch location. Wire the money — Visit the Western Union website Western Union provides three easy pay options:

• Quick Collect — This transaction is completed at a Western Union location. You will need a code city (LBSFINANCIAL) and the state (CA). There is a fee for the service. Visit Quick Collect’s website for fee information.
• Quick Collect by Phone — Call 800.634.3422, press 2. MasterCard, Visa, Discover or a check card with the Visa or MasterCard logo is accepted. The fee for this service varies based on payment amount. Availability of this service varies by state.
• Quick Collect Online — Visit the Western Union website, click on “send money transfer online” and follow the instructions. MasterCard, Visa, or a check card with the Visa or MasterCard logo is accepted. The fee for this service varies by state.

If you are not able to pay at this time, it is important that you contact us:
Contact one of our LBS Financial collections representatives to help determine a plan that will get you financially back on track with your loan payments. We have several alternatives which, if you qualify, could get your loan up-to-date thereby protecting your valuable credit rating. To find out if there is a plan that works best for you:

• Message Us— login to online banking to send us a secure message.
• Call Us — Ask for the Collections Department during business hours

Do you find yourself having a hard time making even the minimum payments on your debts?

Get free and low-cost help from a trained, certified counselor who will assist you in determining the best options to meet your individual needs.

Consumer Credit Counseling can give you advice on managing your money, offer solutions to your current financial problems and assist in developing a personalized plan to help you prevent future difficulties.

Call 877.277.4932 to get started today or visit www.nfcc.org to get more information!