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Online Loan Payment Terms & Conditions

Notes: This information speaks to the terms and conditions of use for Capitol Federal's online loan payment system only.

Terms and Conditions

Capitol Federal® is offering this loan payment service ("Service") as a convenient option to you. Currently, the Service is limited to the ability to pay your loan payment electronically over the Internet. In addition to these Terms and Conditions, you should review our Frequently Asked Questions (FAQ) and our Privacy Policy. The FAQ page includes important information about what browsers are currently supported by the Service, how information sent or received using the Service is encrypted for security purposes, and other information about how the Service works and how to get help if you have a problem using the Service. Our Privacy Policy includes important information about the type of information we collect about you, how we collect that information, and what we can do with that information.


Authentication and Authorization for Service Usage

  • This Service incorporates commercially reasonable methods to authenticate the information that you have supplied for making a payment through this Service. You will not be able to submit a loan payment until the Service authenticates you and you will not be allowed to use the Service to pay your loan payments until you have read these Terms and Conditions and have acknowledged doing so by selecting "I agree to the Terms and Conditions."

  • As the user of the Service ("User"), and upon your acceptance of these Terms and Conditions, you will have submitted your banking account information. You are responsible for any legal, regulatory, or banking penalties and fees that may be assessed for supplying false information to us for use with the Service.

  • The Service is used for payment on loan accounts serviced by Capitol Federal.

  • If the Designated Account is a banking account for your Business, then it must be one for which you are a properly authorized signer.

  • By accepting these Terms and Conditions, you authorize Capitol Federal to initiate a charge to your Designated Account according to your instructions. Each time you use the Service to pay your loan payment, you will be reauthorizing us to charge your Designated Account.

  • The cut-off time for payments is 2:00 p.m. Central Time. Payments submitted after 2:00 p.m. Central Time on a business day, or on a day that is not a business day, will be processed on the next business day.


By accepting these Terms and Conditions, you represent and warrant that:
1) You are 18 years old or older;
2) You are using your actual identity and any information you provide is accurate and complete;
3) You are legally authorized to make payments using your Designated Account;
4) You have read and agreed to our Privacy Policy; and
5) Your use of the Service will not violate any local, state, national or international laws or regulations.