Can you pay Guild Mortgage with a credit card?
No credit cards. Debit cards only.
Stated on Guild Mortgage's own payment page.
Last checked October 19, 2026 by Bill Router. How we check
Ways to pay Guild Mortgage
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Debit card | Yes | $4.95 | Debit card payments go through the processor Repay. The fee varies by state, up to $4.95. The payment page is for the current month's payment; if you are more than 30 days past due, call to arrange payment. Credit cards are not mentioned. |
| Card on the biller's own site | Unclear | — | Guild's payments page names only debit cards for card payments. Credit cards are not mentioned either way. |
| Bank account (ACH) | Yes | Free | Automatic loan payments by ACH are available. The ACH fee is not published. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays Guild Mortgage by bank transfer or check. Not affiliated with Guild Mortgage. |
| Bilt | With a Bilt card | No fee | Bilt pays housing from your bank account, not your credit line, and earns points when your other card spending unlocks them. How Bilt works |
What it is worth for your mortgage payment
Example amount shown; change it to yours.
| Way to pay | Fee per payment | Net per year |
|---|---|---|
| Plastiq (pays Guild Mortgage for you) | $60.79 | −$249 |
| Bilt (from your bank, no card fee)Earns Bilt points unlocked by your other card spending; see the calculator. | $0 | $0 |
| Bank account (ACH) | $0 | $0 |
Rewards minus fees, twelve payments a year. A negative number means a card costs you money.
When a card is worth it
The fee usually beats the reward, except when it unlocks a sign-up bonus. Example: someone who already puts $1,000 a month on a card could pay 1 mortgage payment of $2,000 by card for about $61 in fees, reach the Chase Sapphire Preferred bonus, and keep about $594 after fees and the annual fee. Then switch back to the bank account. Run your own numbers.
A debit card payment earns no meaningful rewards, so it is only a convenience.
Watch out for
Debit card is the only card option listed, and it carries a state-dependent fee of up to $4.95.
Sources
There is a fee (varies by state up to $4.95) for using this payment option.
www.guildmortgage.com · checked October 19, 2026Not registered, or using a debit card, click here to use Repay (fee varies by state up to $4.95).
www.guildmortgage.com · checked October 19, 2026How do I sign up for automatic loan payments (ACH)?
www.guildmortgage.com · checked October 19, 2026
Payment rules change. Every biller is re-checked at least every 180 days, and a page past that date is taken out of search until it is.
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Other mortgage servicers
- Alliant Credit Union Mortgage · Debit only
- AmeriHome Mortgage · No credit cards
- Arvest Central Mortgage Company · No credit cards
- BMO Mortgage (formerly Bank of the West) · No credit cards
- Bank of America Home Loans · No credit cards
- Carrington Mortgage Services · No credit cards
- Chase Home Lending · No credit cards
- Citadel Credit Union Mortgage · Debit only
See every bill at once
Add your other bills to the calculator to see which go on a card, which stay on your bank account, and which sign-up bonus your normal spending can reach.