Can you pay PennyMac with a credit card?
No. It does not take credit cards.
Stated on PennyMac's own payment page.
Last checked October 19, 2026 by Bill Router. How we check
Ways to pay PennyMac
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | PennyMac does not take mortgage payments by credit card or debit card. Other options are online eCheck, AutoPay, the automated phone system, and mail. |
| Bank account (ACH) | Yes | Free | AutoPay and one-time online payments are drafted from a checking or savings account. No fee is listed for online ACH payments. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays PennyMac by bank transfer or check. Not affiliated with PennyMac. |
| 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 PennyMac 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.
Watch out for
Western Union Quick Collect (in person) is offered, but Western Union charges its own fee.
Sources
At this time, we do not accept mortgage payments made with a credit card or debit card.
east.pennymac.com · checked October 19, 2026a recurring, automatic draft directly from your checking or savings account
www.pennymac.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.
Something changed? Tell us
Other mortgage servicers
- Alliant Credit Union Mortgage · Debit only
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- 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.