Can you pay PHH Mortgage (Onity) with a credit card?
No. It does not take credit cards.
Based on the payment methods PHH Mortgage publishes; where it lists no card option, we read that as no.
Last checked October 19, 2026 by Bill Router; spot-checked by a person October 20, 2026. How we check
Ways to pay PHH Mortgage (Onity)
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | Other ways to pay are bank bill pay, mail, phone (automated or agent), wire, MoneyGram and Western Union. Cards are not listed. Agent-assisted phone payments may incur a fee, disclosed before the transaction; the amount is not published. |
| Bank account (ACH) | Yes | $0.00 | Alternative no-fee methods include online, the automated phone system, mail and scheduled monthly bank account debits. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays PHH Mortgage (Onity) by bank transfer or check. Not affiliated with PHH Mortgage (Onity). |
| 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 PHH Mortgage (Onity) 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
Phone payments with an agent can carry a fee, so use autopay, online or the automated line. Some PHH-serviced loans have moved to Newrez; call Newrez at 1-866-317-2347.
Sources
there may be a fee to process your payment with an agent.
www.mortgagequestions.com · checked October 19, 2026There are alternative methods of payment involving no fee
www.mortgagequestions.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.