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Make a loan payment – it's fast and easy!

Make a loan payment – it's fast and easy!

Make a payment for:

  • Motor vehicle loan (auto, boat, motorcycle, RV)

  • Home Equity Loan or Line of Credit

  • Personal Loan or Line of Credit

Or, visit one of these pages to make another type of payment:

  • From a Commerce account:

    Log in to Online Banking

    Available 24/7/365 – choose option to transfer from checking or savings to your Commerce loan
    Payment credited same day

  • From a non-Commerce account, Visa or Mastercard debit card:

    Make a payment

Automatic Monthly Debit

  • Self service:

  • Get help:

    Contact a Customer Service Representative at 800-449-9829 to establish the process for making automatic monthly payments from your deposit account.

    (This service is currently available for Commerce deposit account holders only)

  • Additional details:

    Hours of Operation

    Monday – Friday
    8:00 am – 8:00 pm
    Saturday and nontraditional holidays
    8:00 am – 4:00 pm
    Closed Sunday and Federal Holidays

    This method will automatically debit the payment from your designated checking or savings account each month and apply the payment directly to your loan as of the date you choose.

    However, please note that the full amount of the monthly scheduled payment will not be withdrawn from the designated bank account in any month that other payment(s) toward the loan(s) have been made and/or a monthly payment amount has been otherwise satisfied in full.

    Payment credited on the date you choose the withdrawal to be made.


By phone

  • Account Information Line

    866-453-2265

    Available 24/7/365 – choose option to transfer from Commerce checking or savings to your Commerce loan (No fee for this service)
    Payment credited on the date received

  • Automated Phone System

    866-658-9333

    Use a non-Commerce checking or savings account or an eligible* debit card (including a Commerce debit card) to make a payment. ($4.95 fee applies)
    Payment credited on the date received

  • Customer Contact Center

    800-449-9829

    Hours of Operation

    Monday – Friday
    8:00 am – 8:00 pm
    Saturday and nontraditional holidays
    8:00 am – 4:00 pm
    Closed Sunday and Federal Holidays

    • With a Commerce deposit account or a Commerce Debit Card: Choose to transfer funds from your Commerce Bank deposit account or an eligible Commerce debit card to your loan account. (No fee for this service)
    • With a non-Commerce checking or savings account or an eligible* debit card (including a Commerce debit card) to make a payment. ($7.95 fee applies)

    *"eligible debit card" means it is linked to any of the following Networks: Star, Accel, Pulse, or NYCE.
    Payment credited on the date received

In person

(Commerce account required)


By mail

  • Home Equity Loans and Installment Loans

    Commerce Bank
    PO Box 807011
    Kansas City, MO 64180-7011

  • Home Equity Line of Credit

    Commerce Bank - Home Equity Line of Credit
    PO Box 806600
    Kansas City, MO 64141

  • Branch Line of Credit

    Commerce Bank - Branch Line of Credit
    PO Box 806600
    Kansas City, MO 64180

Payments must be accompanied by the payment form or account number, and in the form of a check or money order in U.S. Dollars drawn on a U.S. financial institution.

Payments received at 5 p.m. CT or after will be credited to your account no later than the next Business Day.