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Rita Ranch Branch is Closed 12/8 – 12/10.

Text to Pay with MessagePay

Make your next Vantage West loan payment via text message.

Setting Up Your Account:

1

Receive a text

2

Verify your account

3

Create your 4-digit pin

4

Add your preferred payment

5

Make a payment

What you should know:

  • You will receive a text message informing you of the amount due on your loan. You will be able to review your payment options or you will be able to opt out of our text message service by texting “STOP”.
  • The link will take you to a portal where you will be asked to verify your account with your last name and last 4 of SSN.
  • When you verify your account for the first time you will have to set up the following:
    • 4-Digit PIN: once you have entered your account information, it will prompt you to create a 4-digit pin. Store this information in a secure place as you will need this PIN to verify future payments.
    • Preferred Method of Payment: to make a payment you will have to add your preferred form of payment in the portal. You can do this by selecting ADD NEW DEBIT CARD or ADD NEW BANK ACCOUNT which will prompt a secure website for you to input your information. If done correctly, there will be a message stating ‘Payment Method Success’ and you will be redirected to the payment portal.
  • MessagePay can be used to pay to your vehicle loan, real estate loan, and unsecured loan.  VWCU Credit Card payments cannot be sent through MessagePay. A $10 convenience fee will be charged upon processing payment.

Why MessagePay?

MessagePay adds to the way you can pay with the simplicity of a text message. 

  • Convenient: Text reminders make sure you never miss a payment.
  • Secure: Encrypted information guarantees your information is secure. 

FAQs

If I opt out of receiving text messages, will I still be able to use this service?

No, you must be opted in to text messages in order to be able to access MessagePay. You can opt back in by responding “UNSTOP”.

Can I continue making payments through Vantage West online and mobile banking?

Yes, you can still make payments through online and mobile banking by transferring from an internal account or linking an external bank account. Making your loan payment via debit card is currently unavailable through Vantage West online and mobile banking. Debit card payments can be made through MessagePay.

Recent Alerts

Our Rita Ranch Branch is closed until Wednesday, ITMs are still available. Click Here for Nearby Locations.

We’re proud to bring you a new website that reflects the dedication to technology, information, and account management that serves our existing and prospective members!

Current Notifications

2026 Board Election

Members interested in running for a seat on our Board of Directors are invited to submit their application for nomination by December 31, 2025.

Important note about Website Safety

Stay informed about the latest scams and fraud tactics by visiting our online Fraud Watch page. If you have questions or suspect anything unusual, don’t hesitate to contact us. 

Card System Updates
Have a new card to activate?Call 1-800-631-3197.
Need to change your PIN?Call 1-888-886-0083.

Fraud Alert
Fraudulent activity continues to target our members through text messages, email, and phone calls. To keep your accounts safe, never click on unsolicited links or respond to suspicious texts, emails, or phone calls. Vantage West will NEVER ask for your one-time passcode, card number, PIN, or CVV number. 

Branch Updates
In branch debit card instant issue is currently unavailable.

Appointment Scheduling
Planning to visit a branch? Schedule an appointment online.