Manage My Loan

One-Time Loan Payments

Payments are posted to your account effective the date the payment was made. However, any payment received after 7:00 p.m. PT on normal business days will be processed with your designated financial institution on the following business day. Payment activity can be viewed online by accessing your account once the payment has been processed.

Pay my loan

Automatic Payment

Setting up automatic monthly payments is simple and secure. To begin, sign in to your account using the Login link at the top of this page. Once logged in, navigate to the Secure Forms tab and select “Setup Automatic Loan Payment.” You will be prompted to provide information related to the account you would like to make payments from.

Alternatively, you may download the form, complete the required information and return it to us via mail or fax:

BofI Federal Bank
P.O. Box 919008
San Diego, CA 92191

Or fax the form to 1-858-764-9985

Please allow five business days for the request to be processed.

Did you know…
When you set up your automatic payments, you can choose a convenient date you would like to make your payment each month.

Ask Us

Home Loan Customer Service / Payoff Statements

Phone: 1-866-923-7112
Fax: 1-858-764-9985
Hours: Monday - Friday,
8:00 am - 5:00 pm PT

General Mail Correspondence

Loan Servicing
P.O. Box 919008
San Diego, CA 92191

Qualified Written Requests

Loan Servicing
Attention: QWR
P.O. Box 919008
San Diego, CA 92191

A Qualified Written Request (QWR): Inquiries asking for information relating to the servicing of your loan or to dispute errors about your loan account must be made in writing (separate from your payment correspondence). Qualified Written Responses must include the words “This is a Qualified Written Request,” the name and account number of the borrower, a statement of the reasons for the dispute, and be mailed to the PO BOX listed.

Loan Payment Assistance

General inquiries should be directed to the Loan Servicing department by calling 1-866-923-7112 or e-mailing Along with your detailed question, please include your loan number, telephone number (including area code), e-mail address, and mailing address.

We want you to know that assistance may be available to help you avoid foreclosure. We want to talk with you about your current loan situation to see if you qualify for one of our options, such as:

  1. Loan Modification - Modifying the current terms of your loan to give you a more affordable and sustainable monthly home loan payment
  2. Repayment Arrangements - Developing a plan to repay the full amount owed over time
  3. Deed-in-Lieu - Signing a deed transferring title to the property over to BofI Federal Bank to avoid foreclosure
  4. Short Sale - BofI agrees to accept less than a full payoff of the loan from the sale of the property
  5. Full Reinstatement - Paying all past due amounts to bring your loan current

For these options, you will need to provide the following information (if applicable):

If you are interested in exploring any of the options listed above, you will need to contact Bank of Internet at 877-764-9998 during our normal business hours. You can discuss what option would be most beneficial to you.

If you are a member of (or dependent of a person in) the military, the commissioned corps of the National Oceanic & Atmospheric Administration, the commissioned corps of the Public Health Service, military reserves called to active duty, or a full-time member of the National Guard, and you believe you may have rights under the Servicemembers Civil Relief Act (SCRA), you should contact your unit’s Judge Advocate, Legal Assistance Officer, or “Military OneSource” at 1-800-342-9647 or

For information on Bank of Internet USA , please contact a personal lending specialist by email at or by telephone at 1-866-923-3625 between 8 a.m. and 5:30 p.m. PT.

Additionally, we want to make you aware of free or low cost housing counseling made possible by the U.S. Department of Housing and Urban Development (HUD). Housing counselors can help you understand the law and your options. They can also help you organize your finances and represent you in negotiations with your lender if you need this assistance. You may find a HUD-approved housing counselor near you by calling 1-800-569-4287 or online at For hearing-impaired customers, HUD Counseling Agency (TDD) numbers are available at 1-800-877-8339.