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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

SLS's pay off


SLS offers flexible mortgage repayment options. By mail, wire transfer, or bank bill pay. SLS promotes the following payment method:

  • Set up Autopay Online. Make withdrawals and deposits automatically. SLS does not have any fees, but your bank might. To activate Autopay, you must first create an online account with SLS.
  • Make a one-time payment online. Utilize the SLS website to make a one-time monetary contribution. While SLS does not have any associated fees, your bank might. Prepare your email address, loan number, or Social Security number and zip code.
  • Pay by phone. You can use the SLS voice response system for a possible third-party servicing fee of $7.50. You can also call in and possibly pay an extra $12.50 to speak with a representative. Make sure you know the routing and account numbers for your bank.

Early payoff

You can save money on interest and pay off your mortgage faster if you overpay if you have the financial flexibility to do so. A prepayment penalty is a fee required by the lender if the borrower pays off the loan before its scheduled maturity date. If this might apply to you, check the fine print of your SLS mortgage.


Can I pay SLS Mortgage by phone?

Contact 1-800-315-4757 to speak with a Customer Care Representative or use the automated system to make a payment. For this service, ACI Official Payments may impose a convenience fee. Please account information and routing number ready when you call.

Does SLS Mortgage have an automatic payment deduction?

SLS provides a free monthly payment deduction plan, and numerous methods exist to set this up. Please remember that your financial institution may impose a fee for some automatic transactions; for more information, contact your bank directly.

How can I cancel an SLS Mortgage electronic billing?

To begin, navigate to the customer login page and sign in to your account. You can cancel electronic billing by selecting "Go Paperless" in "Manage Account" and modifying your notification preferences.

Calculate loan payments at SLS

SLS calculator will allow you to calculate an approximate payment schedule for the loan

SLS calculator
Interest rates are given in accordance with the rates of the SLS in Washington, D.C. as of 02.10.2022
Loan amount

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50000 $
10000000 $
Loan term

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What to focus on before applying for a loan with SLS

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between SLS and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All SLS’s reviews by October 2022
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