This is a non-transactional web-site. In order to prevent unauthorized access to your information we maintain security standards that conform with industry practices. Your account information can be accessed by calling our GOLDPhone (619) 397-5543 or toll free (800) 354-1160.

Balboa Thrift and Loan offers a variety of ways to make a monthly payment. We have several payment methods that are fast, reliable, and easy:

Check By Mail

You can mail your payments to the following address:

Balboa Thrift and Loan
P.O. Box 1147
Chula Vista, CA 91912

For payments or payoffs delivered by FedEx/UPS, remit to:

Balboa Thrift and Loan
Attn: Payments or Payoffs
865 Amena Ct
Chula Vista, CA 91910

Pay In Person

You can make a payment in person at any of our branch locations. To locate the branch that is near you, click here.

Pay By Phone

You can make a payment by phone by calling our GOLDPhone (619) 397-5543 or toll free (800) 354-1160. GOLDPhone also allows you to access account information.

Online Payment Posting: Payment made with Checking Account
Before 5:00pm PT, Monday- Friday – Same day Posting
After 5:00pm – Next day posting
Payment made with ATM/Debit Card:
Before 3:00pm PT, Monday-Friday – Same day posting
After 3:00pm PT –Next day posting
All online payments are not posted on the weekends or Federal Holidays, and will be processed on the next business day.

Western Union Speed Pay

For your convenience you can make the payment without ever leaving your house, and pay with your checking, Savings, Money Market accounts, ATM Debit Card, or use your Credit Card by logging into this web site:
Western Union - Speed Pay

Please have your 10 digit account number available and keep in mind there will be a $9.00 fee charged by Western Union for this service.

Payment made through Western Union Speed Pay - Checking Accounts:
Before 5:00pm PT, Monday- Friday – Same day Posting
After 5:00pm – Next day posting
Payment made through Western Union - with ATM/Debit Card:
Before 3:00pm PT, Monday-Friday – Same day posting
After 3:00pm PT –Next day posting
All Western Union payments are not posted on the weekends or Federal Holidays, and will be processed on the next business day.

MoneyGram ExpressPayment

With over 40,000 retail agents locations nationwide (including CVS Pharmacy, Wal-Mart, Albertsons), this is a fast way to send a payment. You must use the receive code number “6232”. For your convenience just click on to the money gram express web site for the nearest location:
MoneyGram ExpressPayment

Please have your 10 digit account number available and keep in mind, MoneyGram will charge a fee for the transaction. MoneyGram can only accept Cash or Debit Cards with a PIN.

Western Union Quick Collect

With over 50,000 agent locations and 350,000 locations globally with extended hours, another convenient reliable service. Don’t forget to use the City Code “balboa” along with your 10 digit account number and the state is CA. Click to find a location near you:
Western Union - Quick Collect

Please have your 10 digit account number available and keep in mind, Western Union charges a fee to complete this transaction. Western Union will only accept Cash and Debit Cards with a PIN and may for an additional fee.