Payments made prior to 4:00 pm Eastern Time may post as early as next business day. Payments after 4:00 pm will not begin processing until the following business day. If you are scheduling a future-dated or recurring card payment, you must choose a payment date at least two (2) business days prior to the due date of your loan to ensure your payment posts on time and to avoid possible late fees and penalties. Weekends and Federal Holidays are not considered business days. Any non-standard payment amounts will be applied per the terms of your loan agreement.