Paying Bills & Loans

Yes, Payigy is being discontinued and replaced with REPAY.

Effective September 30, 2025, our current loan payment portal, Payigy, will no longer be available for log-in access or payment processing. Payments that are scheduled before September 30 can still be processed as normal, but payments that are scheduled for dates after September 30 will not be processed through Payigy.

To review the payments you may have scheduled in the Payigy Portal, use the link below to access your account information. To avoid double payment, be sure a loan is not scheduled to be paid with Payigy and REPAY in the month of September.

Access Payigy

Setting Up Your REPAY Account 

You will need to register in the new REPAY Portal to begin using it. Click the button below to access the Portal, then simply click "Create Login" and follow prompts to complete account set-up. When first setting up your account, you will need to provide the following information:

• Last 4 digits of your social security number
• Name, email and phone number as listed on your account
• Date of birth

For future logins simply access the REPAY Portal, click "Member Login" and enter the Email and Password you selected when creating your account.

Access REPAY

Your REPAY username will be the email address linked to your Gulf Winds account.

REPAY can be used for your Gulf Winds auto, boat, RV, motorcycle, ATV, personal and/or credit card loan payments. 

All payments will post immediately to your Gulf Winds loan. Your funds will be withdrawn from your selected Financial Institution account within 1-3 business days.

Ensure any scheduled payments from another institution or loan payment portal (such as Payigy) are cancelled directly before making or scheduling payments through REPAY.

It may take up to 24 hours. However, in most cases, the card swap happens immediately. It may take longer if the payee website is down or we encounter an issue with the swap during the first attempt.

Authentication requirements differ by payee. Some require a security question or code in order to access an account. If the payee requires you to enter a security question or code outside of CardSwap, you will also be required to enter your security question or code inside of CardSwap.

The (!) next to a payee may mean that the payee's website is temporarily down for maintenance. The (!) may also mean that there is an issue with the your account with a particular payee. Click on the payee with an (!) to receive information regarding any problems with your account with a particular payee and instructions on how to resolve the issue. Clicking on the payee will always provide messaging regarding any issues.

When utilizing CardSwap, you may receive notification from some payees that your account is being accessed from a location different than where you are located. This is caused by payees detecting a login from our servers rather than your location. In order to perform the swap, our system must access your account with each payee.

When utilizing CardSwap, you may receive notifications from some payees that your account is being accessed from an unknown device. This may occur if you have selected “remember me” upon login and the payee has registered your device. If the CardSwap system accesses an account with these settings in place, the payee may notify you because our system is different than what you typically use to access your account.