Biller name
Central Rural Electric Cooperative
HQ: Stillwater, OK
Legal name
Central Rural Electric Cooperative
Website
Deferit is unaffiliated with Central Rural Electric Cooperative
Pay your Central Rural Electric Cooperative bill with Deferit
Earn 2% cashback on every bill you pay with Deferit.
Financing Option
Deferit can pay your bill now, then you pay it back later.
How to pay Payment methods Support FAQ Split into installments
Central Rural Electric Cooperative Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service / Billing Main | 800-375-2884 |
| Customer Service / Billing | (405) 372-2884 |
Retrieved July 2026 · Source: mycentral.coop/contact ·mycentral.coop/outage-center · current departmental phone numbers and hours of operation.
About Central Rural Electric Cooperative
Central Rural Electric Cooperative is an electric distribution cooperative headquartered in Stillwater, Oklahoma, serving more than 25,000 meters across seven central Oklahoma counties. The cooperative provides electric distribution to its service territory and operates Centranet Fiber.
Central Rural Electric Cooperative bills commonly include electricity usage charges, demand charges, transmission and distribution fees, fuel cost adjustments, and base service fees. Deferit is unaffiliated with Central Rural Electric Cooperative.
How to Pay Your Central Rural Electric Cooperative Bill
- Online: Pay through SmartHub at https://mycentral.smarthub.coop/ using the PayNow feature (no login required) or after logging in.
- Phone: Call Secure Pay at (800) 375-2884 (24/7) to pay by bank account or credit card with no fee.
- Mail: Mail payment to Central Electric Cooperative, PO Box 21053, Tulsa, OK 74121.
- In-Person: Visit office at 3305 S. Boomer Rd., Stillwater, OK 74074 (Monday-Friday, 8 a.m. to 5 p.m.); drive-thru drop box available.
- Auto-Pay: Set up automatic bank draft (EFT) through SmartHub or call 1-800-375-2884; free service.
- Budget Billing: Enroll in Average Monthly Payment (AMP) program by calling 1-800-375-2884 (requires 12-month usage history and fewer than two late payments in 12 months).
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Payment Methods & Addresses
Retrieved July 2026 · Source: mycentral.coop/payment-options.
Need to split your Central Rural Electric Cooperative bill into installments?
Retrieved July 2026 · Source: mycentral.coop.
| Central Rural Electric Cooperative payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check Central Rural Electric Cooperative's online account, payment portal, or customer support team for available payment arrangement options. | Sign up, take a picture of your bill, and Deferit pays it on your behalf. Online or in app. |
| Maximum split | If Central Rural Electric Cooperative offers payment arrangements, limits are set by Central Rural Electric Cooperative based on your account status. We couldn't verify a published maximum split. | 4 installments, once every two weeks, up to your Deferit balance |
| Eligibility & approval | Decided by Central Rural Electric Cooperative at request time based on account status | Monthly Deferit membership, no lock-ins. Cancel anytime. |
| Fees & interest | Fees and interest were not published in the sources reviewed. Check Central Rural Electric Cooperative's payment portal or support team before setting up an arrangement. | Monthly Deferit membership plus a $0.99 processing fee per bill. No interest. No late fees on eligible Deferit memberships.* |
| If you miss a payment | Missed-payment consequences are set by Central Rural Electric Cooperative and may include late fees, service interruption, or collection activity depending on your account. | You can reschedule a repayment date in the app before it's due. Late fees may apply depending on your Deferit membership.* |
| Works for | Central Rural Electric Cooperative bills only | Central Rural Electric Cooperative and most other US household bills |
| Learn more → |
*No late fees feature included with Max and Ultra memberships. Installments on the Lite membership may incur late fees if overdue. See Membership terms for details.
Pay your Central Rural Electric Cooperative bill with Deferit
Earn 2% cashback on every bill, redeemed off your next payment. No subscription fee.
Common Questions About Central Rural Electric Cooperative
Can I use Deferit to pay my Central Rural Electric Cooperative bill? ›
Yes. Enter your Central Rural Electric Cooperative bill amount in Deferit and we pay Central Rural Electric Cooperative in full right away. You repay us in 4 bi-weekly installments.
What payment methods does Central Rural Electric Cooperative accept? ›
Central Rural Electric Cooperative typically accepts online payments via credit card, debit card, or bank transfer. Visit mycentral.coop or contact their support team for the most up-to-date options.
Does Central Rural Electric Cooperative offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit Central Rural Electric Cooperative's website or app to check whether autopay is available and how to enroll.
What do I do if I can't pay my Central Rural Electric Cooperative bill on time? ›
Contact Central Rural Electric Cooperative directly to ask about payment arrangements or hardship assistance programs. Deferit can also help — split your bill into 4 payments to ease the immediate financial pressure.
Updated: July 2026