Biller name
Clay Electric Cooperative
HQ: Keystone Heights, FL
Legal name
Clay Electric Cooperative, Inc.
Website
Deferit is unaffiliated with Clay Electric Cooperative
Pay your Clay 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
Clay Electric Cooperative Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service Main | 800-224-4917 |
| Emergency / Outage | 855-939-3840 |
| Pay by Phone | 855-939-3840 |
Retrieved June 2026 · Source: clayelectric.com/contact ·clayelectric.com/contact-us · current departmental phone numbers and hours of operation.
About Clay Electric Cooperative
Clay Electric Cooperative is an incorporated, member-owned, not-for-profit electric power supplier serving north-central Florida through six district offices in Keystone Heights, Gainesville, Lake City, Orange Park, Palatka, and Salt Springs. The cooperative provides electric utility service to residential and commercial customers.
Clay Electric Cooperative bills commonly include base electricity charges, power cost adjustments (PCA), demand charges for commercial customers, and adjustments for energy efficiency rebates or programs. Deferit is unaffiliated with Clay Electric Cooperative.
How to Pay Your Clay Electric Cooperative Bill
- Online: Pay online at https://clayelectric.smarthub.coop
- Phone: Call 1-855-939-3840 to pay by phone.
- Mail: Send payment to Clay Electric Accounts Receivable, P.O. Box 308, Keystone Heights, FL 32656-0308
- In-Person: Pay at district offices in Keystone Heights, Gainesville, Lake City, Orange Park, Palatka, or Salt Springs, FL (Monday-Friday 8 a.m. - 5 p.m.)
- Auto-Pay: Set up automatic payments through MyClayElectric.com or the mobile app.
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Payment Methods & Addresses
Retrieved June 2026 · Source: clayelectric.com/payment-options ·clayelectric.com.
Need to split your Clay Electric Cooperative bill into installments?
Retrieved June 2026 · Source: clayelectric.com.
| Clay Electric Cooperative payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check Clay 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 Clay Electric Cooperative offers payment arrangements, limits are set by Clay 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 Clay 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 Clay 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 Clay 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 | Clay Electric Cooperative bills only | Clay 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 Clay Electric Cooperative bill with Deferit
Earn 2% cashback on every bill, redeemed off your next payment. No subscription fee.
Common Questions About Clay Electric Cooperative
Can I use Deferit to pay my Clay Electric Cooperative bill? ›
Yes. Enter your Clay Electric Cooperative bill amount in Deferit and we pay Clay Electric Cooperative in full right away. You repay us in 4 bi-weekly installments.
What payment methods does Clay Electric Cooperative accept? ›
Clay Electric Cooperative typically accepts online payments via credit card, debit card, or bank transfer. Visit clayelectric.com or contact their support team for the most up-to-date options.
Does Clay Electric Cooperative offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit Clay 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 Clay Electric Cooperative bill on time? ›
Contact Clay 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: June 2026