Biller name
Hart EMC
HQ: Hartwell, GA
Legal name
Hart Electric Membership Corporation
Website
Deferit is unaffiliated with Hart EMC
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How to pay Payment methods Support Late fees FAQ Split into installments
Hart EMC Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service Main | 800-241-4109 |
| Emergency / Outage | 800-241-4109 |
| Pay by Phone | 866-916-4278 |
Retrieved July 2026 · Source: hartemc.com/contact ·hartemc.com/outage-center/report-an-outage · current departmental phone numbers and hours of operation.
About Hart EMC
Hart Electric Membership Corporation is a member-owned electric cooperative organized as a 501(c)(12) nonprofit, based in Hartwell, Georgia. Founded in 1937, Hart EMC delivers electrical power to customers within its service territory at a reasonable cost.
Hart EMC bills commonly include electricity usage charges, demand charges, transmission and distribution fees, fuel cost adjustments, and service charges. Deferit is unaffiliated with Hart EMC.
How to Pay Your Hart EMC Bill
- Online: Log in at hartemc.com and pay 24/7 with electronic check or major credit and debit cards.
- Phone: Call 866.916.4278 using the IVR system with credit card or e-check.
- Auto-Pay: Set up automatic monthly payments through the Member Portal at hartemc.com.
- Mail: Mail payment to PO Box 6079, Elberton, GA 30635-6079 with account stub.
- In-Person: Pay at Hartwell Main Office, 1071 Elberton Hwy, Hartwell, GA 30643 (Mon-Fri 8am-5pm; drive-thru and night depository available).
- App: Download Hart EMC mobile app for Android or iPhone to pay from your phone.
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Payment Methods & Addresses
Retrieved July 2026 · Source: hartemc.com/pay ·hartemc.com/contact-us.
Late Fees & Payment Policies
| Policy / Fee | Amount | Notes |
|---|---|---|
| Late payment fee | $5.00 | Can be exempted via Penalty Exemption form; separate $6.00 fee cannot be exempted |
| Late payment fee | $6.00 | Cannot be exempted per Penalty Exemption form eligibility |
| Deposit | Varies by state / not published | Required based on credit history for residential accounts; commercial deposits equal 60 days estimated bill |
Retrieved July 2026 · Source: hartemc.com/my-account ·hartemc.com/new-members
Need to split your Hart EMC bill into installments?
Retrieved July 2026 · Source: hartemc.com.
| Hart EMC payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check Hart EMC'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 Hart EMC offers payment arrangements, limits are set by Hart EMC 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 Hart EMC 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 Hart EMC'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 Hart EMC 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 | Hart EMC bills only | Hart EMC 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 Hart EMC bill with Deferit
Earn 2% cashback on every bill, redeemed off your next payment. No subscription fee.
Common Questions About Hart EMC
Can I use Deferit to pay my Hart EMC bill? ›
Yes. Enter your Hart EMC bill amount in Deferit and we pay Hart EMC in full right away. You repay us in 4 bi-weekly installments.
What payment methods does Hart EMC accept? ›
Hart EMC typically accepts online payments via credit card, debit card, or bank transfer. Visit hartemc.com or contact their support team for the most up-to-date options.
Does Hart EMC offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit Hart EMC's website or app to check whether autopay is available and how to enroll.
What do I do if I can't pay my Hart EMC bill on time? ›
Contact Hart EMC 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