Biller name
Heart of Texas Electric Co-Op
HQ: McGregor, TX
Legal name
Heart of Texas Electric Cooperative Inc.
Website
Deferit is unaffiliated with Heart of Texas Electric Co-Op
Deferit can pay your Heart of Texas Electric Co-Op bill now, and you pay it later.1
Your repayment schedule
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Enter your bill amount to see your payment schedule.
Monthly membership applies, cancelable anytime. All payments incur a processing fee.
How to pay Payment methods Support FAQ
Need to split your Heart of Texas Electric Co-Op bill into installments?
Retrieved September 2026 · Source: hotec.coop.
| Heart of Texas Electric Co-Op payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check Heart of Texas Electric Co-Op'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 Heart of Texas Electric Co-Op offers payment arrangements, limits are set by Heart of Texas Electric Co-Op 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 Heart of Texas Electric Co-Op 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 Heart of Texas Electric Co-Op's payment portal or support team before setting up an arrangement. | Monthly Deferit membership plus a $0.99 processing fee per payment. No late fees on eligible Deferit memberships.* |
| If you miss a payment | Missed-payment consequences are set by Heart of Texas Electric Co-Op 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 | Heart of Texas Electric Co-Op bills only | Heart of Texas Electric Co-Op and most other US household bills |
| Learn more → |
*Deferit membership is $14.99 (Lite), $19.99 (Max) or $24.99 (Ultra) a month, plus a processing fee per payment. 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.
Heart of Texas Electric Co-Op Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service Main | 800-840-2957 |
| Emergency / Outage | 855-644-1795 |
Retrieved September 2026 · Source: hotec.coop/contact-us · current departmental phone numbers and hours of operation.
About Heart of Texas Electric Co-Op
Heart of Texas Electric Cooperative Inc. is a member-owned utility that provides electricity to rural areas of Central Texas. The cooperative serves a seven-county area encompassing Bell, Bosque, Coryell, Falls, Hamilton, McLennan, and Milam counties.
Heart of Texas Electric Cooperative Inc. bills commonly include electricity consumption charges, customer service charges, transmission and distribution fees, fuel cost adjustments, and applicable taxes. Deferit is unaffiliated with Heart of Texas Electric Cooperative Inc.
How to Pay Your Heart of Texas Electric Co-Op Bill
- Phone: Call 1-800-840-2957, Option #2 to pay by phone with Visa, Mastercard, Discover, American Express or eCheck.
- In-Person: Pay at McGregor office (1111 Johnson Drive) or Rosebud office (159 Loop 265), Monday-Friday 8am-5pm with checks, credit/debit cards or cash.
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Heart of Texas Electric Co-Op Payment Methods & Addresses
Retrieved September 2026 · Source: hotec.coop/billing-options.
Pay your Heart of Texas Electric Co-Op bill with Deferit
Pay now and split it into 4 installments, once every two weeks.
Learn more →Common Questions About Heart of Texas Electric Co-Op
Can I use Deferit to pay my Heart of Texas Electric Co-Op bill? ›
Yes. Enter your Heart of Texas Electric Co-Op bill amount in Deferit and we pay Heart of Texas Electric Co-Op in full right away. You repay us in 4 bi-weekly installments.
Split this bill in 4What payment methods does Heart of Texas Electric Co-Op accept? ›
Heart of Texas Electric Co-Op typically accepts online payments via credit card, debit card, or bank transfer. Visit hotec.coop or contact their support team for the most up-to-date options.
Does Heart of Texas Electric Co-Op offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit Heart of Texas Electric Co-Op's website or app to check whether autopay is available and how to enroll.
What do I do if I can't pay my Heart of Texas Electric Co-Op bill on time? ›
Contact Heart of Texas Electric Co-Op 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: September 2026