Biller name
Southwest Arkansas Electric
HQ: Texarkana, AR
Legal name
Southwest Arkansas Electric Cooperative
Website
Deferit is unaffiliated with Southwest Arkansas Electric
Deferit can pay your Southwest Arkansas Electric bill now, and you pay it later.1
50+ Southwest Arkansas Electric bills paid · typical bill $2002 Deferit is unaffiliated with Southwest Arkansas Electric
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 Southwest Arkansas Electric bill into installments?
Retrieved July 2026 · Source: swrea.com.
| Southwest Arkansas Electric payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check Southwest Arkansas Electric'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 Southwest Arkansas Electric offers payment arrangements, limits are set by Southwest Arkansas Electric 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 Southwest Arkansas Electric 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 Southwest Arkansas Electric'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 Southwest Arkansas Electric 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 | Southwest Arkansas Electric bills only | Southwest Arkansas Electric 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.
Southwest Arkansas Electric Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service | 800-782-2743 |
| Emergency / Outage | 866-229-8474 |
| Pay by Phone Main | 855-939-3697 |
Retrieved July 2026 · Source: swrea.com/contact-us · current departmental phone numbers and hours of operation.
About Southwest Arkansas Electric
Southwest Arkansas Electric Cooperative is a member-owned electric utility cooperative headquartered in Texarkana, Arkansas. The cooperative provides electric utility service across multiple districts spanning portions of Arkansas, Oklahoma, and Texas, serving residential and commercial members in the region. It operates on nonprofit principles, returning operational surpluses to members as patronage capital credits.
Southwest Arkansas Electric Cooperative bills commonly include electricity consumption charges, demand charges, transmission and distribution fees, power cost adjustments, and customer service charges. Deferit is unaffiliated with Southwest Arkansas Electric Cooperative.
How to Pay Your Southwest Arkansas Electric Bill
- Online: Pay online via SmartHub at https://swrea.smarthub.coop/Login.html
- Phone: Call (855) 939-3697 for automated pay-by-phone service
- Auto-Pay: Bank Draft automatic payment - contact Member Services at (800) 782-2743
- In-Person: Visit Texarkana office (8am-5pm) or Bradley/De Queen/Nashville offices (8am-12pm, 1pm-5pm)
- App: SmartHub mobile app for bill management and payment
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Southwest Arkansas Electric Payment Methods & Addresses
Retrieved July 2026 · Source: swrea.com.
Pay your Southwest Arkansas Electric bill with Deferit
Pay now and split it into 4 installments, once every two weeks.
Learn more →Common Questions About Southwest Arkansas Electric
Can I use Deferit to pay my Southwest Arkansas Electric bill? ›
Yes. Enter your Southwest Arkansas Electric bill amount in Deferit and we pay Southwest Arkansas Electric in full right away. You repay us in 4 bi-weekly installments.
Split this bill in 4What payment methods does Southwest Arkansas Electric accept? ›
Southwest Arkansas Electric typically accepts online payments via credit card, debit card, or bank transfer. Visit swrea.com or contact their support team for the most up-to-date options.
Does Southwest Arkansas Electric offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit Southwest Arkansas Electric's website or app to check whether autopay is available and how to enroll.
What do I do if I can't pay my Southwest Arkansas Electric bill on time? ›
Contact Southwest Arkansas Electric 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