Oncor Payment Plans & Options

All payment methods and plans available from Oncor. Compare autopay, budget billing, payment extensions, and online payment options.

Online & Mobile Payments

Oncor offers multiple convenient payment methods: online through their website, via the mobile app, by phone, by mail, and at authorized payment locations. Online and mobile payments are processed immediately. You can pay with bank account (ACH), credit card, or debit card, though credit card payments may incur a convenience fee.

Budget Billing & Autopay

Budget billing averages your annual Oncor costs into equal monthly payments, eliminating seasonal bill surprises. Autopay automatically deducts your bill each month. Many customers combine both for predictable, hands-free payments. Some utilities offer a small discount for enrolling in autopay with bank account payment.

Payment Extensions & Plans

If you're having trouble paying, Oncor offers payment extensions (extra time to pay) and installment plans (spread a large balance over several months). Contact Oncor before your bill becomes past due — proactive communication typically results in more flexible arrangements. You may also qualify for assistance programs.

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Quick Bill Sanity Check

No upload required. Enter two numbers from your bill to see if it falls within typical ranges for Oncor.

Most utility bills are calculated correctly.

This quick check helps you understand if your bill stands out from typical ranges. It cannot determine accuracy without a full bill review.

The "Total Amount Due" on your bill

Usually labeled "Total kWh" or "Usage"

Disclaimer: This tool provides a rough estimate based on typical residential rates. It does not account for fixed charges, demand charges, time-of-use pricing, taxes, fees, or other bill components. Results are for informational purposes only and should not be considered financial or legal advice. We cannot determine billing accuracy without reviewing your full bill.

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