What Infinity Pay is and how to use it
Infinity Pay is a bill payment service offered through Mapfre and Arbella insurance. It lets you pay your insurance premiums in smaller, more frequent installments instead of one lump sum. Rather than paying your full annual or semi-annual premium upfront, you can split the cost across multiple payments spread throughout the year.
The service works through automatic bank account withdrawals or credit card charges on a schedule you choose. When you enroll, you authorize Mapfre or Arbella to deduct your payment amount on set dates — typically monthly, bi-weekly, or weekly depending on the plan. The insurer handles the scheduling; you do not have to remember to pay each time.
Infinity Pay is optional. You can choose to pay your full premium at once instead, or you can switch between payment methods when your policy renews. The choice is yours at enrollment and at each renewal date.
Key Takeaways
- Infinity Pay splits your insurance premium into smaller payments spread across the year rather than requiring one large upfront payment.
- Payments are deducted automatically from your bank account or charged to a credit card on dates you select during enrollment.
- Using Infinity Pay may add a fee to your total cost, and that fee varies depending on your payment frequency and insurer.
- If a payment fails due to insufficient funds or an expired card, your coverage may be suspended until the payment goes through.
- You can return to paying your full premium at once, or switch payment methods, when your policy renews.
What Infinity Pay costs and what fees apply
Infinity Pay is not free. Mapfre and Arbella charge a fee for splitting your payments, and the amount depends on how often you pay. Monthly payments typically carry a lower fee than weekly or bi-weekly plans, because the insurer processes fewer transactions. The exact fee is shown to you before you enroll — you will see the total cost of the plan with the fee included.
The fee is added to your total premium cost. If your annual premium is $1,200 and Infinity Pay adds $60 in fees, you will pay $1,260 total across all your installments. That $60 is divided among your payments, so if you pay monthly, each payment will be slightly higher than one-twelfth of your base premium.
Some insurers waive the Infinity Pay fee during promotional periods or for customers who meet certain conditions — such as paying by automatic bank transfer rather than credit card. Check your enrollment documents or contact your agent to see whether any fee reductions apply to you.
How to enroll in Infinity Pay
You can set up Infinity Pay when you first purchase a policy or when your current policy renews. During the enrollment process, you will be asked whether you want to pay in full or use an installment plan. If you choose Infinity Pay, you select your payment frequency (monthly, bi-weekly, or weekly) and provide banking or credit card information for automatic withdrawals.
You can also enroll after your policy starts. Log into your Mapfre or Arbella online account, or call your agent or the insurer's customer service line. They will walk you through the payment method change and show you the new payment schedule and any associated fees.
Before you confirm enrollment, review the payment dates and amounts. Make sure the dates align with when you receive income, and confirm that your bank account or credit card will have sufficient funds on each due date. If a payment fails, your coverage can lapse.
What happens if a payment fails or is late
If a payment does not go through — because your bank account has insufficient funds, your card is expired, or the payment method is invalid — your policy may be suspended. Mapfre and Arbella typically give you a grace period of 10 to 30 days to make the payment before coverage actually ends, but the exact grace period is in your policy documents.
During the grace period, you are still covered, but you are at risk of losing coverage if the payment is not received. If you miss a payment, contact your insurer immediately to update your payment method or make the overdue payment. Do not wait for a notice; the sooner you act, the less risk of a lapse.
If your coverage lapses, you will need to reinstate your policy, which may involve paying all overdue amounts plus any reinstatement fees. In some states, a lapse in auto or home insurance can affect your ability to get coverage elsewhere and may result in higher rates when you do.
Comparing Infinity Pay to paying in full
Paying your full premium upfront costs less overall because you avoid the Infinity Pay fee. If your annual premium is $1,200 and Infinity Pay adds $60, paying in full saves you that $60. For some households, that savings matters; for others, the ability to spread payments across the year is worth the extra cost.
Paying in full also eliminates the risk of a missed payment causing a coverage lapse. Once the payment is processed, your coverage is secure for the entire policy period. With Infinity Pay, you must ensure funds are available on each payment date.
If you have a tight monthly budget and cannot set aside a lump sum, Infinity Pay may be the only realistic option even with the fee. Weigh the fee cost against the benefit of manageable monthly payments. Some people use Infinity Pay for one policy and pay in full for another, depending on their cash flow at the time.
How to change or cancel Infinity Pay
You can switch from Infinity Pay to full payment, or vice versa, at your policy renewal date. Log into your online account or contact your agent to request the change. The new payment method will take effect on your next renewal.
If you want to change payment methods mid-policy — for example, to switch from monthly to bi-weekly payments — contact your insurer to see whether that change is allowed. Some insurers allow mid-policy changes; others require you to wait until renewal. If a change is allowed, any fee adjustment will be calculated and shown to you before you confirm.
If you cancel Infinity Pay and return to full payment before your policy renews, you may owe a lump sum for the remaining balance of your premium. Confirm the exact amount owed and the payment deadline with your insurer before you make the switch.
Frequently Asked Questions
Can I use Infinity Pay if I have a poor credit score?
Infinity Pay does not involve a credit check. It is a payment plan offered by the insurer, not a loan. You only need a valid bank account or credit card for automatic withdrawals. Your credit score does not affect whether you can enroll.
What if I want to pay off my remaining balance early?
You can usually pay your remaining premium balance in full at any time. Contact your insurer to request an early payoff amount. Some insurers may refund a portion of the Infinity Pay fee if you pay off early, but policies vary — ask before you pay.
Does Infinity Pay affect my insurance rates?
No. Infinity Pay is a payment method, not a factor in how your rates are calculated. Your premium is the same whether you pay in full or use installments; the only difference is the fee added for the installment plan.
What payment methods does Infinity Pay accept?
Mapfre and Arbella typically accept automatic bank account withdrawals and credit or debit card payments. Bank withdrawals often have lower or no fees compared to card payments. Confirm which methods are available when you enroll.
Can I enroll in Infinity Pay online, or do I need to call?
Most insurers allow online enrollment through their customer portal if you already have an account. You can also enroll by phone with an agent or customer service representative. Both methods take about 10 to 15 minutes.