How to pay your Loft credit card bill
Loft credit cards are issued by Comenity Bank, so you pay your bill through Comenity's online portal or by phone. You can make a one-time payment, set up automatic payments, or pay by mail. The fastest route is logging into your account at the Comenity website or mobile app, where you can see your balance and pay when ready.
You do not need to visit a Loft store or call Loft customer service to pay your bill — Comenity handles all payments directly. Payments made online or by phone typically post within one business day.
Key Takeaways
- Log in to your Comenity account at comenity.com or use the Comenity mobile app to pay your Loft card bill online.
- You can make a one-time payment, set up automatic monthly payments, or pay by phone at the number on the back of your card.
- Online and phone payments usually post within one business day, while mailed checks take seven to ten business days.
- Your minimum payment and due date appear on your monthly statement and in your online account.
- Late payments may result in fees and interest charges, so set a calendar reminder or automatic payment if you tend to forget.
Paying online through Comenity's website
Go to comenity.com and click "Log In" at the top of the page. Enter your username and password. If you do not have an account set up yet, click "Enroll Now" and follow the prompts to register using your card number and other identifying information.
Once logged in, look for "Make a Payment" or "Pay My Bill" — the exact wording varies by browser and device. Select the amount you want to pay (minimum payment, statement balance, or a custom amount), choose your payment method (bank account or debit card), and confirm. You will see a confirmation number on screen; write it down or take a screenshot.
If you do not see a payment option in your account, check that your card is active and in good standing. Contact Comenity at the number on the back of your card if you cannot locate the payment button.
Paying through the Comenity mobile app
read the Comenity mobile app from the Apple App Store or Google Play Store. Log in with the same username and password you use on the website, or create a new account if you have not enrolled yet.
Tap "Pay Bill" or "Make a Payment" (the label depends on your device). Enter the amount, select your payment method, and confirm. The app will show you a confirmation number and the expected posting date. You can also view your balance, recent transactions, and due date in the app at any time.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your Comenity account on the website or app and look for "Manage Automatic Payments" or "Autopay Settings." Select the amount you want to pay each month — most people choose the full statement balance or the minimum payment — and the date you want it to come out.
Comenity will deduct the payment from your bank account on that date each month. You can change or cancel automatic payments anytime by logging back into your account. Even with autopay turned on, check your statement each month to make sure the payment posted and your balance is correct.
Paying by phone
Call the number on the back of your Loft credit card. A representative will ask for your card number and the amount you want to pay. Have your bank account or debit card information ready if you are paying from a bank account; if you are paying with a debit card, you will need the card number and expiration date.
Phone payments post within one business day, just like online payments. You will receive a confirmation number over the phone; write it down for your records.
Paying by mail
Write a check or money order payable to Comenity Bank. Include your Loft card number on the check. Mail it to the address printed on your statement under "Payment Address" — do not send it to a Loft store location.
Mailed payments take seven to ten business days to post, so send your check at least two weeks before your due date to avoid a late payment. Keep a copy of the check or take a photo of the front and back for your records.
What to do if you cannot pay the full balance
You can pay any amount at least equal to your minimum payment by the due date. Your minimum payment appears on your statement and in your online account. Paying only the minimum means you will owe interest on the remaining balance, but it keeps your account in good standing and avoids late fees.
If you are having trouble making even the minimum payment, contact Comenity before your due date. They may be able to discuss payment options or temporary adjustments to your account. Waiting until after the due date passes will result in late fees and a negative mark on your credit report.
Frequently Asked Questions
How do I know if my payment went through?
Log into your Comenity account and check your recent transactions. You should see the payment listed within a few hours of making it online or by phone. The payment will show as "pending" until it posts, which usually happens within one business day. You can also call Comenity at the number on your card to confirm.
Can I pay my Loft card bill at a Loft store?
No. Loft stores do not process credit card payments. You must pay through Comenity — online, by phone, by mail, or through automatic payments. Comenity is the bank that issued your card and handles all billing.
What if I pay after the due date?
A late fee will be added to your account, and interest will start accruing on your balance if it was not already. A late payment may also be reported to credit bureaus and lower your credit score. Pay as soon as you realize you are late, and contact Comenity to discuss your options.
Can I change my automatic payment amount or date?
Yes. Log into your Comenity account, go to "Manage Automatic Payments," and update the amount or date. Changes usually take effect on your next scheduled payment. If you need to stop autopay when ready, you can cancel it in your account or call Comenity.
Is there a fee to pay my bill online or by phone?
No. Comenity does not charge a fee for online or phone payments. Paying by mail is also free, though it takes longer. Some third-party payment services may charge a fee, but Comenity's own payment methods are free.