Pay your Loft credit card online, by phone, or by mail
Loft Credit Card payments go to Synchrony Bank, which handles the account on behalf of Loft. You can pay online through your Synchrony account, call the customer service number on the back of your card, mail a check to the address on your statement, or set up automatic payments. The fastest route is online — payments post within one business day.
You'll need your card number and either your online login or the last four digits of your Social Security number to make a payment. If you haven't set up an online account yet, you can create one at Synchrony's website using your card number and billing zip code.
Key Takeaways
- Online payments through Synchrony typically post within one business day and are the fastest way to pay.
- You can call the customer service number on your card to make a payment by phone without logging in.
- Automatic payments can be set up through your Synchrony account to pay a fixed amount or your full balance each month.
- Mailed payments should be sent to the address listed on your statement and may take 7 to 10 business days to post.
- Your payment due date is listed on your statement; paying by that date avoids late fees and interest charges.
Pay online through your Synchrony account
Log in to your Synchrony account at Synchrony.com or through the Synchrony mobile app. Click "Make a Payment" and enter the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Review the payment details and confirm.
Synchrony will show you the payment posting date before you submit. If you're paying from a bank account, the money moves when ready. If you're paying from a debit or credit card, there may be a small fee. Once confirmed, you'll see a confirmation number on screen — save or screenshot this for your records.
Pay 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. You can pay from a checking or savings account, or from another debit or credit card. The call takes about five minutes.
Phone payments post within one business day, the same as online payments. Ask the representative for a confirmation number before you hang up. If you call outside business hours, you can use the automated system to make a payment without speaking to anyone.
Set up automatic payments
Log into your Synchrony account and go to "Manage Automatic Payments." Choose whether you want to pay your full balance, the minimum payment, or a fixed dollar amount each month. Select the day of the month the payment should come out — most people choose a few days after payday or after they know their balance.
Automatic payments are useful if you want to avoid late fees or if you pay the same amount every month. You can change or cancel automatic payments anytime through your account. If your balance changes significantly, you may want to adjust the payment amount or switch to paying your full balance automatically.
Pay by mail
Write a check or money order for the amount you owe. Write your card number on the check. Mail it to the address shown on your statement under "Payment Address" — this is different from your billing address. Do not send cash.
Mailed payments take 7 to 10 business days to post after Synchrony receives them. If your payment due date is coming up, mail your payment at least two weeks in advance to avoid a late fee. Keep a copy of the check or a photo of the front and back for your records.
What happens if you miss a payment
If your payment is not received by the due date shown on your statement, Synchrony will charge a late fee. The amount depends on your account terms but is typically $25 to $40 for the first late payment. Your interest rate may also increase if you miss a payment.
If you realize you'll miss a due date, contact Synchrony as soon as possible. Some accounts have a grace period of a few days, and a representative may be able to waive a fee if this is your first late payment. The sooner you call, the more options you may have.
Understanding your statement and due date
Your Loft Credit Card statement arrives each month and shows your balance, the minimum payment due, and the payment due date. The due date is usually the same day each month. Your statement also lists recent purchases, fees, and interest charges.
The minimum payment is the smallest amount Synchrony will accept to keep your account in good standing. Paying only the minimum means you'll pay interest on the remaining balance. Paying your full balance each month avoids interest charges entirely. If you can't pay the full balance, paying more than the minimum reduces the interest you'll owe.
Frequently Asked Questions
Can I pay my Loft card at a store?
No. Loft Credit Card payments must be made through Synchrony Bank, not at Loft stores. You can pay online, by phone, by mail, or through automatic payments, but not in person at a Loft location.
How long does it take for an online payment to post?
Online payments typically post within one business day. If you pay on a Friday evening, the payment may not post until Monday. Check your account the next business day to confirm the payment went through.
What if I pay more than I owe?
If you overpay, Synchrony will hold the extra amount as a credit on your account. You can use the credit toward your next purchase or request a refund by calling customer service. Refunds typically take 5 to 7 business days to reach your bank account.
Can I change my payment due date?
Yes. Log into your Synchrony account, go to "Account Settings," and select "Change Due Date." Synchrony allows you to move your due date to a different day of the month. The change takes effect on your next statement.
What if I don't have an online account yet?
You can create one at Synchrony.com by entering your card number and billing zip code. You'll set up a username and password, and Synchrony will send a verification code to your email or phone. After you verify, you can log in and make a payment when ready.