Where and how to send your Loft credit card payment
Loft credit card payments go to Comenity Bank, the company that issues and manages the card on behalf of Loft. You can pay online through your Comenity account, by phone, by mail, or in some cases through automatic transfers from your bank account. The method you choose affects how quickly the payment posts and what information you need on hand.
Online payment through the Comenity website or mobile app is the fastest route — payments typically post within one business day. Phone payments take the same amount of time but require you to speak with a representative. Mail payments take seven to ten business days from the date you send them, so plan ahead if you are close to your due date. Automatic payments (also called autopay) remove the timing question entirely by charging your bank account on a date you set each month.
Key Takeaways
- Loft credit card payments are processed by Comenity Bank, not by Loft stores or the Loft website.
- Online and phone payments post within one business day, while mailed payments take seven to ten business days.
- You can set up automatic payments through your Comenity account to pay on the same date each month.
- Your payment due date appears on your monthly statement, and paying after that date triggers a late fee and interest charges.
Paying online through your Comenity account
Log in to your Comenity account at comenity.com or through the Comenity mobile app. From your account dashboard, select "Make a Payment" or "Pay My Bill." You will enter the amount you want to pay and choose the payment date. Comenity accepts payments from a U.S. bank account (checking or savings) at no charge.
If you do not have a Comenity account set up yet, you will need your Loft credit card number, Social Security number, and date of birth to register. Once your account is created, you can view your statement, check your balance, and set up automatic payments from the same login.
Paying by phone
Call Comenity's customer service line at the number on the back of your Loft credit card. Have your card number and the bank account you want to pay from ready. A representative will walk you through the payment amount and date. Phone payments are free and post within one business day, the same as online payments.
Phone lines are typically open during business hours, Monday through Friday. If you call outside those hours, you may reach an automated system that allows you to make a payment without speaking to a representative.
Paying by mail
Write a check or money order payable to Comenity Bank. Include your Loft credit card number on the check memo line so the payment reaches your account. Mail it to the address listed on your monthly statement — this address changes depending on which processing center handles your account, so always check your most recent bill.
Mail payments take seven to ten business days to post, which means you should send your payment at least two weeks before your due date to avoid a late fee. If you are paying close to the important date, online or phone payment is safer.
Setting up automatic payments
Log into your Comenity account and select "Autopay" or "Automatic Payments." You will choose the payment date (usually between the 1st and the 28th of each month) and the amount — either your full statement balance, a fixed dollar amount, or your minimum payment. Comenity will charge your bank account automatically on that date each month.
Automatic payments remove the risk of missing a due date, but you are responsible for making sure your bank account has enough funds on the payment date. If a payment fails due to insufficient funds, Comenity may charge a fee and report the missed payment to credit bureaus. You can change or cancel autopay at any time through your account settings.
What happens if you miss a payment
If your payment does not post by the due date shown on your statement, Comenity charges a late fee (the amount varies but is typically $25 to $40 for the first late payment) and begins charging interest on your balance at your card's regular APR. A payment that is 30 days late appears on your credit report and can lower your credit score.
If you realize you will miss a due date, contact Comenity before the important date. Some representatives can work with you on timing, though they are not required to waive fees. Paying as soon as possible after you miss the date limits the damage — the late fee is charged once, but interest continues to accrue on your unpaid balance.
Payment posting times and holds
Online and phone payments typically post within one business day, meaning the payment shows in your account and reduces your balance by the next day. Payments made after 11:59 p.m. Eastern Time may not post until the following business day. Weekends and federal holidays do not count as business days, so a payment made on Friday evening may not post until Monday.
Comenity does not place holds on payments the way some banks do — once the payment posts, it is final. If you need to confirm that a payment went through, log into your account and check your transaction history or call customer service.
Frequently Asked Questions
Can I pay my Loft credit card at a Loft store?
No. Loft stores do not process credit card payments. You must pay through Comenity Bank using one of the methods listed above: online, by phone, by mail, or through automatic payments.
What if I pay more than my statement balance?
The extra amount becomes a credit on your account. You can use that credit toward future purchases, or you can request a refund by calling Comenity. Refunds typically take five to seven business days to reach your bank account.
Is there a fee to pay my bill online or by phone?
No. Comenity does not charge a fee for online or phone payments. Mail payments are also free, though they take longer to post.
Can I change my automatic payment date if it does not work with my budget?
Yes. Log into your Comenity account and update your autopay settings to a different date between the 1st and 28th of each month. The change takes effect with your next scheduled payment.
What should I do if a payment was deducted from my bank account but does not show in my Comenity account?
Wait one business day — the payment may still be processing. If it does not appear after one business day, call Comenity with your payment confirmation number or bank transaction details. They can trace the payment and explore it to your account if there was a processing error.