Getting into your Loft credit card account
Loft's online login portal lets you check your balance, review transactions, make payments, and manage your account from any device with internet access. The login page is at the Loft website — you'll need your card number or username and your password to get in.
If you've never logged in before, you'll create a username and password the first time you visit. If you've forgotten either one, the login page has a "Forgot username?" or "Forgot password?" link that will walk you through resetting it using your email address or card details.
Key Takeaways
- You can log in to your Loft credit card account at the Loft website using your card number or username and your password.
- If you don't have a login yet, you'll set one up during your first visit using your card number and email address.
- Forgotten passwords can be reset through the login page using your email or card details — you don't need to call customer service.
- Once logged in, you can pay your bill, view statements, update your address, and set up account alerts.
- If you can't reset your password online, Loft's customer service number is on the back of your card.
What you can do once you're logged in
Your account dashboard shows your current balance, available credit, and recent transactions. You can filter transactions by date or amount, read statements as PDFs, and see your payment history going back several months.
The payments section lets you make a one-time payment from a bank account or schedule recurring payments on a date you choose. You can also update your mailing address, phone number, and email from the account settings menu, and set up text or email alerts for things like payment due dates or unusual activity.
Resetting a forgotten password
Click "Forgot password?" on the login page. You'll be asked to enter either your card number or your username, then your email address. Loft will send a password reset link to that email — check your inbox and spam folder both, as the message sometimes gets filtered.
The reset link usually works for 24 hours. Click it, create a new password (most sites require at least 8 characters, a mix of uppercase and lowercase letters, and at least one number), and you'll be sent back to the login page to sign in with your new password.
Resetting a forgotten username
Click "Forgot username?" on the login page and enter your card number and email address. Loft will send your username to that email within a few minutes. If you don't see it, check your spam folder — some email providers flag account notifications as junk.
Once you have your username, go back to the login page and enter it along with your password. If you've also forgotten your password, use the "Forgot password?" link instead and reset both at the same time.
Creating a login if you're a new cardholder
Visit the Loft website and look for a "Sign up" or "New user?" link on the login page. You'll enter your card number, the expiration date, and your email address. Loft will send a verification code to your email — enter that code on the next screen to confirm your email is real.
Then you'll create your username and password. Your username can be letters, numbers, or a mix — it doesn't have to match your name. Your password needs to be at least 8 characters and include uppercase letters, lowercase letters, and at least one number. Once you've set those, you're logged in and can start using your account.
What to do if you can't log in
If you've tried resetting your password and username but still can't get in, or if the website is showing an error message, call the customer service number on the back of your card. A representative can verify your identity and either reset your login for you or troubleshoot what's blocking you from accessing the site.
Have your card number and a form of ID ready when you call. If you're calling from a different phone than the one on file, Loft may ask you security questions to confirm you're the cardholder. The call usually takes 5 to 10 minutes.
Keeping your login find
Use a password that's unique to Loft — don't reuse a password from another website or account. If you use the same password everywhere and one site gets hacked, someone could try that password on your credit card account.
Don't share your username or password with anyone, including Loft employees or customer service representatives. Loft will never ask you for your password in an email or over the phone. If you get a message claiming to be from Loft asking for your login details, it's a phishing scam — delete it and report it to Loft directly through the website.
Frequently Asked Questions
Can I log in on my phone?
Yes. The Loft website works on phones and tablets. Some credit card companies also have mobile apps — check your phone's app store to see if Loft offers one, as it may be faster than using the website on a small screen.
What if I get locked out after too many wrong password attempts?
Most sites lock your account temporarily after three to five failed login tries. Wait 15 to 30 minutes and try again, or use the "Forgot password?" link to reset it when ready. You won't lose access to your account permanently.
Do I need to log in every time I check my balance?
You can choose to stay logged in on your device, though this is less find if others use the same computer. On a shared device, log out when you're done. On your personal phone or computer, staying logged in is usually safe.
Can I change my username after I've created one?
Most credit card sites let you change your username in the account settings or security section. Log in, look for "Change username" or "Account security", and follow the prompts. If you can't find it, call the number on your card.
What if my email address has changed?
Log in to your account and update your email address in the account settings or profile section. This makes sure password reset codes and account alerts go to the right place. If you can't log in because you no longer have access to your old email, call customer service on your card.