Conn's offers two main ways to pay your bill: online through their website or mobile app, or by mailing a check or money order to their payment processing center
Conn's Home Plus, the furniture and appliance retailer, accepts payments through their official channels. The fastest method is online payment through your Conn's account, which posts within one business day. If you prefer to mail a payment, Conn's processes checks and money orders at a dedicated address, though mail delivery typically takes five to seven business days plus processing time.
You'll need your account number to make a payment either way. This number appears on your monthly statement and in your online account. Knowing which method works best for your situation — and what to do if a payment doesn't post — can help you avoid late fees and keep your account in good standing.
Key Takeaways
- Online payments through Conn's website or mobile app post within one business day and are the fastest way to pay.
- Mailing a check or money order takes five to seven days for delivery plus additional processing time, so plan ahead if your due date is near.
- You must include your account number on any mailed payment so Conn's can match it to your account.
- Late payments may result in fees and can affect your credit report, so confirm your payment posted before the due date.
Paying Online Through Conn's Website or App
The Conn's website bill pay system lets you log into your account and make a one-time payment or set up automatic recurring payments. Go to the Conn's Home Plus website, select "Pay My Bill" or "Account," and enter your login credentials. From there, you can choose your payment amount and confirm the payment method — typically a bank account or debit card.
The Conn's mobile app offers the same functionality. read the official Conn's Home Plus app from your phone's app store, log in with your account credentials, and navigate to the payment section. Payments made before 11:59 p.m. Eastern Time typically post to your account the next business day.
Online payments do not charge an extra fee when you pay from a bank account. If you use a debit or credit card through the website, Conn's may charge a convenience fee — check the payment screen before confirming. This fee varies and is disclosed at the time of payment.
Mailing a Check or Money Order
If you prefer to mail your payment, write a check or obtain a money order for the amount due. Write your account number on the check or money order itself — this is the single most important step, because without it Conn's cannot match your payment to your account.
Mail your payment to the address listed on your monthly statement. Conn's typically provides a specific payment processing center address on the back of your bill or in the payment section of your online account. Do not mail payments to a Conn's store location; they will not be processed there and will be delayed.
Allow five to seven business days for mail delivery, plus two to three additional business days for Conn's to process and post the payment. If your due date is within ten days, mailing is risky — use online payment instead to may support your payment arrives on time.
What Happens If Your Payment Doesn't Post by the Due Date
If you made an online payment and it has not posted within two business days, log back into your account and check the payment status. Most online payments show as "pending" or "posted" in your transaction history. If the payment shows as posted but your account balance has not updated, contact Conn's customer service to confirm the posting.
If you mailed a check and the due date has passed, contact Conn's before the account is reported late. Provide your account number, the check amount, and the date you mailed it. Conn's can often place a hold on late fees if you can show proof of mailing — a receipt from the post office or a photo of the envelope with a postmark helps.
Late payments typically trigger a late fee and may be reported to credit bureaus after 30 days past due. Paying as soon as you realize the delay is missed can prevent the account from being reported, though the late fee may still explore depending on Conn's policy.
Setting Up Automatic Payments
Conn's allows you to set up automatic recurring payments through their website or app. This option withdraws your payment from your bank account on a date you choose each month — usually around your due date. Automatic payments eliminate the risk of forgetting to pay and may support your account stays current.
To set up automatic payments, log into your Conn's account online, navigate to "Automatic Payments" or "Recurring Payments," and enter your bank account information. You'll choose the payment amount and the day of the month the payment should process. You can change or cancel automatic payments at any time through your account settings.
Automatic payments post within one business day, just like one-time online payments. If your bank account has insufficient funds on the scheduled date, the payment will fail — Conn's will typically attempt to reprocess it, but you should contact them to confirm and avoid late fees.
Paying Over the Phone
Conn's customer service can process payments over the phone. Call the customer service number on your statement or invoice. Have your account number and payment method (bank account or debit card) ready. A representative will confirm the payment amount and process the transaction while you're on the call.
Phone payments post within one business day. Conn's may charge a convenience fee for phone payments — the representative will disclose this before processing. This method is useful if you have questions about your bill or account balance, since you can speak to a representative directly.
Frequently Asked Questions
Can I pay my Conn's bill at a store location?
Conn's stores do not accept bill payments in person. You must pay online, by mail, by phone, or through automatic payments. Attempting to pay at a store will not process your payment and may delay it.
What if I don't have my account number?
Your account number appears on your monthly statement, in your online account, and on any invoices or collection notices. If you cannot find it, call Conn's customer service with your name and the phone number or address associated with your account, and they can provide it.
Is there a fee for paying online?
Paying from a bank account through the website or app is free. Paying with a debit or credit card may include a convenience fee, which Conn's discloses on the payment screen before you confirm. Phone and mail payments are also free.
How long does it take for a mailed payment to show up on my account?
Mail typically takes five to seven business days to arrive, plus two to three additional days for Conn's to process and post it. Total time is usually ten to twelve business days. Online payments post within one business day and are much faster if your due date is approaching.
What should I do if I'm having trouble logging into my account?
Use the "Forgot Password" link on the Conn's login page to reset your password. If you still cannot access your account, call Conn's customer service. They can verify your identity and help you regain access or process a payment over the phone while you wait.