The fastest way to pay Old Navy is through their website or mobile app, where you can make a one-time payment or set up automatic payments from your bank account
Old Navy's bill pay system lets you pay your Old Navy credit card or store card directly through their website, their mobile app, or by phone. You can pay the full balance, a minimum payment, or any amount in between. Payments made online typically post to your account within one business day, though the exact timing depends on when you submit the payment during the day and your bank's processing speed.
If you prefer not to use the website or app, you can also mail a check or money order to the address printed on your bill. Mailed payments take longer to arrive and process — usually five to seven business days — so plan ahead if your due date is coming up.
Key Takeaways
- Online payments through Old Navy's website or app post within one business day and let you choose how much to pay.
- You can set up automatic payments so your bill is paid on the same date each month without you having to log in.
- Mailed payments take five to seven business days to process, so send them at least a week before your due date.
- Paying by phone requires you to speak with a customer service representative and provide your card and bank account details.
Paying online through Old Navy's website or app
To pay online, log into your Old Navy account on their website or open the Old Navy mobile app. Look for a "Pay Bill" or "Make a Payment" option in your account menu. You will need your bank account number and routing number, or you can use a debit card. Enter the amount you want to pay and confirm the payment method and date.
The app and website both show your current balance, minimum payment due, and due date before you submit. This is your chance to double-check the amount and make sure you are paying from the right account. Once you submit, you will see a confirmation number — save this in case you need to reference the payment later.
Payments submitted before 11:59 p.m. Eastern Time typically post the next business day. If you submit a payment after midnight or on a weekend, it will post on the following business day. Your bank may also hold the payment for a day or two on their end, so the money might not leave your account when ready even though Old Navy has received it.
Setting up automatic payments
If you want to stop logging in each month, you can set up automatic payments through your Old Navy account. Go to your account settings and look for "Automatic Payments" or "Autopay." You will choose a date each month when the payment should be taken from your bank account — many people choose the day after they get paid or a few days before the due date.
You can set it to pay your full statement balance, your minimum payment, or a fixed amount you choose. If you set it to pay the full balance, the payment amount will change each month based on what you owe. If you set a fixed amount, you will need to adjust it manually if your balance grows or shrinks significantly.
You can pause or cancel automatic payments at any time through your account settings. This is useful if you are having a month where you need to pay less, or if you want to switch to manual payments temporarily.
Paying by phone
To pay by phone, call the customer service number on the back of your Old Navy card or on your bill. A representative will ask for your card number, the amount you want to pay, and your bank account or debit card information. They will confirm the payment details before processing it.
Phone payments are processed the same way as online payments — they post within one business day. This method is slower than using the website or app because you have to wait to speak with someone, but it can be useful if you are having trouble with the website or if you prefer talking to a person.
Mailing a check or money order
The mailing address for Old Navy payments is printed on your bill statement. Write your account number on the check or money order so Old Navy can match it to your account. Mail it at least seven to ten days before your due date to account for mail delivery time and processing time on Old Navy's end.
Mailed payments are the slowest option because they have to travel through the postal system and then be opened and processed by hand. If your due date is within a week, do not rely on mailing a payment — use the website, app, or phone instead. If you are mailing a payment and your due date passes before it arrives, you may be charged a late fee, so keep your receipt or tracking number as proof of when you sent it.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date shown on your bill, Old Navy will charge a late fee. The amount varies, but late fees are typically $25 to $40 depending on your card terms. A late payment also gets reported to credit bureaus and can lower your credit score.
If you realize you will miss a due date, contact Old Navy's customer service right away. Some situations allow for a one-time courtesy extension or waived late fee, though this is not may provide. The sooner you call, the better your chances of working something out before the late fee is applied.
Choosing between payment methods
For most people, online payment through the website or app is the best choice because it is fast, free, and you can do it anytime. Automatic payments are best if you want to remove the task from your monthly routine and you have a steady income. Phone payments work if you need help or prefer speaking with someone. Mailing a check makes sense only if you do not have online access or a bank account linked to the internet.
The key is to choose a method you will actually use consistently. If you set up automatic payments and then forget about them, you might miss a change in your balance or a problem with your bank account. If you choose manual payments, pick a day each month when you remember to do it — many people tie it to when they check their other bills or when they get paid.
Frequently Asked Questions
How long does it take for an Old Navy payment to show up?
Online and phone payments post within one business day. Mailed payments take five to seven business days to arrive and be processed. Your bank may also hold the payment for a day or two before the money leaves your account, even though Old Navy has received it.
Can I pay Old Navy with a credit card instead of a bank account?
Yes, you can use a debit card or another credit card to pay your Old Navy bill through the website or app. You cannot pay with a credit card by mail, but you can pay by phone using a debit card or credit card.
What if I want to pay more than my minimum payment?
You can pay any amount you want, up to your full balance. Paying more than the minimum reduces the interest you pay and helps you pay off the card faster. You can do this through the website, app, or by phone.
Will I be charged a fee to pay my Old Navy bill?
No, Old Navy does not charge a fee for any of their payment methods — online, phone, or mail. The only fees you will face are late fees if your payment does not arrive by the due date.
Can I cancel an automatic payment if I need to skip a month?
Yes, you can pause or cancel automatic payments anytime through your account settings. You can turn it back on the next month, or you can switch to manual payments if you need more control over when payments are made.