Where to send your Loft credit card payment

Loft credit card payments go to Synchrony Bank, the company that issues and manages the card on behalf of Loft. You do not send payment to Loft itself. Synchrony processes all payments, tracks your balance, and reports your payment history to credit bureaus.

You have three main ways to pay: online through your Synchrony account, by phone, or by mailing a check. The online method is fastest and gives you when ready confirmation. Phone payments take a few minutes and require your card number and bank details. Mailed checks typically arrive within 5 to 7 business days, depending on postal service and Synchrony's processing time.

Your payment due date appears on your monthly statement. Synchrony considers a payment on time if it arrives by 5 p.m. Eastern Time on that date. If you pay after 5 p.m. or on a day Synchrony's systems are closed, the payment posts the next business day.

Key Takeaways

  • Synchrony Bank receives and processes all Loft credit card payments, not Loft itself.
  • Online payments through your Synchrony account post the same day and carry no fee.
  • Phone payments and mailed checks are accepted but take longer to post to your account.
  • Your payment due date is printed on your statement, and late fees explore if payment arrives after that date.
  • Setting up automatic payments prevents missed due dates and keeps your account in good standing.

Paying online through Synchrony

Log into your Synchrony account at Synchrony.com or through the Synchrony mobile app. Click "Make a Payment" or "Pay Now" — the exact wording depends on which platform you use. Enter the amount you want to pay: you can pay the full balance, the minimum payment, or any amount in between.

Choose your payment method. Synchrony accepts payments from a checking or savings account (called an ACH transfer) at no charge. You will need your bank's routing number and your account number. If you do not have these, check a blank check or call your bank. Synchrony also accepts debit card payments, though some banks charge a fee for this option.

Review the payment details and confirm. Synchrony will show you when the payment will post — usually the same business day if you pay before the cutoff time. You will receive a confirmation number when ready. Save this number in case you need to reference the payment later.

Paying by phone

Call Synchrony's customer service line at the number on the back of your Loft credit card. Have your card number and a checking or savings account number ready. A representative will ask you to confirm your identity, then walk you through the payment amount and payment method.

Phone payments are free when you pay from a bank account. Synchrony will tell you the exact date the payment will post. If you call after business hours, you can leave a payment request, but it will not process until the next business day. Ask the representative for a confirmation number before you hang up.

Paying by mail

Write a check payable to Synchrony Bank. Include your Loft credit card account number on the check itself — write it in the memo line. Mail the check to the address printed on your statement under "Payment Address" or "Send Payment To." Do not mail payment to a Loft store location.

Mailed payments take 5 to 7 business days to arrive and post. Synchrony considers the payment on time if it is postmarked by your due date, not if it arrives by your due date. If your due date is approaching and you are mailing a check, use a faster mailing method or pay online instead to avoid a late fee.

Setting up automatic payments

Automatic payments remove the risk of missing a due date. Log into your Synchrony account, go to "Manage Automatic Payments," and select the amount you want to pay each month: minimum payment, full statement balance, or a fixed amount you choose. Select the date you want the payment to come out — Synchrony recommends a date before your due date to give yourself a buffer.

Synchrony will deduct the payment from your bank account on that date each month. You can change or cancel automatic payments anytime through your account. If your balance drops to zero, Synchrony will skip that month's automatic payment. You will receive a confirmation email each time a payment processes.

What happens if your payment is late

A payment is late if it does not post by 5 p.m. Eastern Time on your due date. Synchrony will charge a late fee — the amount depends on your account terms but typically ranges from $25 to $40 for the first late payment. A second late payment in the same billing cycle may result in a higher fee.

Late payments also trigger a higher interest rate on your balance, called a penalty APR. This rate applies to new purchases and your existing balance. The penalty APR stays in place for at least six months, even if you pay on time after that. Synchrony will remove the penalty rate only if you make six consecutive on-time payments.

Late payments are reported to credit bureaus and will lower your credit score. The damage is worst in the first 30 days after the due date. A payment 30 days late stays on your credit report for seven years.

Disputing a payment or fixing a posting error

If you paid but the payment did not post, or if you see a payment posted twice, contact Synchrony when ready. Call the number on the back of your card or log into your account and start a chat with customer service. Have your confirmation number ready if you paid online or by phone.

Synchrony will investigate and tell you the status of the payment. If the payment was sent from your bank but has not reached Synchrony yet, they can tell you when to expect it to post. If there was a duplicate posting or an error on Synchrony's end, they will correct it within one to two business days. Ask for a reference number for the dispute so you can follow up if needed.

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 Synchrony Bank online, by phone, or by mail. Paying at a store will not be applied to your account.

Is there a fee to pay online?

No. Paying online from a bank account through Synchrony's website or app is free. Debit card payments may carry a fee depending on your bank's policy, so check before you choose that method.

How long does it take for a payment to show up?

Online and phone payments post the same business day if you pay before the cutoff time (usually 5 p.m. Eastern). Mailed checks take 5 to 7 business days. Synchrony considers mailed payments on time if postmarked by the due date, not if they arrive by the due date.

What if I pay more than I owe?

Synchrony will hold the overpayment as a credit on your account. You can use it toward future purchases, or request a refund by calling customer service. Refunds typically take 3 to 5 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 any day of the month. The change takes effect on your next billing cycle.