You can pay a Conn's bill by phone, mail, or in-store without creating or using an online account
Conn's Home Plus offers several ways to send a payment without logging into their website or mobile app. The fastest route is calling their payment line at 1-800-266-7000, where you can pay by phone using a debit card, credit card, or bank account. You can also mail a check or money order to the address printed on your bill, or walk into any Conn's store location and pay in person at the register.
Each method takes different amounts of time to post to your account. Phone payments usually show up within one business day. Mailed payments take seven to ten business days from when Conn's receives them, depending on mail delivery time. In-store payments post the same day or the next business day.
Key Takeaways
- Call 1-800-266-7000 to pay by phone with a debit card, credit card, or bank account without logging in.
- Mail a check or money order to the address on your bill; payments take seven to ten business days to post after Conn's receives them.
- Pay in person at any Conn's store location and your payment posts the same day or next business day.
- Have your account number from your bill or statement ready when you call or visit in person.
Paying by phone without an online account
Call Conn's customer service at 1-800-266-7000 to make a payment over the phone. You will need your account number, which appears on your bill or any statement Conn's has sent you. The representative will ask for payment information: either a debit card, credit card, or bank account details (routing number and account number for ACH payments).
Phone payments process within one business day. Conn's charges no fee for paying by phone. The call typically takes five to ten minutes. Customer service hours vary; check your bill or the Conn's website for current hours before calling.
Mailing a check or money order
Write a check or money order payable to Conn's Home Plus and mail it to the address printed on your bill statement. Include your account number on the check or money order so Conn's can match the payment to your account. Use the payment coupon from your bill if one was included, as it has your account number pre-printed.
Mail payments take seven to ten business days to post after Conn's receives the envelope. This timeline does not include the time your payment spends in the mail. Send your payment at least two weeks before your due date to avoid a late payment. There is no fee for paying by mail.
Paying in person at a Conn's store
Walk into any Conn's Home Plus location and ask to pay your account at the register. Bring your account number and a form of payment: cash, debit card, or credit card. The cashier will process your payment on the spot. In-store payments post to your account the same day or the next business day.
Conn's has hundreds of store locations across the United States. You can find the nearest store by searching online for "Conn's near me" or by checking the store locator on the Conn's website. There is no fee for paying in person.
What happens if you miss a payment
If your payment does not arrive by the due date on your bill, Conn's will report the late payment to credit bureaus after 30 days. A late payment can lower your credit score and may trigger a late fee on your account. Conn's may also charge interest on the unpaid balance if your contract includes it.
If you know you will miss a due date, call 1-800-266-7000 as soon as possible to discuss your options. Some customers are able to arrange a payment extension or a modified payment plan, though this depends on your account history and current balance. The sooner you contact Conn's, the more options you may have.
Understanding your Conn's bill and account number
Your Conn's bill statement shows your account number, current balance, minimum payment due, and due date. The account number is a series of digits unique to your account and is required for all payment methods except in-store payments (though you should still have it ready). Your bill also lists the mailing address for payments and the phone number for customer service.
If you have lost your bill or cannot find your account number, call 1-800-266-7000 and provide your name, address, and phone number. A representative can look up your account and give you the number. You can also visit a Conn's store in person and ask for your account information.
Frequently Asked Questions
Can I pay my Conn's bill with a credit card?
Yes, you can pay with a credit card by phone at 1-800-266-7000 or in person at a Conn's store. Some payment services that accept credit cards may charge a processing fee, but Conn's does not charge a fee for credit card payments made directly through their phone line or in store.
What if I pay by mail and my check gets lost?
If your mailed payment does not arrive within ten business days of when you sent it, contact Conn's at 1-800-266-7000. Have your check number and the amount ready. Conn's can check whether the payment was received and help you stop payment on the original check if needed.
Do I have to create an account to pay my bill?
No. You can pay by phone, mail, or in person without ever logging into an online account. You only need your account number and a payment method. Creating an online account is optional and is meant for customers who prefer to manage their account through a website or app.
How long does an in-store payment take to show up?
In-store payments typically post to your account the same day or the next business day. Phone and mail payments take longer — phone payments post within one business day, and mailed payments take seven to ten business days after Conn's receives them.