Where to pay your Old Navy bill
You can pay your Old Navy bill online through the Old Navy website or the Old Navy mobile app. Both routes take you to the same payment system and process your payment the same way.
To pay on the website, go to oldnavy.com, sign into your account, and look for a link labeled "Pay Bill" or "Make a Payment" — usually found in the account menu or under a "Billing" section. On the mobile app, the payment option is typically on the home screen or in your account settings. You will need your account number and the amount you want to pay.
If you do not have an online account yet, you can create one using your email address and the account number from your bill. You do not need an account to make a one-time payment; some payment systems let you pay by account number alone, though you may be asked to verify your identity with a zip code or last four digits of your Social Security number.
Key Takeaways
- Old Navy bills can be paid through oldnavy.com or the Old Navy mobile app using your account login or account number.
- Payment by mail, phone, or automatic bank transfer are also available if you prefer not to pay online.
- Online payments typically post to your account within one to three business days, though the timing depends on your bank.
- If you miss a payment, Old Navy will report it to credit bureaus after 30 days, which can lower your credit score.
- Setting up automatic payments can help you avoid late fees and missed payments, though you can change or cancel the arrangement anytime.
Payment methods and processing time
When you pay online, you can use a debit card, credit card, or bank account. Old Navy does not charge a fee for online payments made with a debit card or bank account, but using a credit card may trigger a cash advance fee from your credit card issuer — check your card's terms first.
Payments made before 11:59 p.m. Eastern Time on a business day usually post the next business day. Payments made on weekends or holidays post on the next business day after that. The exact timing also depends on your bank; some banks hold payments for a day or two before releasing the funds to Old Navy.
If you need your payment to reach Old Navy by a specific date — for example, to avoid a late fee — plan to submit it at least two business days before that date. This gives your bank time to process it and Old Navy time to receive and record it.
Setting up automatic payments
Old Navy lets you set up automatic monthly payments from your bank account or debit card. You can choose to pay your full statement balance, a fixed dollar amount, or just the minimum payment each month. To set this up, log into your account online, find the autopay or automatic payment section, and enter your bank or card details.
Automatic payments remove the risk of forgetting a due date, but they do not stop interest charges or late fees if your payment is less than what you owe. If you set autopay to the minimum payment, you will still carry a balance and pay interest on it. You can change or cancel automatic payments anytime through your account settings — you do not need to call or email.
If a scheduled automatic payment fails — for example, because your bank account has insufficient funds — Old Navy will usually try again a few days later. If it fails a second time, you will need to make a manual payment to avoid a late fee.
What happens if you miss a payment
Old Navy charges a late fee if your payment arrives after the due date shown on your bill. The fee amount varies but is typically $25 to $40 depending on your account history. You will also start paying interest on your balance at the rate listed in your card agreement, usually between 18% and 29% annually.
If your payment is 30 days late, Old Navy reports the missed payment to the three major credit bureaus — Equifax, Experian, and TransUnion. This appears on your credit report as a 30-day late payment and can lower your credit score by 50 to 100 points or more, depending on your current score and payment history. The late payment stays on your report for seven years.
If your account reaches 60 days late, the situation worsens: the late fee may increase, your interest rate may jump to a penalty rate (sometimes 29.99%), and the account may be flagged for collections. At 180 days late, Old Navy may charge off the account, meaning they write it off as a loss and sell the debt to a collection agency.
Other ways to pay if you cannot pay online
If you do not have internet access or prefer not to pay online, you can pay by phone by calling the customer service number on the back of your Old Navy card. A representative will take your payment information and process it over the phone. This method works the same way as online payment — it posts within one to three business days and has no additional fee.
You can also pay by mail by sending a check or money order to the address listed on your bill. Write your account number on the check or money order. Mail payments take longer to arrive and post — typically five to seven business days from the time you mail it — so send it well before your due date to avoid a late fee.
Some Old Navy stores accept in-person payments at the register, though this is not available at all locations. Call your local store to ask whether they offer this service. In-person payments are recorded immediately but may take a day or two to post to your online account.
Understanding your Old Navy bill
Your Old Navy bill shows several key pieces of information: your statement balance (what you owe), your minimum payment (the smallest amount you can pay), and your due date (when payment must arrive to avoid a late fee). It also lists your credit limit, available credit, and interest rate.
The statement balance includes new purchases made during the billing period plus any balance you carried from the previous month, minus any payments or credits. If you carried a balance, interest has been added to it. The minimum payment is usually 1% to 3% of your statement balance, plus any fees and interest.
Paying only the minimum means you will carry a balance and pay interest every month. If you owe $1,000 and pay only the minimum, it can take years to pay off and cost hundreds of dollars in interest. Paying the full statement balance each month avoids interest charges entirely.
Troubleshooting payment problems
If your online payment is rejected, the most common reason is that your card or bank account information is outdated or incorrect. Double-check the card number, expiration date, and CVV (the three-digit code on the back). If you recently changed banks or got a new card, update your payment method in your account settings before trying again.
If your payment shows as pending but does not post after three business days, contact Old Navy customer service. Provide your account number and the date and amount of your payment. They can look up the transaction and tell you whether it is still processing or whether there was a problem.
If you paid online but your account still shows a late fee, the payment may not have posted in time. Late fees are usually removed if you can show proof that you submitted payment before the due date. Call customer service with your confirmation number or receipt, and ask them to review the timing.
Frequently Asked Questions
Can I pay my Old Navy bill with a gift card?
No, you cannot use an Old Navy gift card to pay your bill online or by any other method. Gift cards can only be used to purchase merchandise in stores or on the website. To pay your bill, you must use a debit card, credit card, or bank account.
What if I pay more than I owe?
If you overpay, the extra amount becomes a credit on your account. Old Navy will apply it to your next statement balance automatically. If you want a refund instead, call customer service and request one — they can send it to your original payment method or issue a check.
Do I get a receipt when I pay online?
Yes. After you submit your payment, you will see a confirmation number on the screen. Save or print this confirmation. You can also log back into your account anytime to view your payment history and see which payments have posted.
Can I change my due date?
Old Navy does not let you change your due date through the website or app. If you want to request a different due date, call customer service. They may be able to adjust it, though approval depends on your account history and the reason for the request.
What happens if I pay late but then catch up?
Catching up on a late payment stops future late fees and prevents further damage, but it does not remove the late payment from your credit report. The late payment stays on your report for seven years, though its impact on your credit score decreases over time as you make on-time payments.