Paying your Loft Mastercard bill through the card issuer's website or by mail
Loft Mastercard is issued by Comenity Capital Bank. To pay your bill, you log into your account on Comenity's website or call their customer service line — you do not pay through Loft's retail website. Comenity handles all billing, payments, and account management for this card.
You have three main payment methods: online through your Comenity account, by phone with a customer service representative, or by mailing a check to the address printed on your statement. Online payment is the fastest and most common route. Payments made online typically post to your account within one business day.
If you set up automatic payments, Comenity will withdraw your chosen amount on a date you select each month. You can choose to pay your full balance, a fixed dollar amount, or just the minimum payment due. Automatic payments reduce the risk of missing a due date, though you should still monitor your account to catch any errors.
Key Takeaways
- Log into your account at Comenity's website or call their customer service number to make a payment — the Loft retail site does not process payments.
- Online payments typically post within one business day, while mailed checks take seven to ten business days depending on mail delivery and processing time.
- You can set up automatic monthly payments for your full balance, a fixed amount, or the minimum due to avoid late fees.
- Your payment due date and minimum payment appear on your monthly statement; paying at least the minimum by that date keeps your account in good standing.
- Late payments trigger a fee and may raise your interest rate, so set a reminder if you do not use automatic payment.
How to access your Comenity account and make an online payment
Visit Comenity Capital Bank's website and select the option to log in or register. If this is your first time, you will need to create a username and password using your card number and other identifying information from your statement. Once logged in, you will see your account balance, due date, and recent transactions.
To make a one-time payment, select "Make a Payment" or similar wording in your account menu. Enter the amount you want to pay and the date you want it to post. Comenity will show you a confirmation screen with the payment details before you submit. After you confirm, you will receive a confirmation number — save this for your records.
If you want to set up automatic payments instead, look for "Autopay" or "Automatic Payments" in your account settings. You will choose the payment amount (full balance, fixed dollar amount, or minimum), the day of the month it should process, and your bank account information. Automatic payments begin the month after you set them up.
Paying by phone or mail if you cannot pay online
To pay by phone, call the customer service number on the back of your Loft Mastercard or on your statement. A representative will ask for your account number and the amount you want to pay. They can process the payment immediately using your bank account information or debit card. Phone payments post within one business day, the same as online payments.
To pay by mail, write a check for the amount due and mail it to the address shown on your statement under "Payment Address." Do not mail a check to a Loft store or to Loft's corporate office — it will be delayed or lost. Include your account number on the check so Comenity can match it to your account. Mailed payments take seven to ten business days to post, so mail your check at least ten days before your due date to avoid a late fee.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date shown on your statement, Comenity will charge a late fee. The amount of the fee depends on your account terms, but it typically ranges from $25 to $40 for the first late payment. A second late payment in the same billing cycle may trigger a higher fee.
A late payment also affects your interest rate. If you carry a balance, Comenity may increase your APR (annual percentage rate) after a payment is 60 days late. This higher rate applies to new purchases and any remaining balance. Paying on time is the most direct way to keep your rate stable and avoid fees.
If you are having trouble making a payment, contact Comenity before your due date. They may be able to discuss a payment plan or temporary adjustment, though this depends on your account history and their policies at the time you call.
Setting up payment reminders and tracking your due date
Your statement arrives each month and shows your due date, minimum payment, and current balance. If you do not receive a paper statement, you can view this information by logging into your Comenity account online. Mark your calendar or set a phone reminder for at least three days before your due date if you are paying by mail, or one day before if you are paying online.
Many banks and credit card issuers allow you to set up email or text alerts when your statement is ready or when your payment is due. Log into your account settings on Comenity's website to see what notification options are available. These alerts are free and can help you avoid missing a due date by accident.
Understanding your statement and payment terms
Your Loft Mastercard statement shows your opening balance, all purchases and credits during the month, your closing balance, minimum payment due, and due date. It also lists your current APR and any fees charged during the billing period. Review your statement each month to catch any unauthorized charges or errors.
The minimum payment is the smallest amount you can pay to keep your account in good standing. Paying only the minimum means you will carry a balance and pay interest on it. If you want to avoid interest charges, pay your full closing balance by the due date. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster.
Frequently Asked Questions
Can I pay my Loft Mastercard through the Loft website or in a store?
No. Loft Mastercard is issued by Comenity Capital Bank, which handles all payments. You must pay through Comenity's website, by phone, or by mail. Loft stores do not process payments for this card.
How long does it take for my payment to show up after I pay online?
Online payments typically post within one business day. If you pay on a weekend or holiday, it may take until the next business day. Check your account the next day to confirm the payment posted.
What should I do if I cannot pay my full balance by the due date?
Pay at least the minimum amount shown on your statement to avoid a late fee and keep your account in good standing. You can pay the rest later, though you will owe interest on the remaining balance. If you are struggling to pay, call Comenity before your due date to discuss options.
Can I change my automatic payment amount or date after I set it up?
Yes. Log into your Comenity account and go to your autopay settings. You can change the amount, the date, or turn off automatic payments at any time. Changes take effect the next billing cycle.
What if I pay too much by accident?
If you overpay, Comenity will credit the extra amount to your account. You can use that credit toward future purchases, or you can request a refund by calling customer service. Refunds typically take five to seven business days to appear in your bank account.