Loft's online bill pay system lets you make payments through their website or mobile app without calling or mailing a check
Loft, the women's apparel retailer, issues a co-branded credit card through Synchrony Bank. You can pay your Loft card bill online by logging into your account at Loft.com, through the Synchrony mobile app, or by visiting Synchrony's customer portal directly. The process takes a few minutes and lets you choose your payment amount and date.
Online payment is faster than mailing a check and gives you a record of the transaction immediately. You can set up one-time payments or recurring automatic payments if you want the same amount deducted each month.
Key Takeaways
- You can pay your Loft card through Loft.com, the Synchrony mobile app, or Synchrony's website at mysynchrony.com.
- Payments made online typically post within one to two business days, though the exact timing depends on when you submit them.
- You can set up automatic monthly payments so the same amount is deducted on the same date each month.
- If you miss a payment, your account will be reported to credit bureaus after 30 days past due, which affects your credit score.
Logging in to make a payment on Loft.com
Start by going to Loft.com and signing into your account using your email and password. Once you are logged in, look for a link labeled "Manage Your Card" or "Credit Card Account" — this is usually in the account menu or footer. Click through to your card details.
From there, you should see your current balance, minimum payment due, and a button to make a payment. Click it, enter the amount you want to pay, and choose your payment date. Loft will ask you to confirm the payment method on file (usually a bank account or debit card) before processing.
Using the Synchrony app or website
If you prefer not to go through Loft's site, you can manage your card directly through Synchrony, which is the bank that issued it. Download the Synchrony mobile app or visit mysynchrony.com and log in with your card number and password.
The Synchrony portal shows your full account history, credit limit, and interest rate. The payment process is the same: select the amount, choose the date, and confirm. Some people find Synchrony's interface clearer if they carry multiple store cards, since it displays them all in one place.
How long it takes for payments to post
Payments made online typically post to your account within one to two business days. If you submit a payment on a weekend or holiday, it may take longer. Synchrony counts the posting date from when they receive the payment, not when you submit it.
If your bill is due on a specific date and you are cutting it close, submit your payment at least two business days early to be safe. This gives you a buffer in case of processing delays and helps you avoid late fees.
Setting up automatic payments
Both Loft.com and Synchrony let you set up recurring payments that deduct the same amount on the same day each month. This is useful if you want to pay a fixed amount toward your balance automatically and avoid the risk of forgetting a payment.
To set this up, look for an option called "Automatic Payments," "Recurring Payments," or "AutoPay" in your account settings. You will choose the amount (your full balance, minimum payment, or a custom amount), the day of the month, and confirm your payment method. You can change or cancel automatic payments at any time through the same menu.
What happens if you miss a payment
If your payment is not received by the due date, Synchrony will charge a late fee. The amount varies but is typically $25 to $40 for the first late payment. After 30 days past due, Synchrony reports the missed payment to the three major credit bureaus — Equifax, Experian, and TransUnion — which lowers your credit score.
If you realize you will miss a due date, contact Synchrony as soon as possible. Some cardholders can negotiate a one-time waiver of the late fee if they have a good payment history. The sooner you call, the better your chances. You can reach Synchrony customer service at the number on the back of your card.
Payment methods and security
Loft and Synchrony accept payments from checking accounts, savings accounts, and debit cards. When you set up your payment method for the first time, you will need to provide your bank routing number and account number, or your debit card details.
Both platforms use encryption to protect your financial information. If you are concerned about security, you can also mail a check to the address listed on your statement, though this takes longer and gives you less control over the posting date.
Frequently Asked Questions
Can I pay my Loft card bill with a credit card?
No. Synchrony does not accept credit card payments for your Loft card bill. You must pay from a bank account or debit card. Paying a credit card bill with another credit card typically counts as a cash advance and incurs higher fees and interest.
What if I pay more than my balance?
If you send a payment larger than what you owe, Synchrony will credit the overage 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.
Is there a fee for paying online?
No. Synchrony does not charge a fee for online payments made through their website or app. Mailing a check is also free, but online payment is faster and gives you an immediate confirmation.
Can I change my payment date?
Yes. If you have set up automatic payments, you can log into your account and change the date anytime. The new date takes effect on your next scheduled payment. If you want to change your due date permanently, contact Synchrony customer service to discuss options.
What should I do if my payment doesn't post?
Check your account a few days after submitting the payment to confirm it posted. If it has not appeared after two business days, log back in and verify the payment went through. If you see an error message or the payment was rejected, try again with a different payment method or contact Synchrony customer service for help.