Where to pay your City of Loveland bill
The City of Loveland offers three main ways to pay your water, wastewater, and stormwater bill: online through their website, by mail, or in person at City Hall. The online portal is the fastest option and lets you see your balance and payment history immediately. You can also set up automatic payments so the amount comes out of your bank account on a date you choose each month.
To pay online, go to the City of Loveland's utility billing website and log in with your account number (printed on your bill). If you do not have an online account yet, you can create one in a few minutes. Payments made online typically post within one business day.
If you prefer to mail a check, write your account number on the back and send it to the address listed on your bill. Mail payments take longer to process — usually five to seven business days — so send it early if your due date is coming up. Paying in person at City Hall, located at 500 E. Third Street, Loveland, CO 80537, is immediate, but you will need to go during business hours.
Key Takeaways
- Online payment through the City of Loveland's website is the fastest method and shows your balance right away.
- You can set up automatic monthly payments so you never miss a due date.
- Mailed checks take five to seven business days to clear, so send them well before your due date.
- In-person payment at City Hall (500 E. Third Street) is immediate but only available during business hours.
- Your account number, printed on your bill, is required for all payment methods.
How to read your City of Loveland utility bill
Your bill shows three separate charges: water, wastewater, and stormwater. Water is what comes into your home; wastewater is what leaves; stormwater covers the cost of managing rain runoff in the city. Each has its own usage amount and rate. The bill also lists any taxes or fees that apply to your account.
At the top of the bill, you will see your current balance and the due date. Below that is a breakdown of charges by service. Water and wastewater charges are based on how many gallons you used that billing period, measured by your meter. Stormwater is usually a flat fee based on the size of your property's impervious surface (roof, driveway, patio). Look for a section labeled "Usage" or "Consumption" to see how many gallons you were charged for.
If your bill seems higher than usual, check whether you used more water that month — a leak, a longer shower, or watering a lawn will show up as increased usage. The bill also shows your usage history for the past 12 months, so you can compare. If usage looks normal but the rate changed, the city may have adjusted its rates; the bill usually notes this.
Setting up automatic payments and online account access
Automatic payments remove the risk of forgetting a due date. To set one up, log into your online account on the City of Loveland's utility website, go to the payment settings, and choose the amount and date. You can change or cancel the automatic payment at any time. Most people choose a date a few days after they expect to receive their bill, so they have time to review the charges first.
Creating an online account also lets you view your bill as soon as it is issued, sometimes before the paper copy arrives. You can download past bills, check your payment history, and see your usage trends. If you move or change your name, you can update your account information online rather than calling the city.
If you forget your password, use the "Forgot Password" link on the login page. The city will send a reset link to the email address on file. Make sure the email address in your account is one you check regularly.
What to do if you cannot pay on time
If you know you will miss a due date, contact the City of Loveland's Utilities Department before the bill is late. They may be able to work out a payment plan or extend your due date. Waiting until after the due date passes makes it harder to negotiate and can result in a late fee or service disconnection notice.
The city's contact information is on your bill. Call the number listed under "Questions About Your Bill" or visit City Hall in person. Have your account number ready. Explain your situation — temporary job loss, medical emergency, or unexpected expense — and ask what options are available. Many utilities have hardship programs or can split a large bill into smaller payments over a few months.
If your service is disconnected for non-payment, you will need to pay the full past-due amount plus a reconnection fee to restore water. This fee varies but is typically $50 to $100. Reconnection can take a few days, so it is worth calling ahead to prevent a disconnection rather than waiting.
Understanding rate changes and billing adjustments
The City of Loveland adjusts its water, wastewater, and stormwater rates periodically — usually once a year or every few years. When rates change, the city notifies customers in advance, and the new rates appear on your next bill. The bill will note the effective date of the rate change. If you see a significant jump in your bill amount without a change in usage, a rate increase is likely the cause.
Billing adjustments can also happen if the city discovers a meter error or if you report a leak. If the city finds that your meter was reading incorrectly for several months, they may issue a credit or a charge to correct past bills. These adjustments are usually explained in a note on your bill or in a separate letter.
If you disagree with a charge or think there is an error, contact the Utilities Department in writing or by phone. Provide your account number, the billing period in question, and an explanation of the issue. The city will investigate and send you a written response.
Payment methods and fees
The City of Loveland does not charge a fee for online payments made through their official website. Some third-party payment processors may charge a small fee if you use their service instead, so stick with the city's own portal to avoid extra costs. Automatic bank payments (ACH) also have no fee.
Credit card payments may carry a processing fee — check the payment page before you submit. Mailed checks and in-person payments have no fee. If you use a payment service like a bill-pay app through your bank, that service may charge you, but the city itself does not.
Frequently Asked Questions
How do I find my account number?
Your account number is printed on your bill, usually near the top left or in the "Account Information" section. It is also in your online account if you have created one. If you cannot find it, call the City of Loveland Utilities Department — they can look it up by your address or phone number.
Can I pay someone else's bill for them?
Yes, you can pay another person's bill if you have their account number. Online, you enter the account number at checkout. By mail or in person, write the account number clearly on the check or tell the cashier which account you are paying. The payment will be applied to that account regardless of whose name the payment comes from.
What happens if I overpay my bill?
If you pay more than you owe, the extra amount becomes a credit on your account and will be applied to your next bill. You can also request a refund by contacting the Utilities Department, though processing a refund may take a few weeks. A credit is usually the simpler option.
Why is my stormwater charge the same every month?
Stormwater fees are based on the size of your property's impervious surface, not on how much water you use. The fee stays the same month to month unless your property changes (for example, if you add a patio). Water and wastewater charges vary with usage, but stormwater does not.
Can I set up automatic payments for a different amount each month?
Most automatic payment systems require a fixed amount each month. If your bill varies significantly, you can set the automatic payment to a lower amount and pay the difference manually when the bill arrives, or you can turn off automatic payments and pay manually each month. Contact the Utilities Department if you want to discuss a custom payment arrangement.