How to Pay Your Conn's Bill Online and by Phone

What Conn's Bill Pay is and how to use it

Conn's bill pay is the online and phone system Conn's Home Plus uses to let you pay your store credit card bill. You can set up one-time payments, schedule recurring payments for future dates, and view your account balance and payment history. The system is free to use and available 24 hours a day through Conn's website or by calling their customer service line.

Conn's Home Plus is a retail chain that offers in-store credit cards for purchases. When you open an account, you receive a card you can use at Conn's locations. The bill pay system lets you manage that account from home instead of calling or visiting a store.

You do not need to set up a separate account or read an app to use bill pay — you log in with the same username and password you use for your Conn's credit card account online. If you have not created an online account yet, you will need to do that first before you can pay your bill.

Key Takeaways

• You can pay your Conn's bill online through their website or by phone at their customer service number, and payments are available 24 hours a day.
• One-time payments usually post to your account within one to two business days, though the exact timing depends on when you submit the payment.
• You can schedule payments in advance for future dates, which is useful if you want to make sure a payment goes through on a specific day.
• Conn's accepts payments from checking accounts, savings accounts, and debit cards, but the payment method you choose affects how quickly the payment posts.

How to pay online through Conn's website

Log in to your Conn's account at the main Conn's website using your username and password. Once you are logged in, look for a link labeled "Make a Payment" or "Pay My Bill" — the exact wording varies depending on which version of the website you see. Click that link to open the payment screen.

On the payment screen, you will see your current balance and the minimum payment due. You can choose to pay the full balance, the minimum amount, or any amount in between. Enter the amount you want to pay in the box provided.

Next, select your payment method. Conn's accepts payments from a checking account, savings account, or debit card. If you are paying from a bank account, you will need to enter your routing number and account number. If you are paying with a debit card, enter the card number, expiration date, and CVV (the three-digit code on the back). You can save this payment method to your account so you do not have to enter it again next time.

Review the payment details to make sure everything is correct, then click "Submit" or "Confirm Payment." You will see a confirmation number on the screen — write this down or take a screenshot. Conn's will also send a confirmation email to the address on file.

How to pay by phone

Call Conn's customer service at the number on the back of your credit card or on your billing statement. A representative will answer and ask you to verify your account information — usually your name, account number, and the last four digits of your Social Security number or date of birth.

Tell the representative you want to make a payment. They will ask how much you want to pay and what payment method you want to use. You can pay from a checking account, savings account, or debit card. If you choose a bank account, have your routing number and account number ready. If you choose a debit card, have the card number, expiration date, and CVV ready.

The representative will read back the payment details to confirm everything is correct before processing the payment. Ask for a confirmation number and write it down. The representative may also offer to email you a confirmation, or you can request one.

Payment timing and when money posts to your account

The timing of your payment depends on the payment method you choose and when you submit it. Payments made from a checking or savings account usually post within one to two business days. Payments made with a debit card may post the same day or within one business day, depending on the card issuer.

Payments submitted before 5 p.m. Eastern Time on a business day are usually processed that same day. Payments submitted after 5 p.m. or on a weekend or holiday are processed the next business day. Business days are Monday through Friday, excluding federal holidays.

Your due date does not change based on when you make the payment. If your bill is due on the 15th and you pay on the 20th, the payment will post on the 20th or 21st, but you will still be considered late. To avoid late fees, make sure your payment posts before your due date.

Setting up automatic or scheduled payments

If you want to make the same payment every month, you can set up an automatic payment through your online account. Log in, go to the payment section, and look for an option to "Set Up Automatic Payments" or "Schedule Recurring Payments." You will choose the amount, the payment method, and the day of the month you want the payment to go through.

Automatic payments will continue every month until you cancel them. You can change the amount or the date at any time by logging back into your account. If you want to stop automatic payments, log in and look for a "Manage Automatic Payments" or "Cancel Recurring Payment" option.

Scheduled payments are different from automatic payments — they are one-time payments you set up in advance for a specific date. You can schedule a payment for any future date, which is useful if you want to make sure a payment goes through on payday or on a specific day of the month. Scheduled payments do not repeat unless you set up a new one.

What to do if your payment fails or does not post

If your payment is rejected, you will usually see an error message on the screen or receive an email from Conn's explaining why. Common reasons include insufficient funds in your bank account, an incorrect routing number or account number, or a debit card that has expired or been reported as lost.

If a payment fails, try again with a different payment method or contact Conn's customer service to troubleshoot the problem. Do not assume the payment went through if you did not receive a confirmation number — always check your account balance or call to confirm before your due date passes.

If you submitted a payment and it has been more than two business days and the payment has not posted, contact Conn's customer service. Have your confirmation number ready. A representative can look up the payment in their system and tell you whether it is still processing or if there was a problem.

Frequently Asked Questions

Can I pay my Conn's bill at a store instead of online?

Yes. You can walk into any Conn's Home Plus location and make a payment at the customer service desk. Bring your credit card or account number and the payment method you want to use. In-store payments usually post the same day or the next business day.

What if I do not have a checking account or debit card?

Conn's bill pay requires either a bank account or a debit card. If you do not have either, you can pay in person at a Conn's store or call customer service to discuss other options. Some locations may accept other payment methods, so ask when you call.

Is there a fee to use Conn's bill pay?

No. Conn's does not charge a fee to pay your bill online or by phone. However, your bank may charge a fee if you use bill pay through your bank's system instead of Conn's system — check with your bank if you are unsure.

Can I pay someone else's Conn's bill?

No. Conn's bill pay only lets you pay the account that is registered to your name and Social Security number. If you want to pay someone else's bill, that person needs to log in and make the payment themselves, or you can call customer service and ask about authorized user options.

What happens if I pay more than I owe?

If you pay more than your current balance, the extra amount becomes a credit on your account. You can use that credit toward your next purchase or request a refund by calling customer service. Refunds usually take five to seven business days to appear in your bank account.