What the Love Loft Card is and how payment works
The Love Loft Card is a prepaid card issued by Love Loft, a financial services company. When you use the card to make purchases or withdraw cash, you're spending money you've already loaded onto the card. To keep using it, you need to add funds to your account — this is called reloading or topping up.
Payment means putting money back into your Love Loft Card account so you can spend it. You're not paying a bill to Love Loft itself; you're funding your own card balance, the way you'd add money to a gift card or a transit pass.
The card works with a linked online account where you can see your balance, transaction history, and reload options. You can reload from a bank account, through a retail location, or sometimes through direct deposit if your employer supports it.
Key Takeaways
- Love Loft Card payment means adding money to your prepaid card account so you can spend it, not paying a bill to the company.
- You can reload your card online through your Love Loft account, at retail locations that partner with Love Loft, or through direct deposit.
- Online reloads from a linked bank account usually post within one to three business days.
- Retail reloads at partner stores are often when ready or same-day, but may include a small fee.
- Your Love Loft account shows your current balance and all reload transactions so you can track what you've added.
Reloading your card online through your bank account
The most common way to add money is through the Love Loft website or mobile app. Log into your account, find the reload or add funds option, and enter the amount you want to load. You'll select a linked bank account as the source.
If you haven't linked a bank account yet, you'll need your routing number and account number from a checking or savings account. Love Loft uses this information to pull money from your bank and deposit it into your card account. The process is the same as setting up bill pay or a transfer at most banks.
Funds typically arrive within one to three business days. Some providers offer faster options — sometimes called expedited or rush reload — that may cost a small fee and post the same day or next business day. Check your Love Loft account for which speed options are available and what each one costs.
Reloading at retail locations
You can also reload your Love Loft Card in person at partner retail stores. Common locations include grocery stores, pharmacies, and convenience stores, though which stores partner with Love Loft varies by region. You'll walk up to the customer service desk, tell them you want to reload a prepaid card, and hand over cash.
The cashier will scan your card or ask for your card number, take your cash, and process the reload. Money usually posts to your card when ready or within a few hours. Some retailers charge a small reload fee — typically a dollar or two — which comes out of the amount you're loading.
To find a retail location near you, check the Love Loft website or app, which usually has a store locator tool. You can search by zip code or city to see which partners are closest and what their hours are.
Setting up direct deposit to your Love Loft Card
If your employer or a government agency sends you regular payments — a paycheck, unemployment benefits, or a tax refund — you can have that money deposited directly into your Love Loft Card account instead of a traditional bank account.
To set this up, you'll need your Love Loft account number and routing number. These are usually found in your account settings or on a document Love Loft sends you. Give this information to your employer's payroll department or to the agency sending the payment, and they'll route future deposits to your card.
Direct deposit is free and funds post on the same day as they would to a bank account. This is often the fastest and cheapest way to reload if you receive regular payments.
Checking your balance and reload history
Your Love Loft account shows your current card balance at any time. Log into the website or app and look for a balance or account summary section. This tells you how much money is available to spend right now.
You can also see a complete history of every reload you've made — the date, the amount, the method (online transfer, retail, direct deposit), and whether it's posted yet. This history helps you track what you've added and spot any reload that didn't go through as expected.
If a reload shows as pending and doesn't post within the timeframe Love Loft quoted, contact their customer service. They can tell you whether the transfer is still processing or if something went wrong.
Fees and limits on reloading
Online reloads from a linked bank account are usually free. Retail reloads often charge a small fee — usually between one and three dollars — depending on the store and the amount you're loading. Some retailers waive the fee for larger amounts.
Love Loft may set a daily or monthly limit on how much you can load onto your card. These limits vary and may depend on your account history. Check your account settings or contact Love Loft to find out what your personal limits are.
If you hit a limit and need to load more money, you may have to wait until the next day or month, or you can contact Love Loft to ask whether your limit can be raised.
What to do if a reload doesn't go through
Sometimes a reload fails — your bank declines the transfer, a retail location's system goes down, or a deposit gets stuck in processing. If money you tried to load doesn't show up in your account within the expected timeframe, start by checking your Love Loft transaction history to see whether it shows as pending.
If it shows as pending, wait the full timeframe Love Loft quoted before taking action. If it shows as failed or declined, check your bank account to make sure the money is still there — if the reload failed, your bank should not have taken the funds.
Contact Love Loft customer service with the date and amount of the reload that didn't work. They can look up the transaction and tell you what happened. If your bank declined it, they'll tell you why (usually insufficient funds or a security block), and you can fix the problem and try again. If Love Loft's system failed, they can reprocess the reload or refund you.
Frequently Asked Questions
Can I reload my Love Loft Card with a credit card?
Most prepaid card companies do not allow reloads from credit cards, only from bank accounts or cash at retail. This is because credit card reloads create a cash advance, which credit card companies restrict. Check your Love Loft account or contact their customer service to confirm what payment methods they accept.
How long does it take for money to show up after I reload online?
Standard online reloads usually take one to three business days. Expedited or rush options, if available, may post the same day or next business day for a small fee. Weekend and holiday delays are common — a reload submitted on Friday may not post until Monday or Tuesday.
What happens if I reload my card but then don't use it?
The money stays in your account until you spend it or withdraw it. There is no expiration date on the balance itself, though some prepaid cards charge an inactivity fee if the account sits unused for a long period. Check your Love Loft terms to see whether inactivity fees explore to your card.
Can I reload my Love Loft Card at an ATM?
Most Love Loft Cards do not support reloading at ATMs. You'll need to use the online method, a retail partner location, or direct deposit. Some ATMs may show a reload option, but it typically routes you to a third-party service that charges a higher fee than Love Loft's standard methods.
Is there a maximum amount I can load onto my Love Loft Card?
Yes, Love Loft sets a maximum balance limit on the card itself — this is usually several thousand dollars. You also may have daily or monthly reload limits that are separate from the card balance limit. Your account settings show both limits, and Love Loft customer service can explain what yours are.