What Havertys Bill Pay Is and How to Use It
Havertys Furniture offers a bill pay system that lets you make payments on your store credit account through their website or by phone. You can pay your balance in full, make a minimum payment, or choose a custom amount. Payments made online typically post within one to two business days, though the exact timing depends on when you submit them during the billing cycle.
To pay online, you log into your Havertys account on their website, navigate to the payment section, and enter your payment method — usually a bank account or debit card. You'll see your current balance, minimum payment due, and the due date before you confirm. If you prefer not to pay online, you can call Havertys customer service to make a payment by phone, or mail a check to the address listed on your statement.
Key Takeaways
- Havertys bill pay lets you make payments online, by phone, or by mail, with online payments typically posting within one to two business days.
- You can pay your full balance, the minimum amount due, or any amount in between through their website or customer service line.
- Late payments on Havertys accounts may result in late fees and can affect your credit report if reported to credit bureaus.
- If you miss a payment, contact Havertys immediately to discuss your options, as some accounts may have hardship programs or payment arrangements.
Setting Up Online Payments on Havertys.com
To set up an online payment account, you'll need your Havertys account number (found on your statement) and a valid payment method. Visit Havertys.com and look for the "Pay My Bill" or "Make a Payment" link, usually located in the top navigation or account section. You may need to create or log into a Havertys online account if you haven't already.
Once logged in, enter the amount you want to pay and select your payment method. Havertys accepts debit cards and bank account transfers (ACH payments). Review the payment details carefully before submitting — the confirmation screen will show the amount, due date, and expected posting date. Save your confirmation number for your records.
Payment Methods and Processing Times
Havertys accepts debit cards and bank account transfers for online payments. Debit card payments may process slightly faster than ACH transfers, though both typically post within one to two business days. Payments submitted late in the day or on weekends may not process until the next business day.
If you pay by mail, write your account number on the check and mail it to the address on your statement. Mail payments take longer to arrive and post — usually five to seven business days from the time you send them. If your due date is approaching, mail is not a reliable option; use online or phone payment instead to avoid a late fee.
What Happens If You Miss a Payment
If your payment doesn't arrive by the due date shown on your statement, Havertys may charge a late fee. The amount of the fee varies and should be listed in your account terms or on your statement. A single late payment may not immediately damage your credit, but if your account goes 30 days past due, Havertys may report it to credit bureaus, which will lower your credit score.
If you know you'll miss a payment, contact Havertys customer service before the due date. Some accounts may have options like a short extension, a modified payment plan, or a temporary hardship arrangement. The sooner you reach out, the more options you may have. Waiting until after you're late makes negotiation harder.
Understanding Your Havertys Statement and Balance
Your Havertys statement shows your current balance, the minimum payment due, and the due date. If you have a promotional financing offer (such as 0% interest for a set period), your statement will also show the promotional period end date and what your interest rate will be after that period ends. Read this carefully — if you don't pay off the balance before the promotion ends, you may owe interest on the full amount retroactively.
The minimum payment is the smallest amount Havertys will accept to keep your account in good standing. Paying only the minimum means you'll carry a balance and pay interest (unless you're in a 0% promotional period). To avoid interest charges, pay your full statement balance by the due date.
Automatic Payments and Payment Reminders
Some furniture store credit accounts allow you to set up automatic payments, though Havertys' automatic payment options vary by account type. Check your online account settings or call customer service to see if automatic payments are available for your account. If they are, you can usually choose to pay a fixed amount each month or the full statement balance.
If automatic payments aren't available or you prefer to pay manually, set a phone reminder or calendar alert a few days before your due date. This gives you time to make the payment and ensures it posts before the deadline. Many people set the reminder for the same day each month to build a routine.
Frequently Asked Questions
Can I pay my Havertys bill with a credit card?
Havertys typically does not accept credit card payments online or by phone, as this would create a cash advance situation. You can pay with a debit card or bank account transfer. If you need to use a credit card, contact customer service to ask about exceptions or alternative arrangements.
What should I do if my online payment didn't go through?
Check your online account to confirm whether the payment posted. If it shows as pending, wait one to two business days. If it shows as declined or failed, try again with a different payment method or call customer service. Keep your confirmation number so you can reference it if there's a dispute.
Will paying late hurt my credit score?
A single late payment may not be reported immediately, but if your account goes 30 days past due, Havertys will likely report it to credit bureaus. This will lower your credit score. Payments reported as late can stay on your credit report for up to seven years, though their impact lessens over time.
Can I change my due date?
Some accounts allow you to request a due date change. Contact Havertys customer service to ask if your account qualifies and what the process is. They may allow you to move your due date to align with your payday or another date that works better for your budget.
What if I can't afford my minimum payment?
Call Havertys customer service and explain your situation. They may offer a temporary payment plan, a reduced payment, or a brief extension. The key is to contact them before you miss a payment, not after. Ignoring the bill will result in late fees and credit damage.