Where to pay your Sears bill online
You can pay your Sears bill online through the official Sears website at sears.com, or through the Sears mobile app if you have a Sears credit card or Sears account. The website and app both let you log in with your account credentials and make a one-time payment or set up automatic payments.
If you have a Sears credit card issued by Citi (the current card issuer), you can also pay through Citi's website directly at citidebitservices.com. This route works if you prefer to manage your payment through the card issuer rather than Sears itself.
For store credit or layaway accounts, you'll need to use sears.com. The payment page will ask you to enter your account number, which appears on your bill or statement.
Key Takeaways
- Sears bills can be paid online at sears.com, through the Sears mobile app, or through Citi's website if you have a Sears credit card.
- You will need your account number and login credentials to pay online, both of which appear on your bill or statement.
- One-time payments and automatic recurring payments are both available through the Sears website.
- Payment processing typically takes one to two business days, so plan ahead if your due date is soon.
- If you cannot pay the full balance, contact Sears customer service to discuss payment options before your account falls behind.
Steps to pay through sears.com
Go to sears.com and select "Pay My Bill" or "Manage My Account" from the homepage. You may see this option in the top navigation menu or under a customer service section. Click it and you'll be asked to log in with your email address and password.
Once logged in, select the account you want to pay. If you have multiple Sears accounts (for example, a credit card and a store card), each will appear separately. Choose the one with the balance you want to pay down.
Enter the payment amount. You can pay the full balance, the minimum payment, or any amount in between. Review the amount before proceeding. Then select your payment method — debit card, credit card, or bank account — and enter those details.
Confirm the payment and you'll receive a confirmation number. Save or print this number for your records. The payment will post to your account within one to two business days.
Setting up automatic payments online
Automatic payments let you schedule a fixed amount to be withdrawn from your bank account or charged to a card on the same date each month. This can help you avoid late payments if you set the amount to at least the minimum due.
To set this up, log into your Sears account and look for "Automatic Payments," "Recurring Payments," or "Autopay" in the account settings or payment section. Select the account, choose your payment method, enter the amount and the date you want it to process each month, and confirm.
You can change or cancel automatic payments at any time by logging back into your account and editing the payment schedule. If you cancel, make sure you have another way to pay your bill so your account doesn't fall behind.
Paying through the Sears mobile app
Download the Sears app from the Apple App Store or Google Play Store. Open it and log in with your Sears account email and password. Tap "Pay My Bill" or a similar option in the menu.
Select the account you want to pay, enter the amount, choose your payment method, and confirm. The process is the same as on the website, and you'll receive a confirmation number when the payment goes through.
The app also shows your current balance, due date, and payment history, so you can check your account status anytime without logging into a computer.
Paying through Citi if you have a Sears credit card
If your Sears card is issued by Citi, you can pay at citidebitservices.com without going through Sears. Log in with your Citi online banking credentials or create an account if you haven't already.
Find your Sears card in your account list, select it, and choose "Make a Payment." Enter the amount and your payment method. Citi will process the payment and it will show up on your Sears account within one to two business days.
Paying through Citi's site does not change your due date or account terms — it's simply another way to send money to the same account. Use whichever site is more convenient for you.
What happens if you miss a payment or can't pay in full
If your payment is late, Sears will charge a late fee (the amount varies by account type and state) and may report the late payment to credit bureaus. This can lower your credit score. If you're more than 30 days late, Sears may freeze your account and stop allowing new purchases.
If you cannot pay the full balance or minimum payment by the due date, contact Sears customer service before the deadline. Explain your situation and ask whether they offer hardship programs, payment plans, or a temporary due date extension. Some accounts may may have access to, though this is not may provide.
Continuing to miss payments can lead to collections action, where Sears sells your debt to a third-party collector. At that point, you'll owe the collector instead of Sears, and the debt will remain on your credit report for seven years from the first missed payment.
Payment timing and processing
Payments made online typically process within one to two business days. If you pay on a Friday, the payment may not post until Monday or Tuesday. If your due date is coming up, pay at least two business days early to make sure the payment reaches your account on time.
Weekends and holidays can delay processing. If you're cutting it close to your due date, call Sears customer service at the number on your bill to confirm whether your payment will arrive in time.
Once a payment posts, your available credit (if you have a credit card) will increase and your balance will decrease. This usually shows up in your account within 24 hours of posting.
Frequently Asked Questions
Can I pay my Sears bill by phone instead of online?
Yes. Call the customer service number on your bill or statement and a representative can take your payment over the phone. You'll need your account number and a debit card, credit card, or bank account information. Phone payments process the same way as online payments and take one to two business days.
What should I do if my online payment doesn't go through?
Check your account to see if the payment posted. If it didn't, try again with the same payment method or use a different card or bank account. If you get an error message, note what it says and call Sears customer service. They can tell you whether the issue is with your payment method or your account.
Can I pay my Sears bill at a store?
Some Sears locations accept in-store payments, but this is not available everywhere. Call your local Sears store or check sears.com to see if this option is available near you. Online and phone payments are more widely available.
Do I have to pay the full balance or can I pay just the minimum?
You can pay any amount between the minimum and the full balance. However, if you pay less than the full balance, interest will accrue on the remaining amount (unless you have a promotional 0% offer). Paying the minimum keeps your account current but costs more in interest over time.
Is there a fee to pay my bill online?
No. Sears does not charge a fee for online payments made through sears.com or the Sears app. Paying by phone may have a fee depending on the payment method; ask the representative when you call.