Where to pay your Loveland water, electric, and sewer bill
The City of Loveland offers three main ways to pay your utility bill: online through their website, by phone, or in person at their office. The fastest and most convenient method is online payment through the city's billing portal, where you can set up a one-time payment or enroll in automatic monthly payments. You do not need to create an account to make a single payment — you can pay as a guest using your account number from your bill.
If you prefer to pay by phone, call the Loveland Utilities Department at (970) 962-2505 during business hours. A staff member can process your payment over the phone using a debit or credit card. For in-person payments, you can visit the Loveland City Hall at 500 East Third Street, Loveland, CO 80537, during regular business hours. The city also accepts payments by mail; your bill includes a return envelope with the mailing address.
Payment deadlines are printed on your bill. Late fees apply if your payment is not received by the due date. If you are having trouble paying your bill, contact the Utilities Department directly to discuss your options before your account falls behind.
Key Takeaways
- Online payment through the city's billing portal is the fastest option and does not require you to create an account.
- You can pay by phone at (970) 962-2505, in person at City Hall, or by mail using the envelope included with your bill.
- Automatic monthly payments can be set up online to avoid missing due dates.
- Late fees apply if payment is not received by the due date shown on your bill.
- Contact the Utilities Department before your account falls behind if you cannot pay on time.
Setting up automatic payments online
Automatic payments are the easiest way to ensure your bill is paid on time every month. Log into the city's billing portal using your account number and create a password. Once you are logged in, select the option to set up automatic payments and choose your payment method — debit card, credit card, or bank account.
You will need to provide your banking information or card details. The system will ask you to confirm the payment amount and the date each month when the payment should be withdrawn. Most residents choose the due date shown on their bill to avoid late fees. You can change or cancel automatic payments at any time through your online account.
Understanding your Loveland utility bill
Your bill shows charges for water, sewer, and stormwater services. The water charge is based on how many gallons you used during the billing period, measured in units called hundred cubic feet (HCF). One HCF equals about 748 gallons. The sewer charge is usually based on your water usage, since most water that enters your home leaves through the sewer system.
The stormwater charge is a flat fee that helps fund the city's stormwater management system. Your bill also lists any taxes or fees required by state or local law. The total amount due is clearly marked on the front of your bill, along with the due date. If you have questions about specific charges, call the Utilities Department at (970) 962-2505.
What to do if you cannot pay your full bill
If you are unable to pay your bill in full by the due date, contact the Utilities Department immediately at (970) 962-2505. The city may be able to work out a payment plan that allows you to spread the cost over several months. Payment plans must be arranged before your account is disconnected for non-payment.
The city also has a Low-Income Household Water Assistance Program that may help with water bills if you meet income requirements. You can ask the Utilities Department about this program when you call, or visit the city's website for more information about income limits and how to request assistance.
Avoiding late fees and service disconnection
Late fees are added to your account if payment is not received by the due date. The amount of the late fee is shown on your bill. If your account remains unpaid for a certain period, the city may disconnect your water service. Reconnection requires payment of the full balance plus a reconnection fee.
To avoid disconnection, pay your bill by the due date or contact the Utilities Department to arrange a payment plan before the deadline. If you have already received a disconnection notice, call the Utilities Department right away — they may be able to delay the disconnection if you are working on a payment arrangement.
Finding your account number and billing information
Your account number appears on the front of your bill, usually in the upper left corner. You will need this number to pay online, by phone, or to contact the Utilities Department with questions. If you have lost your bill or cannot locate your account number, call (970) 962-2505 and provide your address. A staff member can look up your account and provide the number.
You can also create an online account through the city's billing portal to view your current bill, payment history, and usage information. This is helpful if you want to track your water usage over time or check whether a payment has been processed.
Frequently Asked Questions
Can I pay my Loveland utility bill with a credit card?
Yes, you can pay with a credit card online, by phone, or in person. Online and phone payments accept Visa, Mastercard, American Express, and Discover. Be aware that the city may charge a convenience fee for credit card payments; check the billing portal or ask when you call for the current fee amount.
How long does it take for an online payment to show up on my account?
Online payments typically process within one to two business days. If you are paying close to the due date, pay several days early to ensure the payment arrives on time and avoids a late fee.
What happens if I pay my bill late?
A late fee is added to your account. If your bill remains unpaid for an extended period, the city may disconnect your water service. You will need to pay the full balance plus a reconnection fee to restore service.
Is there a way to reduce my water bill?
Your bill shows how many units of water you used. You can reduce your bill by using less water — fixing leaks, installing low-flow fixtures, and reducing outdoor watering are common ways to lower usage. Contact the Utilities Department if you notice a sudden spike in usage, as it may indicate a leak.
Can I dispute a charge on my bill?
If you believe a charge is incorrect, contact the Utilities Department at (970) 962-2505 with details about the charge. They can review your account and explain the charge or investigate if an error occurred.