Pay your Ginny’s credit bill quickly and securely with official methods. Manage your Buy Now, Pay Later account for home goods and more.
- Pay Ginny’s Bill Online – My Account Login (Register or log in to pay, view balance, and set up Auto Pay)
- Ginny’s Customer Service & Payments – Call for phone payment assistance
How to Pay Your Ginny’s Bill
Ginny’s offers flexible credit for cookware, bedding, furniture, and home products. Once you receive your monthly billing statement, you can pay using online, phone, or mail options. Timely payments help build your credit history and may qualify you for limit increases.
Login to Pay or Guest Pay
Log in to your My Account at Ginny’s to:
- View your current balance and credit limit
- Make a one-time payment
- Enroll in automatic payments (Auto Pay)
- Sign up for e-statements
New users can register easily with their email and account details. There is no dedicated guest pay portal; payments require logging into or creating a My Account.
Access: Ginny’s My Account Login
Pay by Phone
Call 800-585-1666 to make a payment using the automated voice-response system or speak with a credit representative.
For general customer service:
Customer Service: 866-239-1987 or 800-282-3829
Hours: Monday–Friday, 8:00 a.m. to midnight Central Time
Payment Address (Mail)
Mail your payment (check or money order) to the address printed on the payment stub of your monthly bill. Include the remittance stub for proper processing. Allow 7–10 days for delivery.
For written correspondence regarding billing disputes or errors:
Ginny’s Credit
1112 7th Avenue
Monroe, WI 53566-1364
In-Person or Pay in Store
Ginny’s does not offer in-person or retail store payment locations. All payments must be made online, by phone, or by mail.
Ginny’s Mobile App & Payment Assistant
Ginny’s does not currently offer a dedicated mobile app. Use the responsive My Account portal on your mobile browser to pay bills, manage Auto Pay, view statements, and check your account anytime.
Enroll in automatic payments through My Account to ensure on-time payments and avoid late fees.
Fees and Late Payments
- No annual fee on Ginny’s credit accounts.
- Late payment fee: Assessed if the full Minimum Payment Due is not received by the due date. The fee varies by state and balance (typically $10–$15, not to exceed the minimum payment due).
- Returned payment fee: Up to $25 depending on your state.
- Minimum Payment Due: Includes your Minimum Monthly Payment (based on your Highest New Balance) plus any past due amounts. Pay at least this amount each month to avoid late charges and account restrictions.
- Late or missed payments may affect your credit score and could lead to account acceleration or collection actions.
To avoid fees, enroll in Auto Pay or pay early.
Contact Ginny’s
- Customer Service: 866-239-1987 (8am–midnight CT, Mon–Fri) or 800-282-3829
- Credit / Payment Line: 800-585-1666
- Mailing Address: 1112 7th Ave, Monroe, WI 53566-1364
- Email: Use the Contact Form
- Official Website: www.ginnys.com
Frequently Asked Questions
How do I pay my Ginny’s bill online?
Log in to My Account at ginnys.com. Once signed in, you can view your balance and make a payment. You can also enroll in automatic payments and e-statements.
How can I make a payment on my Ginny’s credit account?
You can pay online via My Account, by mail using the stub and envelope provided with your statement, or by phone at 800-585-1666.
What is the phone number to pay my Ginny’s bill?
Call 800-585-1666 for the automated payment system or to speak with a credit representative. General customer service is available at 866-239-1987.
Where do I mail my Ginny’s bill payment?
Mail payments to the address shown on the payment stub of your monthly statement. Include the remittance stub. For disputes, use 1112 7th Avenue, Monroe, WI 53566-1364.
How do I avoid late fees on my Ginny’s bill?
Pay at least the Minimum Payment Due by the due date each month. Enroll in automatic payments through My Account for the best protection against late fees.
Does Ginny’s offer Auto Pay for bills?
Yes. Log in to My Account to enroll in automatic payments. This service drafts your Minimum Payment Due (or more) each month on the due date.
What happens if I make a late payment to Ginny’s?
A late payment fee will be assessed (varies by state). Late payments may also impact your credit history and future credit limit increases.
How does Ginny’s billing work?
Your first statement is sent within five days of shipping. Payments are due on the same date each month (about 30 days after the statement date). Minimum payments are calculated based on your Highest New Balance.
Information updated as of April 2026 from official Ginny’s sources. Always verify details directly on ginnys.com for the most current information.
