What to Do When You Can’t Pay Your Bill Me Later Bill
Bill Me Later is a virtual credit business started in 2000. In 2008, Paypal purchased Bill Me Later. Today, more than 1,000 merchants accept Bill Me Later payments. Customers receive a monthly invoice via mail or email, depending on the account used at sign-up. Payments are due monthly on the account like any other credit card, but no physical card is required as all purchases are made online through Bill Me Later merchants.
How to Pay the Bill
About two weeks after making your first Bill Me Later purchase, you will receive an invoice for the total amount owed. You can pay the minimum payment or the full purchase amount. There is a standard 19.9% APR on all purchases, so making minimum payments results in repaying a much higher amount then the original purchase.
Pay online: You can pay your Bill Me Later bill online at https://www.billmelater.com/login/index.xhtml. You must register for online account access. Bill Me Later accepts checking account and savings account payments only. You cannot make payment with credit or debit cards.
Pay by mail: Customers wishing to send a personal check or money order can address payments to:
Bill Me Later
PO Box 105658
Atlanta, GA 30348-5658
Pay by phone: Phone payments are accepted through an automated system at 1-866-528-3733. Checking and savings accounts are the only method of payment accepted by phone.
Pay with bank bill pay: You can use the mail payment address to send payment from your bank to Bill Me Later. There could be a significant delay so past due accounts should not use the banking bill pay option.
Questions About Your Billing Statement or Account?
The Bill Me Later service works like a credit card without access to a physical card. There are multiple fees associated with the service. The Frequently Asked Questions page talks about annual fees, APR and other billing questions. You can reach the customer service department at 1-866-528-3733.
How the Penalty Fees Work
Bill Me Later works just like a credit card without the credit card. Customers charge purchases and then pay the balance off over time. If payments are late or check payments are returned for lack of funds, penalty fees are charged to your Bill Me Later account.
- Late payment fee: If your balance is $25 or less, the late payment fee is $5. If you balance is more than $25, the late payment fee is up to $35.
- Returned payment fee: Bill Me Later will charge your account up to $35 for a returned payment.
I Can’t Make a Payment
If you can’t pay your Bill Me Later bill contact customer service immediately at 1-866-528-3733 or mail correspondence to:
Bill Me Later Correspondence
PO Box 2394
Omaha, NE 68103-2394
You can also send a secure email to Bill Me Later, but you must have online account access to send this email. Bill Me Later may have payment plans to address overdue or past due balances, but nothing about these programs is listed on the official website.
Will They Work With Me to Pay My Bill?
Have you used the Bill Me Later program to charge purchases and then found you charged too much? Let us know how customer service worked with you to resolve a past due balance.