Loveland Utilities: Pay Bill, Login & Phone 2026
City of Loveland Utilities • Loveland, Colorado
If you are trying to pay a City of Loveland Utilities bill, sign in to My Account, make a no-login payment, report a power outage or move utility service, the fastest route depends on the task. Utility Billing handles account and payment questions at 970-962-2111, while electric and water emergencies use separate numbers.
Two 2026 changes are especially easy to miss: Loveland now charges a 2.85% service fee on credit and debit card payments, and mailed utility payments use a Dallas, Texas processing address rather than the Civic Center address.
Loveland Utilities Quick Answers
Use the City’s My Account portal and select Quick Pay. An e-check is free; credit and debit card payments carry the current 2.85% processor fee.
The City currently lists e-check and AutoPay from checking or savings as no-fee payment options.
Loveland asks customers to contact Utility Billing at least one business day before a scheduled shut-off when requesting an extension or payment arrangement.
How to Pay a City of Loveland Utilities Bill
Loveland’s payment methods are straightforward, but the fee depends on how you pay. Since June 1, 2026, Paymentus adds a 2.85% service fee to debit and credit card payments. The City says that fee is collected by the processor, not retained by Utility Billing.
| Method | Login needed? | 2026 fee information | Best use |
|---|---|---|---|
| Quick Pay | No | e-Check: free; card: 2.85% | Paying without opening the full account dashboard |
| My Account payment | Yes | e-Check: free; card: 2.85% | Checking balance and account details before paying |
| AutoPay | Yes | Checking/savings: no City service fee | Recurring monthly payments |
| Phone | No web login | e-Check: free; card: 2.85% | 24/7 automated payment through 970-962-2111, option 1 |
| No | Normal bank/check costs only | Non-urgent check payments | |
| Drop box | No | No card-processing fee | Check payment at the Civic Center; never place cash in the box |
After opening the official payment page
- Choose AutoPay, online payment, phone, mail, drop box or in-person payment.
- If paying online, follow the City’s My Account route.
- Use e-check if you want the City’s currently listed no-fee one-time electronic option.
- If paying by card, review the 2.85% Paymentus fee before submitting.
- Keep the payment confirmation until the transaction appears correctly on your utility account.
Quick Pay Without Logging In
Quick Pay is useful when you have the utility account number but do not need to open the full account dashboard. Loveland’s current instructions say to start at My Account and choose Quick Pay.
After opening My Account
- Select Quick Pay if you only need to make a payment without logging in.
- Have the City utility account number ready.
- Enter the requested payment and contact information.
- Review the payment method and any processor fee.
- Submit once and retain the confirmation.
Loveland Utility Payment Mailing Address
P.O. Box 202152
Dallas, TX 75320-2152
Drop Box and Walk-In Payment
Loveland, CO 80537
Payments are collected daily. Do not place cash in the drop box.
Loveland, CO 80537
The City’s Payment Options page currently lists walk-in payment hours as Monday-Friday, 8:00 a.m.-5:00 p.m.
City of Loveland Utilities Login and Account Registration
The My Account portal is more useful than Quick Pay when you need billing history, usage information, AutoPay, paperless billing or a service change.
Sign in at myaccount.lovgov.org and verify the account and service address before changing billing information.
The City’s 2026 instructions say to register using your utility account number and ZIP code.
After opening the Loveland customer portal
- Sign in if you already have an online profile.
- If registering, keep your utility account number and ZIP code ready.
- After access is established, confirm the service address connected with the account.
- Use the billing and payment section to review bills or set up AutoPay.
- If registration or password recovery fails, call Utility Billing at 970-962-2111 rather than creating repeated profiles.
How to Set Up Loveland AutoPay
Loveland’s current portal instructions direct registered users to the Bills & Payment section and then the AutoPay option. Funding AutoPay from checking or savings avoids the card-processing fee.
Loveland Utilities Phone Numbers
Billing, electric outages and water emergencies do not use the same number. Calling the correct department avoids being transferred when the issue is urgent.
Payments, My Account help, high bills, start/stop/move service, past-due accounts and payment arrangements.
Dedicated City of Loveland electric outage and electrical emergency line.
Use for a water or wastewater emergency such as a suspected City-side break.
City service directory number for streetlight issues and related electric-maintenance concerns.
General City of Loveland Utilities information.
After opening the City Utilities website
- Use Pay My Bill for billing and payment information.
- Use Start/Stop/Move for service changes.
- Use Outages & Emergencies for power or water problems.
- Use Rates, Charges & Fees when checking a current utility rate.
- For account-specific questions, call Utility Billing rather than submitting sensitive information to an unrelated website.
Start, Stop or Move Loveland Utility Service
Service changes can be handled through My Account 24/7 or by calling Utility Billing. Loveland’s current procedure gives customers a useful planning window: requests may be processed as early as the next business day or scheduled up to two weeks in advance.
Submit the request ahead of your move rather than assuming same-day service is available.
Loveland allows service changes to be scheduled ahead within the City’s published window.
Choose a business-day start, stop or transfer date.
The City says your first bill will include applicable start-service fees. A deposit is required if you have not established 12 months of good credit. If you are stopping service, the final bill for the old address is generally sent within two weeks of the stop date.
Official Loveland Start, Stop or Move ServiceAfter opening the start/stop/move page
- Choose online account management or the Utility Billing phone route.
- Have the service address and requested start, stop or transfer date ready.
- Schedule a business-day service change; weekend changes are not available.
- If starting service, review the first-bill fee and deposit information.
- Keep confirmation of the requested service date.
- If stopping service, watch for the final bill within the City’s stated two-week period.
If Your Loveland Utility Bill Is Past Due
Loveland considers a utility bill past due 20 days after the billing date. The City describes a progression from a late-payment reminder to a disconnection notice with a specific shut-off date, followed by disconnection if the required payment or arrangement is not made.
Review the balance in My Account and contact Utility Billing if you need a payment arrangement.
Call Utility Billing before the shut-off date. The City asks customers seeking an extension to make contact at least one business day beforehand.
Confirm the amount and reconnection requirements with Utility Billing. A reconnection fee applies and a deposit may be required.
Additional after-hours charges apply. The City’s regular reconnection window is Monday-Friday, 7:00 a.m.-3:00 p.m.
After opening the past-due bill page
- Identify whether your account is only late, has a shut-off date, or is already disconnected.
- Check the current balance through My Account.
- If you need more time, call Utility Billing at least one business day before the shut-off date.
- If disconnected, ask for the exact reconnection amount, deposit requirement and applicable fee.
- Pay using a method appropriate for the deadline and keep confirmation.
A Useful Shut-Off Notification Option
Loveland offers third-party notification. A person such as a landlord, property manager, family member or other designated contact can be notified when utility service may soon be shut off. That person is not made responsible for the bill; the purpose is simply to provide another warning channel.
To ask about third-party notification, contact Utility Billing at 970-962-2111 or UtilityBilling@cityofloveland.org.
Loveland Power Outage and Water Emergency Help
The dedicated City of Loveland power-outage number is 970-663-1043. The City’s outage page advises customers to first determine whether neighboring properties are also without power.
After opening the power-outage page
- Review the current outage information and map.
- If you are the only property without power, check breakers only if it is safe to do so.
- If the outage affects other properties, call 970-663-1043.
- Give the service location and contact information requested by the outage line.
- Stay away from downed lines and damaged utility equipment.
Use the City’s dedicated number for a water or wastewater emergency.
Why a Loveland Utility Bill Can Change Even When Your Habits Feel the Same
Loveland has several billing rules that are easy to miss when you compare only the final dollar amount. Electric pricing changes seasonally, sewer billing relies on a winter-use calculation, and some rates differ depending on whether the service address is inside or outside city limits.
September 2026 Uses the Summer Electric Rate
Loveland’s residential electric energy rate is seasonal. From July 1 through October 31, 2026, the published summer energy rate is $0.15303 per kWh. The non-summer rate for November through June is $0.11270 per kWh.
After opening the Loveland rates page
- Open the current 2026 Rates, Charges and Fees resource.
- Find your service type: electric, water or wastewater.
- Confirm whether the account is residential or another customer class.
- For electricity, check whether the bill falls in the summer or non-summer period.
- For water or wastewater, confirm whether the rate is inside or outside city limits before comparing amounts.
Three Loveland Billing Details Worth Knowing
Loveland explains that monthly water use is rounded down for billing and the remaining gallons carry forward. For example, 1,300 gallons can result in 1,000 gallons billed that month with the remainder carried into the next calculation.
The City uses December, January and February water consumption to establish a yearly winter-quarter average. It updates in March and acts as a maximum sewer-use amount.
Loveland’s billing information notes that some base charges differ according to whether the service address is inside or outside Loveland city limits.
After opening the bill-explanation page
- Match the numbered explanations with the corresponding lines on your bill.
- Compare meter readings and actual electric or water consumption.
- Separate monthly base charges from usage-based charges.
- For wastewater, review the winter-quarter-average explanation.
- If the usage still looks incorrect, call Utility Billing with the bill and meter information in front of you.
Loveland Utility Bill Assistance
If the problem is affordability rather than a billing error, the City maintains a current assistance page that brings together local and statewide programs. The programs have different eligibility rules, so the best option depends on household income, location and the type of assistance needed.
The City says HNS administers Help a Neighbor in Distress donations for eligible community members. Current City guidance lists eligibility at or below 70% of Area Median Income.
Phone: 970-667-4939
The City’s assistance page lists utility-bill help for Larimer County households meeting the program’s income requirements.
Phone: 970-829-0296
Loveland’s resource page directs qualifying customers to statewide energy-assistance options, including support for households with past-due home-energy costs.
Phone: 1-866-432-8435
After opening the financial-assistance page
- Compare the current local and statewide programs listed by the City.
- Read the income, county and utility-account requirements for the program that fits your situation.
- Contact the administering organization directly rather than sending financial documents to city-utilities.org.
- If a shut-off date is already approaching, also call Loveland Utility Billing at 970-962-2111.
A Shut-Off Call Demanding Immediate Payment? Verify It First
Loveland has repeatedly warned customers about utility impostor scams. If an unsolicited caller demands immediate payment or threatens an unusually rapid shut-off, do not rely on the caller ID or the number they give you.
Loveland Utility Billing Office, Address and Hours
Loveland, CO 80537
Account-service hours:
Monday-Thursday: 8:00 a.m.-5:00 p.m.
Friday: 8:30 a.m.-5:00 p.m.
Loveland, CO 80537
Published hours:
Monday-Friday: 8:00 a.m.-4:00 p.m.
Related City Utility Guides
If you also manage municipal utility accounts elsewhere, these published guides cover similar city-run billing, account-login, outage and moving-service systems.
Loveland Utilities FAQs
1. What is the City of Loveland Utilities phone number for billing?
Call City of Loveland Utility Billing at 970-962-2111 for payment questions, My Account help, high bills, service changes, past-due accounts and payment arrangements. Published account-service hours are Monday-Thursday 8:00 a.m.-5:00 p.m. and Friday 8:30 a.m.-5:00 p.m.
2. Can I pay a Loveland utility bill online without logging in?
Yes. Open the City’s My Account portal and use Quick Pay. The City says you will need the utility account number, followed by the requested contact and payment information. An e-check is currently free, while debit and credit card payments carry a 2.85% service fee.
3. How do I register for the Loveland My Account portal?
The City’s 2026 instructions say new users can register at myaccount.lovgov.org using their City utility account number and ZIP code. After registration, the portal can be used for bills, payment management, AutoPay and paperless billing.
4. How can I avoid the 2.85% Loveland utility card-payment fee?
Loveland currently lists one-time e-check payments as free and also lists AutoPay funded from checking or savings as a no-service-fee option. The 2.85% fee applies to debit and credit card payments processed through Paymentus beginning June 1, 2026.
5. What is the City of Loveland power-outage phone number?
The dedicated City of Loveland power-outage number is 970-663-1043. The City asks callers to be ready with their name, address, telephone number and useful information about the outage. Crews respond to outages 24/7/365.
6. When is a Loveland utility bill considered past due?
The City says utility bills are due 20 days after the billing date. A late account can progress from a reminder notice to a disconnection notice with a shut-off date and then service disconnection if payment or an approved arrangement is not made.
7. How far ahead can I schedule a Loveland utility start, stop or transfer?
Loveland says service-change requests may be processed as early as the next business day or scheduled up to two weeks in advance. Service changes are not available on weekends.
8. Why is my Loveland electric bill higher in September 2026?
September falls within Loveland’s summer electric-rate period. The 2026 residential energy rate is $0.15303 per kWh from July through October, compared with $0.11270 per kWh during November through June. Higher summer usage can increase the bill further.
9. How does Loveland calculate residential sewer usage?
Loveland uses a Winter Quarter Average based on December, January and February water consumption. The figure is updated each March and acts as a maximum sewer-use amount; the City uses the winter average or current water consumption, whichever is lower, for the applicable sewer calculation.
10. Where do I mail a City of Loveland utility payment in 2026?
Mail utility payments to City of Loveland Utilities, P.O. Box 202152, Dallas, TX 75320-2152. This remittance address took effect in November 2025, so customers using an older saved address should update their records.
Official-Source and Accuracy Note
This page is an independent utility-information guide. It does not represent the City of Loveland and cannot view account balances, take payments, approve extensions or restore service.
Payment methods and fees, My Account instructions, past-due rules, start/stop timing, outage contacts, 2026 rates, office details and assistance information were reviewed against current City of Loveland and City of Loveland Utilities resources.
Rates, fees, office hours and account procedures can change. For a payment deadline, shut-off notice, reconnection or account-specific issue, use the current information displayed by the City or call Utility Billing directly.
Editorial verification date: September 12, 2026.