Apologize For a Late Payment • Letter Templates and Guides

How to write this letter:

1State what has or is being done about the outstanding payment.
2Apologize for your lateness.
3End with a positive statement.


Your apology should be brief and to the point. Your reputation as a trustworthy customer and credit risk may be in question, so your immediate and thorough attention to the matter is important. Focus on your actions to correct the problem so it won't happen again. A sincere, well-worded apology can do much to defuse a potential problem.

Example Letter #1


Enclosed is a check for $100.00 to complete payment on invoice #123. This check should cover the entire overdue balance. Please accept our apologies for this oversight. We are truly sorry for any inconvenience it may have caused you.

Example Letter #2


By now you are aware that we did not make our March rent payment of $650. We have scrambled for weeks to meet our expenses, but will not be able to get the payment to you until March 20. We apologize for our late payment and hope you can work with us during this difficult time.

We appreciate all you do for us and want you to know we could not ask for a finer landlord. Thank you for your understanding. Please look for the check to arrive in the mail soon.

Example Letter #3


I am sorry that you have not yet received my payment this month. I recently found an error in my account and didn't want to send the payment until I was sure that check would not be returned. The bank has since accepted responsibility for the error, and I plan to have the funds transferred to you immediately.

The bank has assured me that the circumstances that led to the oversight are unusual and it is unlikely that this will ever happen again. I have been happy with our business relationship and trust that this incident will not jeopardize our future dealings.

Example Letter #4


Please find enclosed with this letter a check for two months' payment, plus a late fee. I am sorry for the delay, but I was unable to send last month's payment on time due to unexpected medical expenses. I appreciate the opportunity to do business with you and ask for your understanding during this temporary financial difficulty.

Example Letter #5


Enclosed is a check for half the amount of rent I owe you. I expect to be able to pay the outstanding balance, including the late fee, on or before the 20th. I am sorry to be so late with my payment, and hope that this has not caused you any great inconvenience. My hours at work were cut unexpectedly, leaving me short of money this week. I am just starting another job and will be able to pay on time in the future.


Apologize for your lateness.

Example Sentences for Step 2

Example Phrases for Step 2