Pay your Lowe's card through the Lowe's website or the mobile app
You can pay your Lowe's credit card balance online by logging into your account at lowes.com, selecting the credit card section, and choosing the payment option. The Lowe's mobile app offers the same payment feature if you prefer to pay from your phone. Payments typically post within one business day when you pay before the cutoff time, which is usually 8 p.m. Eastern time.
You do not need to create a separate account — if you have a Lowe's.com login, you can access your credit card information from there. If you do not have an online account yet, you can set one up using your email address and the card number printed on your Lowe's credit card.
Key Takeaways
- Log into lowes.com or use the Lowe's mobile app to reach your credit card account and make a payment.
- You can pay your full balance, a minimum payment, or any amount in between.
- Payments made before 8 p.m. Eastern time typically post the next business day.
- You can also pay by phone at the number on the back of your card or by mail using the payment coupon in your statement.
Step-by-step: paying online through Lowe's
Start by going to lowes.com and clicking on "Account" in the top right corner. Enter your email address and password. If you have not set up an online account, you will need your card number and other identifying information to create one.
Once you are logged in, look for "Credit Card" or "Manage Your Card" in the account menu. Select your Lowe's credit card from the list if you have more than one. You will see your current balance, minimum payment due, and due date. Click "Make a Payment" or the payment button on that page.
Enter the amount you want to pay. You can choose to pay the full balance, the minimum payment, or a custom amount. Select your payment method — you can pay from a checking or savings account. Review the payment details and confirm. You will receive a confirmation number on screen; save or write this down for your records.
Paying through the Lowe's mobile app
read the Lowe's mobile app from the Apple App Store or Google Play Store if you do not have it. Open the app and tap "Account" at the bottom of the screen. Log in with your email and password.
Tap "Credit Card" and select your Lowe's card. You will see the same payment screen as the website. Enter your payment amount, choose your bank account, and confirm. The app will show you a confirmation number when the payment is submitted.
Payment timing and when money reaches your account
Payments submitted before 8 p.m. Eastern time on a business day usually post to your account the next business day. Payments submitted after 8 p.m. or on weekends and holidays will post on the next business day after that. Your due date does not change based on when you pay — it is set on your statement, so pay before that date to avoid a late fee.
Even if your payment has not posted yet, you can make another payment. The system will not prevent you from overpaying your account, and any overage becomes a credit toward your next statement.
Other ways to pay your Lowe's credit card
If you prefer not to pay online, you can call the number on the back of your Lowe's credit card to pay by phone. A representative will walk you through the process and you can pay from your checking or savings account. This method works during business hours and on weekends.
You can also mail a check or money order to the address shown on your monthly statement. Include the payment coupon from your statement so the payment is credited to the correct account. Mail payments take longer to post — typically five to seven business days — so send them well before your due date.
What to do if your payment does not post
If you submitted a payment online and it does not appear within two business days, log back into your account and check the payment status. The website will show whether the payment is pending, posted, or failed. If it failed, you will see an error message explaining why — usually a problem with the bank account information you entered.
If the payment shows as pending after two business days, contact Lowe's customer service at the number on your card. Have your confirmation number ready. If the payment failed, you will need to submit it again with corrected bank account details.
Setting up automatic payments
You can set up automatic payments so your Lowe's credit card bill is paid on a date you choose each month. Log into your account, go to the credit card section, and look for "Automatic Payments" or "Recurring Payments." You can choose to pay your full balance, your minimum payment, or a fixed amount each month.
Automatic payments pull from your checking or savings account on the date you select. You can change or cancel automatic payments anytime by logging back into your account. This is useful if you want to make sure your payment never misses the due date.
Frequently Asked Questions
Can I pay my Lowe's credit card with a credit card or debit card?
No. Lowe's only accepts payments from a checking or savings account, by phone, or by mail. You cannot pay with another credit card or debit card through the website or app.
What happens if I pay after my due date?
A late fee will be added to your account if you pay after the due date shown on your statement. The amount of the fee depends on your card terms. You will also see the late payment reported to credit bureaus if it is more than 30 days past due.
Can I get a refund if I overpay my account?
Yes. If you pay more than your balance, the extra amount stays on your account as a credit. You can use it toward future purchases or request a refund by calling the number on your card. Refunds are typically mailed within one to two weeks.
Is it safe to pay my Lowe's credit card online?
Lowe's uses encryption and security measures to protect your payment information. Your bank account details are not stored on the Lowe's website after your payment is processed. Only pay through the official Lowe's website or app, not through links in emails or texts.
What if I forgot my password?
Click "Forgot Password" on the Lowe's login page. You will be asked to enter your email address. Lowe's will send you a link to reset your password. Click the link in the email and create a new password. You can then log in and make your payment.