Where to send your Lowe's credit card payment
Lowe's credit card payments go to Synchrony Bank, the company that issues and manages the card on Lowe's behalf. You have three main routes: pay online through your Synchrony account, mail a check to the address on your statement, or pay by phone. The fastest and most common method is online, which posts to your account within one business day.
If you have a Lowe's store credit card (not the Lowe's Advantage+ Visa), you log in at mysynchrony.com or through the Lowe's website itself. If you have the Lowe's Advantage+ Visa, you also use mysynchrony.com. Both cards are managed by the same company, so the payment process is identical.
Key Takeaways
- Online payments through mysynchrony.com or the Lowe's website post within one business day and carry no fee.
- Mailed checks should be sent to the address printed on your statement, not to a Lowe's store location.
- Phone payments are available by calling the number on the back of your card, and you can set up automatic recurring payments to avoid missed due dates.
- Your due date appears on your monthly statement, and payments made after that date trigger a late fee and may affect your credit report.
- If you cannot pay the full balance, paying at least the minimum due by the important date prevents late fees, though interest continues to accrue on the remaining balance.
Paying online through Synchrony or Lowe's
Log in to mysynchrony.com with your username and password. If you do not have an account yet, you can create one using your card number and Social Security number. Once logged in, select "Make a Payment" and choose the amount you want to pay — you can pay the full balance, the minimum due, or any amount in between.
Alternatively, you can pay through the Lowe's website or mobile app if you have a Lowe's store credit card. Log in to your Lowe's account, go to "Credit Card" or "Manage My Card," and select the payment option. Both routes connect to the same Synchrony system, so the payment arrives at the same place either way.
Online payments are free and typically post within one business day. If you pay before 8 p.m. Eastern time on a business day, the payment usually shows in your account the next morning. Payments made on weekends or holidays post on the next business day.
Mailing a check or money order
The mailing address for your payment appears on your monthly statement, usually near the top or bottom. Do not send payments to a Lowe's store — they will not reach Synchrony and will delay your payment. Write your account number on the check or money order so Synchrony can match it to your account.
Mail payments take 7 to 10 business days to arrive and post, so send your check well before your due date. If your due date is the 15th and you mail a check on the 10th, it may not post until after the important date, triggering a late fee. For this reason, mailing is the slowest option and best used only if you cannot pay online or by phone.
Paying by phone
Call the number on the back of your Lowe's credit card to reach Synchrony's payment line. A representative will ask for your account number, the amount you want to pay, and your bank account information if you are paying from a checking or savings account. Phone payments are free and post within one business day, just like online payments.
You can also set up automatic recurring payments by phone. This is useful if you want to pay the same amount every month on the same date — for example, paying $100 on the 1st of each month. Automatic payments reduce the risk of missing a due date, though you are still responsible for checking your statement to make sure the payment went through.
Understanding your due date and late fees
Your due date is printed on your monthly statement and is usually 21 to 25 days after your statement closes. If you pay after this date, Synchrony charges a late fee — the amount depends on your card terms but typically ranges from $25 to $40 for the first late payment. A second late payment in the same billing cycle may result in a higher fee.
Late payments also report to the three credit bureaus (Equifax, Experian, and TransUnion) and can lower your credit score. Even one late payment can stay on your credit report for up to seven years. If you cannot pay the full balance, paying at least the minimum due by the important date prevents the late fee and the credit report entry, though interest continues to accrue on the unpaid balance.
What to do if you cannot pay on time
If you know you will miss your due date, contact Synchrony before the important date. Call the number on the back of your card and explain your situation. Synchrony cannot erase a late fee once it has been charged, but representatives can sometimes waive it if you have a good payment history and this is your first late payment. They may also discuss a payment plan or hardship option if you are struggling with the balance.
Paying even a small amount before the due date is better than paying nothing. A payment of $25 or $50, even if it does not cover the full balance, shows that you are making an effort and may help if you later ask for a late fee waiver. After you have missed a payment, the next step is to pay as soon as you can to stop additional fees from accumulating.
Setting up automatic payments to avoid missed important date
Automatic payments are the easiest way to may support you never miss a due date. You can set them up online at mysynchrony.com or by phone. Choose whether you want to pay the full statement balance, the minimum due, or a fixed amount each month. You can also choose the date the payment should go out — many people pick the 1st or 15th of the month to match their paycheck schedule.
Automatic payments pull money directly from your checking or savings account on the date you select. If you set up a payment for the 10th of each month and your due date is the 15th, the payment will post well before the important date. You can change or cancel automatic payments at any time through your Synchrony account, so there is no long-term commitment.
Frequently Asked Questions
What if I pay online but the payment does not show up in my account?
Online payments typically post within one business day. If more than one business day has passed and the payment does not appear, log back into mysynchrony.com and check the "Payment History" section to confirm the payment was processed. If it shows as pending, wait one more business day. If it shows as failed, try paying again or call Synchrony at the number on your card.
Can I pay my Lowe's credit card at a Lowe's store?
No. Lowe's stores do not accept credit card payments in person. You must pay online, by phone, or by mail. Payments made at a store will not reach your account and will not count toward your due date.
Is there a fee for paying my Lowe's credit card online?
No. Online payments through mysynchrony.com or the Lowe's website are free. Phone payments and mailed checks are also free. Synchrony does not charge a fee for any standard payment method.
What happens if I only pay the minimum due?
Paying the minimum due prevents a late fee and keeps your account in good standing. However, interest continues to accrue on the remaining balance at your card's annual percentage rate. If you carry a balance, paying only the minimum means you will pay significantly more in interest over time than if you paid the full balance.
Can I set up automatic payments for different amounts each month?
No. Automatic payments must be the same amount every month. If you want to pay different amounts, you can make manual payments online or by phone each month instead. Many people use automatic payments for the minimum due and then make additional manual payments when they can afford to pay more.