Where to log in to your Lowe's credit card account
The Lowe's credit card is issued by Synchrony Bank, not by Lowe's itself. This means your online account and payment portal live on Synchrony's website, not on Lowes.com. You'll go to mysynchrony.com to log in, make payments, view your statement, and manage your account settings.
When you first set up your Synchrony account, you created a username and password. If you don't remember them, you can reset your password on the Synchrony login page before you enter any credentials — look for the "Forgot Username or Password?" link. Synchrony will send a reset link to the email address on file with your account.
You can also pay your Lowe's card through the Synchrony mobile app, available on iOS and Android. The app uses the same login credentials as the website and shows the same account information and payment options.
Key Takeaways
- Log in at mysynchrony.com using the username and password you created when you opened your Lowe's credit card account.
- You can reset a forgotten password on the Synchrony login page without needing to call customer service.
- Payments made online typically post within one business day, though the exact timing depends on when you submit the payment.
- The Synchrony mobile app offers the same login and payment features as the website and works on both iPhone and Android.
- If you have trouble logging in after resetting your password, contact Synchrony customer service at the number on the back of your card.
How to make a payment once you're logged in
After you log in to mysynchrony.com, you'll see your account dashboard. Look for a button or link labeled "Make a Payment" — it's usually near the top of the page or in a menu on the left side. Click it to start the payment process.
Synchrony will ask you to choose a payment method. You can pay from a checking or savings account (using your routing and account number), or from a debit card. You'll also enter the amount you want to pay — you can pay your full balance, your minimum payment, or any amount in between. Then you'll choose a payment date. Payments submitted before 8 p.m. Eastern Time typically post the next business day; payments submitted after that time may post the following business day.
Review the payment details one more time before you confirm. Once you submit, Synchrony will show you a confirmation number. Write it down or take a screenshot — you'll need it if you ever need to contact Synchrony about this specific payment.
What to do if you can't log in
If you've reset your password and still can't log in, the problem is usually one of three things: your username is incorrect, your account hasn't been fully activated yet, or there's a temporary issue with the Synchrony website.
First, try resetting your password again and make sure you're typing it exactly as you created it — passwords are case-sensitive. If that doesn't work, check that you're using the correct username. Some people confuse their username with their account number or email address; your username is what you chose during signup, not your card number.
If you opened your Lowe's card very recently (within the last few days), your Synchrony online account may not be active yet. Wait 24 to 48 hours and try again. If you've waited and still can't log in, or if you're certain your username and password are correct, call the customer service number on the back of your Lowe's card. A Synchrony representative can verify your identity and help you regain access.
Payment timing and when money actually leaves your account
The date you choose when you make a payment is the date Synchrony will process it — not the date the money leaves your bank account. If you schedule a payment for three days from now, Synchrony will pull the money from your bank on that date, but your bank may take an additional one to two business days to actually remove it from your balance.
If you're trying to avoid a late fee, the payment date that matters is the date Synchrony receives and processes your payment, not the date your bank shows the money left. Payments submitted online before 8 p.m. Eastern Time are usually processed the next business day. If your due date is tomorrow and it's already afternoon, calling Synchrony to make a payment over the phone may be faster than submitting one online.
Weekends and bank holidays can delay processing. If your due date falls on a Saturday, Sunday, or holiday, Synchrony will accept payments on the next business day without charging a late fee — but don't rely on this. Pay before the due date whenever you can.
Viewing your statement and account details online
Once you're logged in to mysynchrony.com, you can see your current balance, available credit, recent transactions, and payment history. Your full monthly statement is usually available to view online about a week before your due date. You can read it as a PDF or request that Synchrony mail a paper copy to your address on file.
You can also update your contact information, change your mailing address, set up automatic payments, and view any promotional offers you may have earned through your Lowe's card. If you want to receive email reminders before your payment due date, you can turn that on in the account settings.
Setting up automatic payments
If you want Synchrony to withdraw your payment automatically each month, you can set that up in your online account. Log in, find the "Automatic Payments" or "Autopay" section, and choose whether you want to pay your full balance, your minimum payment, or a fixed dollar amount each month. You'll select the day of the month when the payment should be processed.
Automatic payments are useful if you want to make sure you never miss a due date, but they do require you to have enough money in your bank account on that date each month. If you set up autopay for your full balance, your payment amount will change each month based on what you've charged. If you set it for a fixed amount, you'll still need to pay any remaining balance manually before your due date.
You can change or cancel automatic payments anytime by logging back into your account. Synchrony won't charge you a fee for setting up, changing, or stopping autopay.
Frequently Asked Questions
What if I don't have a Synchrony account yet?
When you're approved for a Lowe's credit card, Synchrony sends you instructions to create your online account. Check your email for a message from Synchrony with a link to set up your username and password. If you can't find it, go to mysynchrony.com and look for a "Create Account" or "Enroll" button. You'll need your card number and other identifying information to complete enrollment.
Can I pay my Lowe's card through the Lowe's website instead?
No. Lowes.com does not have a payment portal for the Lowe's credit card. You must go to mysynchrony.com to make payments. Lowe's stores do not accept credit card payments in person either — you can only pay online or by phone through Synchrony.
Is it safe to enter my bank account information on mysynchrony.com?
Synchrony uses encryption and security measures standard for banking websites. Your bank account information is not stored in a way that lets Synchrony access your account except to withdraw payments you've authorized. If you're uncomfortable entering your bank details online, you can call the number on your card and make a payment over the phone instead.
What happens if I pay late?
If your payment doesn't post by your due date, Synchrony will charge a late fee. The amount depends on your credit limit and account history. A late payment also gets reported to credit bureaus and can lower your credit score. If you're going to be late, call Synchrony as soon as possible — sometimes they can waive a first late fee if you have a good payment history.
Can I set up a payment for a future date?
Yes. When you make a payment online, you can choose any date up to several months in the future. This is useful if you want to schedule a payment for when you know you'll have the money, but remember that the money will leave your bank account on the date you choose, not before.