Where to log in to your Lowe's credit card account
Lowe's credit card payments are managed through Synchrony Bank, which handles the card on behalf of Lowe's. You log in at www.synchronybank.com, not through Lowe's.com. Once you reach Synchrony's site, select "Lowe's Credit Card" from the list of available cards, then enter your username and password.
If you do not have a username yet, you will need to create one before you can pay online. Synchrony calls this process "enrollment". You can enroll using your credit card number, Social Security number, and date of birth. The enrollment takes a few minutes and happens on the same Synchrony login page.
You can also pay by phone by calling the number on the back of your physical card. A representative can process a payment over the phone, though you will need your card number and bank account information ready.
Key Takeaways
- Lowe's credit card payments go through Synchrony Bank at www.synchronybank.com, not through Lowe's directly.
- You need to create a username and password through Synchrony's enrollment process if you have not logged in before.
- Payments made online typically post within one business day, though the exact timing depends on when you submit the payment.
- You can also pay by phone using the customer service number printed on your card, or by mailing a check to the address shown on your statement.
What information you need to log in
To log in to an existing account, you will need your username (which you created during enrollment) and your password. If you have forgotten either one, Synchrony offers a recovery option on the login page: click "Forgot Username or Password?" and follow the prompts to verify your identity using your card number and Social Security number.
For first-time enrollment, gather your Lowe's credit card number, your full Social Security number, and your date of birth. Synchrony uses these to confirm your identity before setting up your online account. The process takes about five minutes.
How to make a payment after you log in
Once you are logged in, look for a "Make a Payment" or "Pay Now" button, usually visible on the account dashboard. Click it and you will see your current balance and minimum payment due. You can then choose to pay the full balance, the minimum, or a custom amount.
Select your payment method: you can pay from a checking or savings account (electronic bank transfer) or use a debit card. Electronic transfers are free and typically post within one business day. Debit card payments may carry a fee, which Synchrony will disclose before you confirm.
Enter the amount you want to pay and choose your payment date. You can schedule a payment for today or for a future date, which is useful if you want to time the payment with your paycheck. Review the details and confirm the payment.
Payment important date and how they work
Your payment due date appears on your monthly statement and in your online account. Payments submitted online before 8 p.m. Eastern Time typically post the same business day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day.
If your due date falls on a weekend or holiday, Synchrony extends the important date to the next business day. However, interest accrues daily on any unpaid balance, so paying as early as possible in your billing cycle reduces the total interest you pay over time.
If you are unable to pay by the due date, contact Synchrony before the important date. They may be able to discuss options with you, though late fees and interest charges will explore to any payment received after the due date.
Troubleshooting login problems
If you cannot log in, the most common cause is an incorrect username or password. Use the "Forgot Username or Password?" link on the Synchrony login page to reset either one. You will need to verify your identity using your card number and Social Security number.
If you see a message that your account is locked, it usually means you entered an incorrect password too many times. Wait 24 hours and try again, or call the customer service number on your card to unlock it when ready.
If you enrolled recently, your account may not be active yet. Synchrony sometimes takes up to 24 hours to set up new enrollments. If you enrolled more than 24 hours ago and still cannot log in, call the number on your card to confirm your enrollment went through.
Other ways to pay if you cannot log in online
Phone payments are available 24 hours a day, seven days a week. Call the number on the back of your card and a representative will walk you through the payment process. You will need your card number and the bank account or debit card you want to pay from.
You can also mail a check to the address shown on your monthly statement. Write your account number on the check and allow 7 to 10 business days for the payment to post. Mailed payments are slower than online or phone payments, so use this method only if you cannot pay online or by phone.
Some Lowe's stores have payment kiosks where you can pay in person, though this is less common. Call your local store or check the Lowe's website to see if your store offers this option.
Frequently Asked Questions
How long does it take for an online payment to show up in my account?
Payments submitted before 8 p.m. Eastern Time on a business day typically post the same day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day. You can check the status of your payment in your online account within a few hours of submitting it.
Can I set up automatic payments so I do not have to log in every month?
Yes. Once you are logged in, look for an "Auto Pay" or "Automatic Payments" option in the payment section. You can set it to pay your full balance, your minimum payment, or a fixed amount each month on your chosen due date. You can change or cancel automatic payments at any time.
What should I do if I see a payment on my statement that I did not make?
Log in to your account and review the transaction details. If you do not recognize the charge, call the number on your card to report it. Synchrony has fraud protection, and they will investigate unauthorized charges and may issue a credit while the investigation is underway.
Is there a fee to pay my bill online?
No fee applies when you pay from a checking or savings account. Paying with a debit card may incur a fee, which Synchrony discloses before you confirm the payment. Phone and mail payments are also free.
Can I pay more than my minimum payment?
Yes. You can pay any amount up to your full balance. Paying more than the minimum reduces the interest you pay and helps you pay off the card faster. You can make multiple payments in a single month if you want.