The Lowe's Synchrony login page is at synchrony.com/lowes
Go to synchrony.com/lowes and enter your username and password in the login box. If you have never logged in before, you will need to set up an online account first — the link for that is on the same page. Once you are logged in, you can view your balance, make payments, check your statement, and see your available credit.
The Lowe's Synchrony card is issued by Synchrony Bank, not by Lowe's itself. That is why the login is on Synchrony's website rather than Lowes.com. If you have trouble remembering which site to use, bookmark synchrony.com/lowes so you do not have to search for it each time.
Key Takeaways
- The login address is synchrony.com/lowes, not Lowes.com — Synchrony Bank manages the card account.
- You need a username and password to log in; if you do not have an account yet, you can create one on the same page.
- Once logged in, you can pay your bill, view your balance, read statements, and manage your account settings.
- If you forget your password, use the "Forgot Password" link on the login page to reset it using your email address.
- You can also call Synchrony customer service at the number on the back of your card if you prefer to handle account tasks by phone.
Setting up your account for the first time
When you first receive your Lowe's Synchrony card, you will get a welcome letter with instructions for creating your online account. You will need your card number, Social Security number, and a valid email address. Go to synchrony.com/lowes and click the link to register a new account.
During setup, you will choose a username and create a password. Write these down or save them in a password manager — you will need them every time you log in. Synchrony will send a confirmation email to the address you provided; check your inbox and click the link to verify your email before you try to log in.
What you can do once you are logged in
Your account dashboard shows your current balance, credit limit, and available credit at a glance. You can also see your recent transactions, which is useful if you want to check that a purchase posted correctly or dispute a charge you do not recognize.
To make a payment, click the "Make a Payment" button. You can pay from a bank account or with a debit card. Synchrony lets you schedule payments in advance, which is helpful if you want to make sure a payment goes through before your due date. You can also set up automatic payments so the same amount comes out of your bank account on the same day each month.
Your statements are available to read as PDF files. You can view statements from the past 24 months and print them if you need them for your records. The statement shows every purchase, fee, and payment, as well as your interest rate and how much interest you paid that month.
Resetting your password if you forget it
On the synchrony.com/lowes login page, click "Forgot Password." Synchrony will ask for your username or the email address associated with your account. You will receive an email with a link to create a new password. That link usually works for 24 hours, so do not wait too long to use it.
If you do not receive the email, check your spam folder — sometimes password reset emails get caught there by mistake. If you still cannot find it after 10 minutes, try the reset again. If you continue to have trouble, call the customer service number on the back of your card and a representative can help you regain access.
Paying your bill through the Synchrony website
Log in to your account and select "Make a Payment." You will see your current balance and your due date. Choose how much you want to pay — you can pay the full balance, the minimum payment, or any amount in between.
Next, choose your payment method. You can pay from a checking or savings account (this usually takes one to two business days) or with a debit card (this usually posts the same day). Enter the account or card details and confirm the payment. Synchrony will show you a confirmation number — save this in case you need to look up the payment later.
If you want to pay by mail instead, your statement shows the mailing address. If you want to pay by phone, call the number on the back of your card. Payments made by mail take longer to post, so mail your payment at least a week before your due date to avoid a late fee.
Troubleshooting common login problems
If you see a message that your username or password is incorrect, make sure you are typing it exactly as you created it — passwords are case-sensitive, meaning capital letters matter. If you are still stuck, use the "Forgot Password" link to reset it.
If the website is not loading at all, try clearing your browser's cache and cookies, then reload the page. If you are using an older browser, try a newer one like Chrome or Firefox. If the site still will not load, wait a few minutes and try again — Synchrony occasionally performs maintenance that briefly takes the site offline.
If you see a message that your account is locked, it usually means you entered the wrong password too many times. Wait 30 minutes and try again. If your account remains locked, call customer service at the number on the back of your card.
Managing your account settings and notifications
Once you are logged in, you can change your password, update your email address, and adjust your notification settings. Most cardholders choose to receive email alerts when a payment is due, when a payment posts, or when a large purchase is made.
You can also set up paperless statements so you receive only an email notification when your statement is ready, rather than getting a paper bill in the mail. This saves paper and makes it easier to find old statements — they stay in your online account for 24 months.
Frequently Asked Questions
What do I do if I do not remember my username?
Click "Forgot Password" on the login page and enter the email address associated with your account. Synchrony will send you a password reset link. You can create a new password and use your email address as your username if you prefer.
Can I pay my Lowe's credit card bill on Lowes.com?
No. Lowe's does not handle credit card payments on its website. You must go to synchrony.com/lowes to pay your bill. You can shop at Lowes.com and use your Lowe's Synchrony card to check out, but payments are managed only through Synchrony's website.
How long does it take for a payment to show up in my account?
Payments from a bank account usually post within one to two business days. Debit card payments typically post the same day. Payments made by mail take five to seven business days. Always make sure your payment arrives before your due date to avoid a late fee.
Is synchrony.com/lowes safe to use?
Yes. Synchrony uses encryption to protect your login information and account details. Never share your username or password with anyone, and always make sure you are on the real Synchrony website before entering your information — check that the web address starts with "https://" and shows a lock icon in your browser.
Can I access my account from my phone?
Yes. The Synchrony website works on phones and tablets. You can also read the Synchrony mobile app from the Apple App Store or Google Play Store to manage your account on the go. The app lets you check your balance, make payments, and view statements just like the website does.