Pay your Lowe's credit card bill through the Lowe's website or the Lowe's mobile app
You can pay your Lowe's credit card online in two places: the main Lowe's website at lowes.com, or the Lowe's mobile app on your phone. Both routes let you make a one-time payment right away, set up automatic payments for future bills, or pay part of your balance. You do not need to call or visit a store to pay online.
The process takes about five minutes and you will see your payment confirmed when ready on screen. Your payment typically posts to your account within one business day, though the exact timing depends on when you submit it and your bank's processing schedule.
Key Takeaways
- Log into your Lowe's account on lowes.com or the Lowe's app using your email and password to reach your credit card dashboard.
- You can pay your full balance, a minimum payment, or any amount in between, and the payment posts within one business day.
- Set up automatic monthly payments so your bill is paid on the same day each month without logging in again.
- If you do not have a Lowe's account yet, you must create one before you can pay your card online.
- Payments made after 11:59 p.m. Eastern Time may not post until the next business day.
Log into your Lowe's account on the website
Go to lowes.com and look for the "Sign In" link in the top right corner of the page. Enter the email address and password you use for your Lowe's account. If you have not created an account yet, select "Create Account" and follow the prompts to set up your login with an email and password.
Once you are signed in, look for "Credit Card" or "My Account" in the main menu or your account dashboard. This will take you to your Lowe's credit card summary, where you can see your current balance, due date, and payment options.
Make a one-time payment on the website
On your credit card dashboard, select the option to make a payment. You will see a field where you can enter the amount you want to pay — you can pay your full balance, your minimum payment, or any amount between the two. Enter the payment amount and select "Continue" or "Next".
You will then be asked to confirm your payment method. Most accounts are set to pay from the bank account you have on file, but you can change this if needed. Review the payment amount and due date one more time, then select "Confirm Payment" or "Submit Payment". You will see a confirmation number on screen when ready.
Pay through the Lowe's mobile app
Open the Lowe's app on your phone and tap "Sign In" at the bottom of the screen. Enter your email and password. Once you are logged in, tap the menu icon (three horizontal lines) and look for "Credit Card" or "My Account".
Tap "Make a Payment" and enter the amount you want to pay. Confirm your payment method and review the details. Tap "Submit" or "Confirm Payment" and you will see your confirmation number. The app works the same way as the website, and payments post on the same timeline.
Set up automatic monthly payments
Automatic payments save you the step of logging in each month. On your credit card dashboard (either on the website or app), look for an option labeled "Automatic Payments", "Autopay", or "Recurring Payments". Select this option and choose the day of the month you want your payment to come out.
You can set your automatic payment to cover your full balance, your minimum payment, or a fixed dollar amount. Once you confirm, your payment will be deducted from your bank account on that date each month. You can change or cancel automatic payments at any time by going back to the same section and updating your settings.
What to do if you cannot log into your account
If you forget your password, select "Forgot Password" on the sign-in page. You will be asked to enter your email address, and Lowe's will send you a link to reset your password. Check your email (including your spam folder) and follow the link to create a new password.
If you do not receive a password reset email within a few minutes, try entering your email address again or contact Lowe's customer service at 1-866-LOWES-CC (1-866-569-3722). They can verify your identity and help you regain access to your account. Have your credit card number and a recent billing statement ready when you call.
When your payment posts and what to expect
Payments submitted before 11:59 p.m. Eastern Time typically post to your account the next business day. Payments submitted after that time may not post until the following business day. Weekends and holidays can add an extra day to the posting timeline.
Once your payment posts, your available credit increases and your balance decreases. You will see the updated balance the next time you log into your account or check your statement. If you set up automatic payments, you will see the same confirmation process each month, and the payment will post on the same schedule.
Frequently Asked Questions
Can I pay my Lowe's credit card by phone instead of online?
Yes. Call Lowe's customer service at 1-866-LOWES-CC (1-866-569-3722) to make a payment over the phone. You will need your card number and the amount you want to pay. Phone payments post on the same timeline as online payments.
What if my payment is due tomorrow and I just realized I forgot to pay?
Pay online or through the app right now. Payments submitted before 11:59 p.m. Eastern Time post the next business day, which may be before your due date. If you are concerned about a late fee, call customer service to confirm the exact cutoff time for same-day posting.
Can I pay my Lowe's credit card from a different bank account than the one on file?
Yes. When you make a payment online or through the app, you can select a different bank account before you confirm. You will need the routing number and account number for the bank account you want to use.
Do I have to pay my full balance, or can I pay just part of it?
You can pay any amount you choose, as long as it is at least your minimum payment. You can pay your full balance, your minimum payment, or anything in between. Paying more than the minimum reduces the interest you owe on the remaining balance.
What happens if I set up automatic payments but want to skip a month?
Log into your account and turn off automatic payments for that month, or change the payment amount to zero. You can turn automatic payments back on the following month, or adjust them at any time. Make sure you do this before your scheduled payment date.