The three ways to pay your Lowe's credit card
You can pay your Lowe's credit card online through your account, by phone with a customer service representative, or by mailing a check to the address on your statement. The online method is fastest and shows your payment when ready. Phone payments take a few minutes and require your account number and payment amount ready before you call. Mailed payments take 7 to 10 business days to reach Lowe's and post to your account.
Your payment due date appears on your monthly statement. Lowe's typically gives you at least 21 days from the statement closing date to pay without interest charges. If you miss the due date, late fees and interest charges explore to your balance.
Key Takeaways
- Online payments through your Lowe's account are processed the same day and are the fastest method available.
- Phone payments require calling the number on your statement and take only a few minutes to complete.
- Mailed payments must arrive by the due date shown on your statement, which typically takes 7 to 10 business days.
- Setting up automatic payments prevents missed due dates and late fees by charging your bank account on a date you choose.
- Your statement shows your minimum payment, full balance, and due date — paying more than the minimum reduces interest charges.
Paying online through your Lowe's account
Log into your account at lowes.com using your email and password. Click on "Credit Card" or "Manage Credit Card" in the account menu. Select the option to make a payment. Enter the amount you want to pay and choose your payment method — you can pay from a checking or savings account, or use a debit card.
The payment posts to your account the same day if you submit it before the cutoff time, which is usually 8 p.m. Eastern time on business days. Payments submitted after that time or on weekends and holidays process the next business day. You will see a confirmation number when ready after you submit the payment.
Paying by phone
Call the number on the back of your Lowe's credit card or on your statement. A representative will ask for your account number, the amount you want to pay, and your payment method. You can pay from a checking or savings account or use a debit card. The call takes about five minutes.
Phone payments are processed the same day if you call before the cutoff time. Ask the representative for a confirmation number before you hang up. Keep a record of the date and confirmation number in case you need to reference the payment later.
Paying by mail
Write a check or money order for the amount you owe. Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this address is different from the mailing address for other correspondence, so use the one on your bill.
Mail your payment at least 10 business days before your due date to may support it arrives on time. Lowe's receives mail at a processing center, not at individual stores, so delivery takes longer than you might expect. If your payment arrives after the due date, late fees will be charged even if you mailed it on time.
Setting up automatic payments
Automatic payments deduct money from your bank account on a date you choose each month. Log into your Lowe's account online, go to "Credit Card," and select "Set Up Automatic Payment" or "Autopay." Choose whether you want to pay the full statement balance, the minimum payment, or a fixed amount each month. Enter your bank account information and the date you want the payment to occur.
Automatic payments prevent missed due dates and late fees. If you choose to pay the full balance each month, you will avoid interest charges on purchases. You can change or cancel automatic payments anytime through your account, and you will receive a confirmation email each time a payment is processed.
Understanding your statement and payment options
Your monthly statement shows three key numbers: the minimum payment (the smallest amount you must pay to avoid a late fee), the statement balance (everything you owe), and the due date. Paying only the minimum keeps your account current but leaves a balance that accrues interest. Paying the full statement balance stops interest from building on that month's purchases.
If you carry a balance from month to month, interest charges appear on your next statement. The interest rate for Lowe's credit cards varies depending on the card type and your creditworthiness. Paying more than the minimum reduces the balance faster and saves you money on interest over time.
What to do if you miss a payment
If your payment does not arrive by the due date, Lowe's charges a late fee. Your interest rate may also increase if you are more than 60 days late. Contact Lowe's customer service as soon as you realize you have missed a payment. Some situations allow for a one-time waiver of the late fee if you have a good payment history.
Make your next payment as soon as possible to stop additional fees from accumulating. If you are having trouble making payments, ask about hardship programs or payment plans that may be available. Lowe's customer service can discuss options with you over the phone.
Frequently Asked Questions
Can I pay my Lowe's credit card with cash?
No, Lowe's does not take cash payments for credit card bills. You must pay online, by phone, by mail, or through automatic bank transfers. You cannot pay at a Lowe's store location.
How long does it take for an online payment to show up?
Online payments post the same day if submitted before 8 p.m. Eastern time on a business day. Payments submitted after hours or on weekends process the next business day. You will see a confirmation number when ready, but the payment may take a few hours to appear in your account balance.
What happens if I pay more than I owe?
The extra amount becomes a credit on your account and applies to your next statement or future purchases. You can also request a refund of the overpayment by calling customer service, though this takes several business days to process.
Can I change my automatic payment date?
Yes, you can change the date anytime through your online account. Log in, go to your automatic payment settings, and select a new date. The change takes effect on your next scheduled payment.
What if I want to pay early?
You can pay any amount at any time without penalty. Paying early reduces your balance and the interest you owe. There is no fee for early payments, and you can make as many payments as you want each month.