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 you log in through Synchrony's website, not through Lowes.com. Go to mysynchrony.com and enter your username and password on the main login page.
If you don't have an online account yet, you'll need to create one before you can make a payment. Click "Enroll Now" on the Synchrony login page and follow the prompts. You'll need your card number, Social Security number, and date of birth to set up your account.
Once you're logged in, you'll see your account balance, recent transactions, and a payment option. The payment section is usually labeled "Make a Payment" or "Pay Now" and appears prominently on your account dashboard.
Key Takeaways
- Log in at mysynchrony.com using your username and password — not through Lowe's website.
- If you don't have an online account, create one at Synchrony using your card number, Social Security number, and date of birth.
- You can pay from your checking or savings account, and most payments process within one to two business days.
- Payments made before 8 p.m. Eastern time typically post the same day; payments after that post the next business day.
- You can also pay by phone at the number on the back of your card or by mail using the payment coupon from your statement.
How to make a payment online
After logging in to mysynchrony.com, click "Make a Payment" or the payment button on your dashboard. You'll be asked how much you want to pay — you can pay the full balance, the minimum payment, or a custom amount.
Next, choose where the payment should come from. Synchrony accepts payments from a checking account or savings account. Enter your bank's routing number and your account number. If you've paid from the same account before, Synchrony may have it saved and you can simply select it from a list.
Review the payment amount and the account it's coming from, then confirm. Synchrony will show you a confirmation number and a date when the payment should post to your account. Save or print this confirmation for your records.
Payment timing and when money posts
Payments made before 8 p.m. Eastern time on a business day usually post to your account the same day. Payments made after 8 p.m. or on weekends and holidays post the next business day. Synchrony does not process payments on Saturdays, Sundays, or federal holidays.
Even though a payment posts quickly, it may take a few extra days for the money to leave your bank account. This is normal — your bank and Synchrony coordinate the transfer separately from when the payment shows up on your credit card statement.
If you're close to your due date and worried about timing, paying by phone or in person at a Lowe's store can sometimes be faster. Payments made in-store at a Lowe's customer service desk may post within 24 hours.
Other ways to pay your Lowe's credit card
You don't have to pay online. You can call the number on the back of your Lowe's credit card and speak to a representative who can take a payment over the phone. You'll need your card number and bank account information ready.
You can also mail a check or money order to the address shown on your monthly statement. Include your account number or the payment coupon that comes with your bill. Mail payments typically take five to seven business days to arrive and post.
Some Lowe's stores accept credit card payments in person at the customer service desk. Call your local store to confirm they offer this service, and bring your card and a form of payment (check, debit card, or cash).
What to do if you can't log in
If you've forgotten your username or password, click "Forgot Username or Password?" on the mysynchrony.com login page. Synchrony will ask you to verify your identity using your card number and Social Security number, then send you a reset link by email or text.
If you're having trouble accessing your account or the website isn't working, call Synchrony customer service at the number on the back of your Lowe's credit card. A representative can help you troubleshoot or process a payment over the phone instead.
If you've never created an online account and don't remember your card number, you can still call to set up an account over the phone or make a payment directly with a representative.
Setting up automatic payments
Synchrony allows you to set up automatic payments so you don't have to log in each month. Log in to mysynchrony.com, go to "Manage Autopay" or "AutoPay Settings," and choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month.
Select the date you want the payment to come out each month — most people choose a date shortly before their due date. Synchrony will deduct the payment automatically from your bank account on that date each month until you cancel.
Automatic payments reduce the risk of missing a due date and incurring a late fee. You can change or cancel your autopay settings anytime by logging back into your account.
Late payments and what happens if you miss a due date
Your payment is due on the date shown on your monthly statement. If your payment doesn't post by that date, Synchrony will charge a late fee. The amount varies but is typically $25 to $40 for the first late payment.
A late payment also affects your credit score and may trigger a higher interest rate on future purchases. If you realize you're going to miss a due date, call Synchrony immediately — sometimes they can work with you if you're only a few days late.
If you've already missed a payment, make one as soon as you can. The sooner you bring your account current, the sooner the late payment stops affecting your credit.
Frequently Asked Questions
Can I pay my Lowe's credit card at a Lowe's store?
Some Lowe's locations accept credit card payments at the customer service desk, but not all do. Call your local store to ask. If they do accept payments, bring your card and cash, check, or debit card. Payments made in-store may post within 24 hours.
What's the difference between my Lowe's card balance and my statement balance?
Your current balance is what you owe right now, including purchases you haven't been billed for yet. Your statement balance is what appeared on your most recent bill. You only need to pay the statement balance by the due date to avoid a late fee, but paying the full current balance stops interest from building up.
Is there a fee to pay online?
No. Synchrony does not charge a fee for online payments made through mysynchrony.com. Payments by phone may have a small fee, usually $10 to $15, but you can ask the representative before confirming.
How do I know if my payment went through?
After you submit a payment online, Synchrony shows you a confirmation number and an expected posting date. Log back into your account the next day to verify the payment appears in your transaction history. You can also call customer service to confirm.
Can I pay more than my full balance?
Yes. You can pay any amount you want, including more than your current balance. The extra amount will show as a credit on your account and will be applied to future purchases or can be refunded to you if you request it.