Pay your Lowe's credit card bill through the Lowe's website, the Lowe's mobile app, or by phone
You can make a payment to your Lowe's credit card account online through the official Lowe's website at lowes.com, using the Lowe's mobile app, or by calling the customer service number on the back of your card. The online and app methods let you pay immediately without speaking to anyone. Payments made online typically post to your account within one business day.
You will need your card number or account number and your online login credentials to pay through the website or app. If you have not set up an online account yet, you can create one at lowes.com using your email address and card information.
Key Takeaways
- Log into your Lowe's account at lowes.com or use the Lowe's mobile app to access your credit card account and make a payment.
- You can pay your full balance, a minimum payment, or any amount in between, and the payment will post within one business day.
- Set up automatic payments through your online account if you want your bill paid on the same date each month without logging in each time.
- Payments made online or through the app are free; calling customer service is also free but takes longer to process.
- If you cannot access your online account, call the number on the back of your card to make a payment by phone or reset your login.
Logging in to your Lowe's account online
Go to lowes.com and select "Sign In" in the top right corner. Enter the email address and password associated with your Lowe's account. If you do not have an account, select "Create Account" and follow the prompts to set one up using your email and card details.
Once you are logged in, look for a section labeled "Credit Card" or "My Account" and select it. You should see your current balance, due date, and recent transactions. From there, you can select the option to make a payment.
Making a payment through the Lowe's mobile app
Download the Lowe's mobile app from the Apple App Store or Google Play Store. Open the app and sign in with the same email and password you use on the website. Navigate to the credit card or account section within the app.
Select "Make a Payment" and enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount between the two. Review the payment details and confirm. The app will show you a confirmation number once the payment is submitted.
Setting up automatic payments
Automatic payments remove the need to log in and pay manually each month. In your online account, look for a section called "Autopay," "Automatic Payments," or "Recurring Payments." Select the option to set up automatic payments and choose the date each month when you want the payment to be deducted from your bank account.
You can choose to pay your full statement balance, your minimum payment, or a fixed amount each month. You can change or cancel automatic payments at any time through your online account without penalty.
Paying by phone
Call the customer service number on the back of your Lowe's credit card. A representative will ask for your account number and the amount you want to pay. They will also ask for your bank account or debit card information to process the payment. This method is free but may take longer than online payment.
Phone payments typically post within one to two business days. Keep a record of the confirmation number the representative provides.
What to do if you cannot access your online account
If you forget your password, select "Forgot Password" on the Lowe's sign-in page. You will receive an email with a link to reset it. Check your spam folder if you do not see the email within a few minutes.
If you cannot reset your password or have other account issues, call the number on the back of your card. A representative can help you regain access to your account or process a payment over the phone while you work on restoring your login.
Understanding payment timing and posting
Payments made online or through the app before 8 p.m. Eastern Time typically post to your account the next business day. Payments made after 8 p.m. or on weekends and holidays may take an additional day to post. The Lowe's website will show you an estimated posting date when you submit your payment.
Your payment due date is set by your credit card agreement and appears on your monthly statement. Paying before this date keeps your account in good standing. If you pay after the due date, you may be charged a late fee and it may affect your credit report.
Frequently Asked Questions
Can I pay my Lowe's credit card with a different payment method?
Online and app payments must come from a bank account or debit card linked to your account. You cannot pay with another credit card or with cash online. If you need to pay with a different method, call customer service.
Is there a fee to pay my Lowe's credit card online?
No. Lowe's does not charge a fee for online or app payments. Phone payments are also free. Some third-party payment services may charge a fee if you use them, but paying directly through Lowe's is always free.
How do I know if my payment went through?
You will receive a confirmation number immediately after submitting your payment online or through the app. You can also log into your account and check your recent transactions to see the payment listed. Your available credit should increase once the payment posts.
What if I pay more than I owe?
If you pay more than your current balance, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund by calling customer service.
Can I schedule a payment for a future date?
The online portal and app do not offer scheduled future payments. You can only pay immediately. If you want a payment to go out on a specific date each month, set up automatic payments instead.