What’s Lowe’s Pay?

Lowe’s Pay is a buy-now-pay-later (BNPL) option that offers customers the ability to pay over time in equal monthly installments. The program offers instant financing for online purchases to be paid by the customer in fixed installments over 3, 6, 12, 18 or 24 months. Lowe’s Pay is financed and underwritten by Synchrony Bank. Terms are dependent on credit approval and order total.

What vendor manages Lowe’s Pay?

This program is currently offered through Synchrony Pay Later (branded Lowe’s Pay on Lowes.com).

Where is Lowe’s Pay offered?

This payment option will appear on the checkout bar for all Lowes.com visitors spending between $50 and $12,000.

Are Lowe’s Pay transactions eligible for credit promotions (e.g., 5% Off Every Day discount, Special Financing, etc.)?

No. Lowe’s Pay transactions cannot receive credit promotions.

What should I do if I have questions regarding my Lowe’s Pay account or payment?

Reference your Lowe’s Pay welcome email or text for additional information.Call Lowe’s Pay at 1-844-373-4960 for any loan-specific questions.

What should I do if I receive a payment-failure notification regarding my Lowe’s Pay loan?

Call Lowe’s customer care at 1-800-44-LOWES (56937).

Where can I manage my accounts and make payments?

You can manage your account and pay your bill online at paylater.syf.com by ACH transfer and sign up for auto payment. You can also pay your bill via phone (1-844-373-4960).

How do I select Lowe’s Pay as a payment method?

On Lowes.com during checkout, if your purchase is eligible, you can select Buy Now, Pay Later With Lowe’s Pay and then apply/submit order.

Are order modifications allowed for Lowe’s Pay orders?

Yes. You can modify your order, but please note that there may be additional charges for certain changes.Only Lowe’s customer care — 1-800-44-LOWES (56937) — can update a payment type; stores don’t have the functionality.

Can Lowe’s Pay orders be returned?

Returns are made in accordance with Lowe’s return policy. Refunds are credited back to the financing institution, and then the institution handles the refund process with the customer directly.

Can Lowe’s Gift Cards or other payment types be used in conjunction with Lowe’s Pay on Lowes.com?

No, Lowe’s Pay can’t be combined with any other payment type.

Will I get a card with the loan number on it?

No, Synchrony won’t be issuing a card when a loan is opened.

Does a Lowe’s Pay loan require a credit check?

Applying for a Lowe’s Pay product for loan amounts equal to or greater than $3,000 may impact your credit score.Applying for a Lowe’s Pay product for loan amounts less than $3,000 won’t impact your credit score.

Will the annual percentage rate (APR) change on my loan?

No, the APR on a Lowe’s Pay installment loan is established in the loan agreement. The APR won’t change.

May a joint loan holder or authorized user be added to a Lowe’s Pay loan?

No, joint- and authorized-user functionalities aren’t supported. However, the loan holder may designate an authorized representative/power of attorney.

Can a military or employee discount be used with Lowe’s Pay?

Military and employee discounts are supported. Sign in to your account for the discount to be applied to the order before entering the Lowe’s Pay experience at checkout.

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Link to Lowe's Home Improvement Home Page

Find a Store Near Me

Prices, Promotions, styles, and availability may vary. Our local stores do not honor online pricing. Prices and availability of products and services are subject to change without notice. Errors will be corrected where discovered, and Lowe's reserves the right to revoke any stated offer and to correct any errors, inaccuracies or omissions including after an order has been submitted.

Lowe’s Pay | Buy Now, Pay Later

Lowe’s Pay. Powered by Synchrony Pay Later.

Buy now, pay later.

Try our flexible payment option, Lowe’s Pay.

Available on purchases starting at $50. Loan terms available for 3 to 24 months, with APRs ranging from 0% to 29.99%.*

See if you prequalify for a flexible financing solution including Lowe’s Pay with no impact to your credit bureau score.

See if You Prequalify

Lowe’s Pay Process

Use Lowe’s Pay to easily finance your purchase and pay for it in equal monthly payments.

Select the See if You Prequalify button above to prequalify for flexible financing options with no impact to your credit bureau score.

If approved for Lowe’s Pay, select HOLD MY APPROVAL FOR 7 DAYS and return to Lowes.com to build your cart.

At checkout, select Lowe’s Pay as your payment option and then select the Apply and Submit Order button.

To return to your loan details, select Check Application Status at the top of the screen, retrieve your loan, choose your terms and complete your order.

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Frequently Asked Questions

Terms & Conditions

*Subject to credit approval. Lowe’s Pay installment loans are provided by Synchrony Bank. Example: A $99 purchase would cost $33/month over 3 months at 0% APR. A $599 purchase would cost $55/month over 12 months at 14.99%. A $999 purchase would cost $98/month over 12 months at 29.99% APR. Offer available online only.